1, financial management is very popular now. Financial projects are also varied, such as stocks, securities, futures, P2P financial management, time deposits, funds, and buying houses. And the higher the return, the higher the risk.
Although there are many names for financial management, the threshold is different. Some cast hundreds of thousands, and some cast100; Some people can get benefits without financial knowledge, while others need more professional knowledge. For a well-off family, except for the expenses of the current month, the more the rest, the more it can be used for investment.
2. Current assets =3* monthly expenditure
Liquidity assets refer to cash, demand deposits and other assets that can be quickly realized and paid when in urgent need. There are two or more families, and families with children need liquid assets for emergencies. Generally speaking, families have relatively fixed expenses every month, such as transportation, catering, rent or parking fees. Liquid assets should be about 3 to 5 times the monthly expenses. The more stable the household income, the less liquid assets reserves. This is due to the unstable family income, and sometimes even no income. For example, if a family's income is unstable and there is no one for a month, then it is necessary to prepare more liquid assets, otherwise it is easy to miss the next meal, and it is very anxious to meet the urgent need for money.
3. Liabilities shall not exceed one-third of the current month's income.
Now people's acceptance of loans is generally high. In addition, there is more awareness of "spending tomorrow's money", and family debt is also common. More is mortgage and car loan. When handling bank loans, it is generally stipulated that the monthly repayment must be within one-third of the income, otherwise it will easily affect daily life.
Generally speaking, the debt ratio should not be too high. Once it is beyond the family's affordability, it will easily cause the burden of wealth, if there is an emergency, such as changing jobs and medical care.
It is worth mentioning that it is not good to have no debt at all. We should establish a sense of financial management and learn to make proper use of tomorrow's money to gain income.
4. For the family financial professionals who just entered the business, it should be noted that if they just catch up with the financial management company, they should not say anything to them, but should have their own principles and positions. If the family conditions are average, it is recommended to manage money moderately, with stable income and flexible time, and not to enter the stock market.
5, remember that high returns and high risks must be controlled within an affordable range.
6, financial management should comprehensively consider your medium and long-term living arrangements, working conditions, and reasonably consider your own affordability and expected goals, so as to live within your means and not be greedy. Never hit a swollen face and pretend to be fat.
7. Family financial management is also a kind of value preservation. Buy insurance for members as appropriate.
8. Investment and financial management is a very professional matter. Everyone needs to take time to study, and don't listen to what others say. Do not be blind.