How painful it is to have such a good wife! 1, saving money: it takes two lives to earn one. Many people say it is impossible to withdraw 10% of the money from the bank in a month. So if your company is not doing well, the boss will cut back on expenses and give you two choices. The first is to fire you and compensate you for two months' salary. Second, reduce your salary from 1000 yuan to 900 yuan. Which plan can you accept? 99% people can accept the second plan. Then you make a compulsory deposit for yourself, and directly deposit 10% of the money in the bank after the payment. If you don't take this step, you will never have money to spend.

2. Make money: funds, stocks, bonds and real estate.

3, capital preservation: there are unexpected events in the sky, no one knows what will happen, so buy yourself an insurance, insurance is an important means of financial management, but not all. Making money is like drilling a well to inject a steady stream of water into your reservoir, but drilling a well is not enough. It is necessary to build a dam for the reservoir-accident, hospitalization, serious illness. Because of the example of driving into people's ruin. Example of flying: I sometimes need to fly ten times a month. Every time the plane takes off and lands, I put my hands together. I don't believe in anything I just feel my life is in my own hands again, because I don't know what will happen in the sky. So every time I fly, I buy 500,000 accident insurance from 88 yuan, which is my love and responsibility for my family. This 500 thousand is enough for my wife and children to live for two years, and she can remarry in two years.

* One center, three basic points: focusing on financial management, starting from saving money, focusing on generating money, and guaranteeing capital preservation.

Third, how much can you start to manage?

I don't care how much I save 100 yuan a month to buy a fund. From the age of 20 to 60, it is 637,800 yuan; 30 to 60 years old, it is 220,000; Since the age of 40, 70,000; 50 years old, 20 thousand. Qian Shengqian is the champion of long-distance running, so financial management must start at an early age. The essence of money: you don't love me, I don't love you.

Girls, you must run on your own feet and rely on everyone.

Fourth, how to allocate assets: a single reservoir should be divided into three parts.

The first type: emergency money, living expenses for half a year to one year. Depository banks, current, fixed-term or money market funds.

The second part: life-saving money, living expenses for three to five years, time deposits, national debt, and commercial endowment insurance. It should be a balance of payments, only a lot more.

The third part: spare money, money that will not be used for five to ten years. Only this kind of money can buy stocks, funds, real estate, or start a business with friends to make such investments, so it must be spare money.

For wage earners, there are two main sources of income-work income and wealth management income. Once you have the capital for financial management, you can't just rely on work income. You should gradually increase the proportion of wealth management income in total income. Start financial management as soon as possible, and you will have the opportunity to retire early and enjoy life. The following "financial equation" can give you some inspiration: financial equation =50% steady defense +25% steady attack +25% storm. ?

50% stable?

First, put half of your savings in bank deposits or national debt. The function of this money is not to increase income, but to protect capital and avoid uncontrollable risks to wealth. ?

In addition to deposits and national debt, we can also pay attention to other low-risk wealth management products, such as RMB wealth management products and money market funds. The principal of investing in these wealth management products is relatively safe. Although the yields given are all expected returns, there is no absolute guarantee, but in fact the fluctuation range of the yields is not large. ?

25% steady attack?

For the steady attack part, people who have a certain concept of investment and financial management can choose some financial products with small fluctuations and stable returns, such as hybrid funds and large blue chips, and pursue an annual income of 5%- 10%. However, before investing, you still have to do some homework and choose good stocks and funds. At the same time, the concept of portfolio is needed to reduce risks by diversifying investment. ?

25% storm?

As for the storm part, it is the most exciting part of investment and financial management, such as growth stocks, stock funds, futures and so on. This will not only make people earn 10% a month, but also lose 10% a month. Investing in these high-risk and high-yield wealth management products must have a fairly high threshold of knowledge and experience. For wage earners who are not good at investing, it is best to start slowly and steadily. After gaining some investment experience and advanced skills, they will join the storm clan to pursue higher returns? Rate. ?

It should be pointed out that the offensive and defensive ratio of the "financial equation" can be flexibly adjusted, which mainly depends on the individual's risk tolerance and financial objectives. If you can take certain risks and have no big capital expenditure plan in the short term, you can increase the proportion of the storm, but it is recommended that this part should not exceed 50%. For conservative investors, we can increase the proportion of sound defense and reduce the proportion of storm.

Are you satisfied with the above answers? ?