I accidentally discovered the S&P chart of household asset allocation and shared it for everyone’s reference. The world's most recognized household asset allocation guidelines

Standard & Poor's is the world's most influential financial analysis institution headquartered in New York, USA, providing credit ratings, indices and services to global financial market participants. Preparation, investment research, risk assessment and data services. One of the three most famous indexes in the U.S. stock market, the "S&P 500 Index" was compiled by Standard & Poor's in 1957.

The company has surveyed 100,000 families around the world whose assets have grown steadily. These families all have one common characteristic, that is, family assets have been rising steadily over the past 30 years. So Standard & Poor's conducted an in-depth analysis and summary of their family financial management methods, and finally refined a treasure hunt "map" for successful financial management - the S&P Family Asset Quadrant, or S&P Asset Quadrant for short.

The money to be spent refers to daily living expenses, such as food, clothing, housing and entertainment. It is necessary to reserve 3-6 months of living expenses to be sufficient, so that even if the expenses unexpectedly increase or If income suddenly stops, it can also ensure that the normal life of the family will not be affected in the short term.

Life-saving money mainly refers to expenses for insurance protection, especially now that the incidence of cancer is gradually getting younger. Once you get a major disease, the amount of expenses is often huge, so smart families always plan ahead. , purchase sufficient critical illness insurance, accident insurance, medical insurance, and life insurance for your family in advance to avoid falling into the predicament of falling into poverty due to illness.

Money for making money refers to money used for investment, mainly for the purpose of obtaining income, and obtaining higher returns by taking risks intelligently, such as stocks, real estate, gold, futures, foreign exchange, Various forms of investment such as industry.

Capital preservation and appreciation refers to money that pursues steady appreciation. This type of funds has a clear purpose in the future and therefore cannot lose money. However, it is not needed in the short term and therefore needs to maintain and increase in value. For example, children’s education funds and pensions fall into this category. In this category, the risk tolerance of this type of funds is low, safety is the premise, and it is better to be able to moderately increase in value. It can be mainly invested in stable value-added products such as monetary funds, bonds, time deposits, and dividend insurance.

There are often around you:

Full deposit bank -- at least buy a currency fund, you can get it out in T+1 anyway, and the income is many times higher than the bank's demand deposit.

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Household real estate accounts for a large proportion, and there are also a lot of liabilities - if housing prices do not rise, it will actually be very harmful to household assets.

All the savings are used for stock trading - the risk is too high

Many families are moonlighting, have a lot of income, and spend money without restraint

Above None of them are very scientific. You can think about your own family asset allocation and your ability to resist risks.