Our life has gone through many stages, and each stage has different tasks and goals, and our ability to grasp wealth is also different. Planning early can control your life better.
Today, Cai Xiaomei (WeChat official account ID: Cai MQP) talks about how to manage money at different stages of life.
1
Entering the workplace-22-25 years old
For young people who are new to the workplace, it is very important to control their income and expenditure and not be a moonlight family.
At this age, there are not many stock assets, so in the initial stage of capital accumulation, making money hard is king. But while making money at work, don't forget to manage money, because managing money is not just as simple as buying wealth management products.
At this stage, it is necessary to develop the good habit of careful calculation and bookkeeping, not to spend money indiscriminately, to understand the most basic financial knowledge, to cultivate money awareness, and to integrate financial thinking into your life, such as reading an article on dry goods financial management published by Caimei Qianpu every day, or to cultivate financial thinking from scratch.
Two suggestions:
Live within your means. In order to master the financial situation, the "moonlight clan" must first establish financial management files and analyze the expenses, which are essential and which are dispensable.
Compulsory savings. After getting the salary, save 20% of the monthly salary, put it into the money fund or P2P platform, and deposit a sum of money every month by 12 deposit certificate method.
2
Advanced stage of the workplace-25-30 years old
25-30 years old is the peak of our career development. Over the age of 25, many people's monthly salary begins to exceed 10 thousand, and the amount of cards will continue to rise. Let's just say that the lovely little sister Cai is at this stage.
After working for many years, I will save some savings more or less. If you are 25 years old and have no savings, it's time for you to reflect. If you are 30 years old and your savings have not reached 65,438+million, you should reconsider.
Saving money is king at this stage, and our desire is increasing, so we should prepare for the next stage of life. Want to know what is the financial goal at this stage, buy a car? Or buy a house? Or save money to buy milk powder?
The most important thing is to quantify the goal, how much will it cost and how long will it take to achieve it?
For example, Cai Xiaomei's next life goal is to buy a house. At present, the down payment needs 6,543,800 yuan. If it takes five years to realize it, how much money do you need to save every year? Achieving the goal is a long process and cannot be achieved overnight. Please start now and start with short-term goals. Financial management is to use money to achieve goals.
Two suggestions:
Set financial goals. Whether to buy a house or a car, or how much savings to accumulate, and when to do it.
Diversification of financial management. Clear up your income and expenditure, set up your three accounts, reserve three months' living expenses in the change account, and 50% of the remaining funds will be invested in P2P products and long-term fixed investment index combinations, and 50% of the funds can be invested in high-risk financial products such as funds, stocks and gold.
three
Family stage-30-55 years old
Although a bunch of friends around the super invincible Cai Xiaomei are married, in fact, many people are married around the age of 30. After marriage, it can be said that financial management has changed from an individual to a family.
At this stage, the importance of reasonable family planning far exceeds the pursuit of income. It is not enough just to set goals. You also need to know your family's financial situation first, and understand the outflow and inflow of funds in daily life.
Once a family is established, we must consider a series of long-term goals such as car, house, insurance, children's education, old-age care and parental support.
What needs to be considered at this stage is how to arrange family assets reasonably, divide them into several important accounts, how much they match each other, and which suitable financial management tools to choose.
Stability is the best policy at the stage of marriage.
Two suggestions:
Diversified investment. Divide your monthly income into three parts according to your own situation. If conditions permit, it is suggested that 30% be used for repayment, 30% for financial investment and 40% for expenditure. In the financial investment part, 10% of the total income can be invested in high-yield and high-risk varieties, such as stocks, and the remaining 20% can be invested in stable varieties, such as P2P. The target final comprehensive annualized income 10% is a reasonable level.
Resist risks. We should focus on long-term value-added, guarantee and improve the future living standard, so as to achieve long-term financial management goals such as providing for the aged and educating children after many years.
four
Retirement stage-after 55 years old
Although retirement is delayed, half a century has passed, people's energy and physical condition are gradually worse than before, and children have generally graduated from college. You don't need to invest in children anymore.
After retirement, most of the income will come from retirement wages and financial income. From the perspective of expenditure, there are not many places to spend money except for the necessary living and entertainment expenses.
When you are old, you need a stable and peaceful living environment, and so does financial management. At this time, you should focus on low-risk defensive investments such as national debt and fixed-income P2P, and don't worry about medium and high-risk investments.
At this time, investment should take into account high returns and avoid high-risk investment. In addition to daily expenses and pension expenses, you may also face large expenditures in diseases and other aspects.
Two suggestions:
Be selfish. The biggest problem of "quasi-retirees" is that they are too generous in dressing, going to school and buying a house for their children. "Quasi-retirees" should be "selfish" now, arrange their own pensions first, and then help their children solve their difficulties.
Safety comes first. In this period, family financial management should aim at safety, and it is suggested that more than 80% of wealth should be invested in money funds or low-risk P2P platforms.
Cai Xiaomei (WeChat official account ID: Cai MQP) has been talking for so long that everyone can make their own financial planning according to their own life stage.
-End-
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