After the accumulation of wealth at the age of 20-30, we have extra funds at our disposal. At the age of 40, in order to make our family have a better life, to resist inflation and to keep our wealth from shrinking, we began to pay attention to the investment field consciously.
So, how to take care of our family assets and preserve and increase wealth? I have to say several financial management theories here.
First, don't put your eggs in the same basket. That is to say, don't invest all your money in one field or one institution, even if there is a high return on investment. There will be no pie in the sky, and even if there is, there will be a hole in the ground. High return means high risk. For prudent investors, diversification is the wisest choice.
Second, the financial pyramid. This concept of financial management tells us that financial management should first plan a stable base and then gradually increase high-yield financial management. The broader and more stable bottom layer is the cornerstone of establishing financial planning, including financial products with less risk (savings, insurance, national debt, etc.). ), while the middle layer is real estate and funds with moderate risks and returns, and the top layer is in a narrow sense, which is an enterprising investment product with high risks and relatively high returns, such as stocks, futures and foreign exchange. How high the pyramid is, how wide the base should be. This is really stable. About 40 years old, it is suggested to adopt the 532 investment model, that is, 50% of assets are invested in fixed-income products with capital preservation, 30% in various funds and bonds, and 20% in the stock market. Of course, you can also make some adjustments according to your risk tolerance and love for high returns.
Third, the asset quadrant of Standard & Poor's. I investigated 654.38+10,000 families with stable growth in assets around the world, analyzed and summarized their family financial management methods, and thus summarized the quadrant diagram of family assets of Standard & Poor's. This kind of map is recognized as the most reasonable and stable way to allocate family assets.
Standard & Poor's quadrant chart of family assets divides family assets into four accounts, which have different functions, so the investment channels of funds are also different. Only by reasonably distributing assets to four accounts can we ensure the long-term, sustained and stable growth of family assets.
Finally, I want to say that when we have some spare money in our account, we must not forget to protect our family. This is the tower base in the financial pyramid and the safe account in Standard & Poor's. The probability of a person suffering from major diseases in his life is 72%, and the high incidence of serious diseases is after 40 years old. This is a cruel reality. When serious illness and accidental casualties come, if there is no insurance as the basis, our wealth will be greatly reduced or even exhausted.