Many low-income families may have this idea. Their annual income is not much, and it does not make much difference whether they manage their finances or not. This idea is obviously wrong. Financial management is not necessarily about financial appreciation. It can also be a reasonable plan for family finances to avoid depreciation caused by inflation. Financial management methods are also different for families in different situations. So, how should unmarried families, married families without children, and low-income families who are married with children manage their finances?

In fact, family financial management is not necessarily related to the amount of money. As long as the investment concept is correct and the financial management method is appropriate, everyone can use investment and financial management to maintain the value of family wealth, or even appreciate it steadily.

Family Financial Management 1: Unmarried People

At this stage, funds should be the most free. If the funds are not used urgently, you can make a three- to five-year investment plan:

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Open a fund account and invest a fixed amount of 5,000 yuan every month to purchase stable family financial products, with an expected annualized rate of return of about 8% to 10%;

Open a stock account according to your own situation , based on different risk preferences, purchase low-priced blue-chip stocks, securities companies with substantial expected performance increases, Internet financial sectors, etc.;

As the pace of new stock issuance accelerates and the registration system progresses, you can also use the stock market value to participate Subscription of new shares;

Part of the securities fund balance participates in the cash asset management plan of the securities firm, such as the reverse repurchase operation of corporate bonds starting from 1,000 yuan in the Shenzhen Stock Exchange. Use your funds as much as possible, focus on participation, and learn more new investment and financial management methods. The emerging p2p financial products have an annualized rate of return of 7% to 15%. You can learn about them and invest in small amounts.

Family Finance 2: Married without children

Both husband and wife can first increase their insurance by an appropriate amount of 8,000 yuan. In addition to travel or some necessary expenses, the remaining funds can be invested and managed according to the above methods, and you can also boldly participate in futures, gold and silver investments.

Family finance management three: Married with children

There are more things to consider at this stage. It is recommended to be conservative and add a small amount of insurance for each family member. If before If you already have good investment and financial management experience, you can increase the amount of investment; if you have no investment and financial management knowledge and experience, you can automatically transfer your savings regularly for three months or invest in fixed-income bank financial products and "baby" financial products to keep your investment. The principal increases the income appropriately.

In addition, families with children need to plan for education, so the risk tolerance should be slightly more conservative in case of emergencies.

Little money management enthusiasts said that family financial management is not an easy task. For families with an annual income of less than 50,000 yuan, they must be good at grasping opportunities, understand financial knowledge, and have risk awareness. In short, only after you understand financial management knowledge can you start investment and financial management, so that financial management can be successful. The current financial management can find a breakthrough in P2P financial management of small amounts. Finding the right safe and reliable platform is the key.