"How should middle-class families manage finances?" Now more and more people are aware of the importance of financial management, and managing finances as a family is the choice of more and more people. There are different financial management options based on different family situations. So, what is the best way for middle-class families to manage their finances?

1. Definition of middle-class family

In fact, there is no clear definition of middle-class family. However, according to big data statistics and my personal point of view, middle-class families have the following Several characteristics; first of all, their family income level is at the upper-middle level nationwide. According to the current income level of residents in my country, if the annual family income reaches the range of 200,000-1 million yuan, it is at the upper-middle level. . In addition to income, families also have certain assets. Currently, most household assets in our country exist in the form of real estate. Therefore, middle-class families must have a set of real estate, a family car, or futures equity, etc. .

In addition, the quality of life of middle-class families is better. They are generally engaged in high-tech occupations or management positions, have received higher education, and have higher family quality. In addition, they enjoy life. Basically, fitness and travel are the most important things for families. essential items.

2. How do middle-class families manage their finances

Generally speaking, middle-class families have relatively stable annual income, so they have a certain ability to resist risks and can configure some medium- and high-risk financial products. , you can refer to the following financial management plans:

1. Stable financial management

Stable financial management is mainly based on bank deposits. Currently, bank certificates of deposit are a good choice. First of all, its deposit interest rate is relatively high, with the three-year interest rate reaching 4.125%. Secondly, its liquidity has been released, supporting advance advances with interest-based payment. In addition to bank deposits, there are also financial products such as treasury bonds and monetary funds. Their risks are relatively low and they can basically achieve the expected interest rates. This part of the funds can be invested around 40%.

2. Aggressive investment

This part of the investment has certain risks and is relatively high in operability. If your family assets exceed one million yuan, you can choose to invest in trust products, with annual returns of 8% to 10%. In addition, you can also invest in funds and stocks. The fund can make fixed investments in index funds, or choose current popular sectors such as consumption, medical care, and new energy. If held for a long time, the annualized return can reach 15%. However, short-term fluctuations may cause a loss of principal, so be sure to pay attention to risks when investing. The investment proportion of this part is between 10% and 20% of the assets, which can be adjusted according to your own situation.

3. Cash reservation

The remaining funds can be reserved for daily living expenses and investment funds for other projects, leaving room for funds to operate, and also to a certain extent. To the risk aversion effect.

In summary, middle-class families have relatively strong risk resistance and can choose medium-to-high-risk investments with high returns in addition to prudent financial management.