Hello, I'm Jia Jia. Welcome to my JJ investment and financial sharing, and learn with me: financial management skills.

The "one-fifth financial management method" is to divide family funds into five parts and make appropriate investment arrangements respectively. In this way, the family will not have a financial crisis and can get the greatest benefits.

Take a family with a deposit of 10000 yuan as an example. Divide the savings into five parts of 2000 yuan, which can be handled like this:

1- Buy government bonds with 2000 yuan.

This is an investment with a high rate of return and is very safe.

2- Buy insurance with 2000 yuan

In the past, people's insurance awareness was very weak. In fact, buying insurance is also a better investment method, and insurance money is not within the scope of interest tax collection. Especially not long ago, all life insurance companies introduced two types of insurance, adding the clause of "equity conversion", that is, once the bank interest rate rises, customers can switch among the insurance products sold by insurance companies, and get certain preferential policies such as price discount and underwriting exemption from insurance companies.

3- Buy stocks with 2000 yuan

This is one of the riskiest investments. Of course, risks and benefits coexist. As long as you choose it properly, it will bring an ideal return on investment. In addition to stocks, futures, investment bonds, etc. All fall into this category. However, participating in this kind of investment requires corresponding industry knowledge and strong risk awareness.

Deposit a time deposit of 2000 yuan.

This is an almost risk-free investment method and a guarantee for future family life.

Deposit a current deposit of 2000 yuan.

This is for emergency use. If the family is in urgent need of money for the time being, a certain amount of current savings account can solve the urgent need and is convenient to access.

The family "one-fifth" financial management method is a set of successful financial management experience that many people have tried to sum up after many years. Of course, families can use it flexibly according to different situations.