First, the capital preservation account: 40% of the preserved money = 40,000. You can spend 40% of 200,000 yuan (that is, 40,000 yuan) on long-term income, such as real estate, bonds, trusts, etc. These financial management risks are very low, mainly used for capital preservation and appreciation, stable income and sustainable growth.
2. Investment account: The generated money (30%) = 60,000, and 30% of 200,000 (60,000) is used for venture capital income. Investment is not equal to financial management. You can see the risks if you can see the benefits. In terms of investment, the 442 balanced asset allocation method can be adopted.
442 Safe and stable income products with balanced asset allocation method (accounting for 40% of the investment account = 60,000 *40%). This money can be invested in some low-risk products, such as demand deposits, time deposits, money funds (Yu 'ebao) and government bonds. .....
Medium-risk products (40% of the investment account = 60000 * 40%) can be invested in high-risk products, such as funds and bonds, in order to obtain higher returns. ...
High-yield and high-risk products (accounting for 20% of the investment account = 60000 * 20%) In order to obtain higher returns, we can invest in high-risk assets, such as real estate and stocks. ...
If you want to get higher returns, you must take greater risks at the same time.
Because space is limited, I won't explain. I want to know more about financial management. Welcome to pay attention to "Dabai Chatting about Financial Business" and share practical dry goods every day. )
Third, leveraged account: life-saving money (20%) = 40,000 You can take out 20% of 200,000 (that is, 40,000), which many people will ignore, but Dabai wants to say that this part of the investment is particularly important. Because buying insurance is actually buying leverage, using very little money to incite huge funds. There is a saying I like very much: "Buying insurance for yourself or your family is not for changing your life, but for not being changed by life."
Whether you buy insurance for yourself, your parents or your children, I suggest you don't buy it easily. Because 90% of the insurance is bought wrong, it is not only useless, but also wastes tens of thousands of dollars. In fact, these four kinds of insurance are really useful: critical illness insurance, millions of medical insurance, accident insurance and term life insurance.
The insurance water is deep. Know more about insurance before buying. Here I give you the following advice:
1. Adults first, then children. When buying insurance, the family should be adults first, followed by children. Furthermore, those who make the greatest contribution to the family economy, that is, the pillars, should give priority to buying insurance. Dabai has always thought that there should be no objection to this. After all, parents are the biggest "insurance" for children.
However, in the working experience of Dabai 10+, we have seen many such cases: out of love and concern for their children, parents spent 1/3 or even half of the available budget on their children, taking into account accident insurance, medical insurance, critical illness insurance and education funds. I didn't expect that I was streaking.
The disadvantages of this are:
Suppose either parent, especially the father with a large income, dies suddenly. If there are mortgages and car loans at home, not only the children's subsequent premiums may be unsustainable, but also their future life and education will be greatly affected.
However, if the child dies unfortunately, to put it cruelly, apart from emotional harm, it will basically not have an economic impact on the family.
Therefore, it is irrational to spend all your money on children.
This is why Dabai said that the insurance that adults need must be given priority. If there is a surplus, we will supplement the children's critical illness insurance and accident insurance appropriately. It is enough to buy a 20-year consumer insurance for serious illness, and accident insurance is also very cheap. I bought it for one or two hundred dollars.