(1) Set your own financial goals; Check your assets.
Set your own financial goals: buying a car, buying a house, paying off debts, saving for retirement, saving for education, etc. It is necessary to define the financial target qualitatively and quantitatively from the specific time, amount and description of the target. Reviewing the assets, including stock assets and the expectation of future income, knowing how much money can be managed is the most basic premise; The audit of personal assets is mainly to conduct a comprehensive inventory of their own assets according to relevant categories. The assets mentioned here refer to financial assets and fixed assets, in which financial assets include bank deposits, bonds, traditional insurance, investment insurance or open-end funds, stocks or closed-end funds, and fixed assets include real estate and automobiles.
(2) Know which financial management stage you are in.
The life focus and attention in different financial management stages are different, and the financial management goals will be different. Life is divided into six stages: single period, family formation period, family growth period, children's college education period, family maturity period and retirement period.
Setting financial goals must meet the needs of all stages of life.
(3) Test your risk tolerance.
Risk preference is an important basis for all financial planning. Choose according to your actual situation, do eight risk tolerance test questions, and get the definition and description of your risk preference, so as to make clear what type of investor you belong to and know your risk tolerance. Don't make the assumption of risk preference without considering any objective situation. For example, many customers put all their money into the stock market without considering parents, children and family responsibilities. At this time, his risk preference deviated from the range he could bear.
Risk tolerance can be divided into: conservative, moderately conservative, moderate, moderately enterprising and enterprising.
After completing the above three steps, according to personal risk tolerance, rationally allocate your own financial products such as savings, stocks, bonds, funds, trusts, insurance, real estate, etc., to achieve maximum protection and appreciation. There are no best financial plans and financial products, only financial plans and financial products that suit you.
As the representative style of expert financial management, fund is a good investment channel, especially open-end fund. Because the scale is not fixed, investors can purchase and redeem at any time, which puts forward higher requirements for the management level of fund managers. Therefore, long-term fund investment may be the best way to maintain and increase the value of funds. According to different investment objects, investment funds can be divided into stock funds, bond funds, money market funds, futures funds, option funds, index funds and so on. Here, we need to choose the fund type according to the individual's risk tolerance and the national macro-control policy.
National debt and insurance also have certain investment value. They are characterized by relatively stable income and low risk. Needless to say, national debt. At present, insurance has also developed from the initial simple guarantee type to the current investment-linked type, dividend-sharing type and universal type. With insurance awareness, she can invest in universal insurance, which is flexible and convenient. The insurance amount is adjusted to meet the demand; Avoiding tax debts and transferring assets; Low fees and many advantages; Guaranteed annual interest rate 1.75%, with monthly interest settlement.