But the reality is cruel. I work every day to earn a lot of money, but the money is not enough, and my family is always in financial problems.
Why is this?
Because we didn't master the method of financial management and didn't allocate the family assets well.
Standard & Poor's, an authoritative financial analysis institution in the United States, conducted a survey on100,000 families with stable capital growth, summarized their financial management methods, and obtained the distribution map of Standard & Poor's family assets.
Generally family account is divided into four parts.
The first account is the money to be spent in 3-6 months. Our short-term needs for food, clothing, housing, utilities and other scattered money account for 65,438+00% of family account. This is an account that every family will have. This account needs to be flexible and accessible. Generally speaking, bank demand and money funds (such as Yu 'ebao ...) belong to this account.
The second account is life-saving money, which is used to deal with serious illness and accidents. This is a highly leveraged account, which is usually useless. Only when diseases and accidents happen can we pry the huge lever.
Only this account can ensure that the family cares about foreign countries, and there is no need to sell houses and cars for the time being.
At this time, life insurance, critical illness insurance and accident insurance are needed to protect family members.
The third account is the investment income account, which is the money to make money. This account creates high income for the family, and often makes money for the family through wisdom in the way that it is best at, including investing in stocks, funds, real estate, bonds and so on.
This account is also necessary for most families, because it can maximize their family's income.
At the same time, high income means high risk, and the money used in this account will definitely have little impact on the family economy. After all, the money invested in this account is very risky. If it is lost, it will not affect the normal living expenses of the family.
The money in the fourth account. In order to preserve capital and increase the value of money, it will be used as children's education fund and personal pension. Therefore, it is necessary to ensure that the principal is not lost, but also to resist the erosion of inflation, so the income does not have to be high, but it must be stable for a long time.
The most important thing about this account is to be exclusive, not to be used at will, and to have a certain amount of storage every year. This is extra capital for the people in the enterprise, which must be protected by law and cannot be used to pay off debts.
Only in this way can we guarantee our future life and children's education.
At this time, you can use dividend insurance, annuity insurance, family trust and other ways to make a good plan.
I believe many friends will say that our family doesn't have that much money to invest in financial management, and it is not the kind of family with medium assets. At this time, we should make insurance plans well.
In this way, when the risk comes, we will not raise money everywhere when we are sick, and the whole family will collapse when the head of the family loses the labor force, and we will not have more income to live a better life when we are old.
Asset planning is not absolute. For every family, there will be some differences. Just an important account. We must save it.
It's not that we don't have money, but that we don't know how to increase the value of money.
I am Jiang Ying, an insurance planner who loves health, so that you can master the methods of maintaining and increasing the value of family assets while you are healthy.