Personal financial planning scheme
Do you know what personal financial planning scheme is like? Do you know anything about personal financial planning? The following is my personal financial planning plan for everyone. Welcome to read it.
5% of the funds are invested in Yu 'ebao+credit card
These 5% funds are mainly used as change to meet the usual living expenses. Because Yu 'ebao is embedded in Alipay, it is very convenient to use.
Moreover, the income of Yu 'ebao is higher than demand deposits and time deposits, and the interest rate of 2-3 years' treasury bonds is higher, so there is no need to deposit the change in the bank or buy treasury bonds. Putting it in Yu 'ebao is the best choice.
5% of the funds as a daily flow will seem a little tight, so you can choose to run a credit card, and you can choose to swipe your card at ordinary times. Credit cards generally have a 5-day interest-free period, which means you have earned 5 days of interest for nothing. In addition, the ant flower buds on Alipay now have similar functions to credit cards, which can provide a turnover of up to 3 days, which is equivalent to spending 3 days for nothing.
It is recommended to apply for the credit cards of Communications, China Merchants and CITIC. It is not difficult to apply, and its own quota is sufficient, and there are many points. From time to time, some discounts will be offered for everyone to win bonus hunter.
25% of the funds are invested in Internet financial management
25% is not a small proportion. It is put in Internet financial management because it is the welfare period of financial disintermediation, and all Internet giants want to get involved in the profiteering financial industry. Although the major companies are trying to get around, the financial products they make are not innovative in docking financial assets, but they are better than the low sales cost. For the initial promotion, they generally subsidize users, so as.
but with the gradual maturity of internet financial management, the income of each family is getting lower and lower. Ali's Lucky Treasure, Jingdong Finance, Suning Finance, and Baidu Finance, the income has dropped to 4%-5%, and the cost performance is not high. The first one is Storm Finance, which is cost-effective. The background is the financial platform under Storm, a listed A-share company. First of all, the security is guaranteed. Now the rate of return is 7%(5% real interest rate +2% subsidy), which is still good. Although it is still difficult to maintain 7%, it will still benefit from this welfare period.
In addition, Sina's micro-wealth income is 7.5%. Micro-wealth is Sina's own son, and the risk is not high.
The 3% real estate REITS fund
REITs is a fund that invests in real estate. The advantage is that it can also let us retail investors who don't have much money play with real estate and earn rent.
Like stocks, real estate is a very good investment product because of its huge market, rising price in a long term and stable rental return. Real estate abroad has gone through many cycles and developed for hundreds of years, becoming more and more mature and professional. Real estate retis fund has been operating very well abroad. In the long run, REITs have stable and high returns, and the correlation with other assets is not high, so it is a very good asset allocation variety.
By analyzing the income comparison in recent three years, according to the calculated dividend yield, Hang Seng Real Estate Fund's income of 36.3% beat the Hang Seng Index of 11.86%, which still has great investment potential.
At present, there are few retis funds in domestic real estate, and most of them can no longer be subscribed. Here, we recommend Penghua American Real Estate (2611). From the past performance, Penghua American Real Estate has performed well. In the future, as a big country with the best global economic recovery, the real estate in the United States is relatively stable and safe.
2% P2P
The fundamental reason for the emergence of P2P is the sudden opening of monopolized finance. However, because P2P is not regulated, the whole P2P industry is mixed. However, the benefits of P2P are enough to compensate for the risks, and the investment cost performance has been relatively high in the past few years.
At present, P2P that can be invested is mainly divided into two grades
The first grade is P2P of large groups
Such platforms mainly include lufax, Yirendai, Huijin Institute and so on. Lufax is the son of Ping An Group, Yirendai is the first P2P listed in China, and Huijin is the son of Sunshine Group. This kind of P2P platform is close to the current trust level in terms of risk, but the 12-month income is only about 7%, and the investment cost performance is not high.
The second file is P2P platforms of listed companies
These platforms mainly include Dingyoucai, Huitou Worry-Free, Tenbon Venture Capital, Yinhu.com, etc. All of them are wholly-owned companies of listed companies, and their finances are included in the statements of listed companies, so these P2P platforms are relatively conservative and standardized. The general income of such platforms is between 8% and 12%, and the investment cost performance is a higher category. It is suggested that 4% of the funds should be spread among 2-3 platforms to invest in long-term targets, and the income can reach 12%, and the risks are relatively controllable.
2% of the fund is fixed
In the long run, the fund has a high income, reaching 15%, but at the same time, the fund fluctuates greatly, which makes it difficult to operate. Most of the time, most funds do not make money or even lose money.
Harvest grew from 23 to the end of 215 with an annualized rate of return of 23.8%. It is more profitable than buying a house in Shanghai (the average annual return rate of buying a house in Shanghai is about 16.9%). But there are still 169,4 people who are losing money. As shown in the figure below.
why do most people always lose money? In fact, it is the same as the stock chasing up and down. The more the fund goes up, the more it buys. As a result, most of the funds are bought at a high level. As long as the fund falls a little, it will lose money. When the fund bought fell, many people began to scold the fund as a pit, and then most people were scared to sell it quickly. As a result, the fund may rebound soon. In this way, most people are beaten in the face. According to statistics, 96% of retail investors are losing money when they buy funds.
how? Band fixed investment can be broken!
There is a certain rule in the stock market, that is, the valuation (PE), which fluctuates between 5-2 times. Let's focus on the following and take notes:
The fluctuation range of China A-share market is about 8-2 times. Remember this value, which corresponds to about 2, to 5, points in the market.
when the PE of the stock market drops to 11 times, the investment can be increased.
when the PE of the stock market rises to more than 15 times, the investment should be reduced.
when the PE of the stock market rises to more than 2 times, don't think about it, just clear the position.
the fixed investment of the fund should be strictly implemented according to this law, and it should be no problem to invest 2% of the salary every month, and the annualized income should be 6%-15%.
I'd like to remind you that the fixed investment of the fund looks simple, but it is not. The most difficult point is to take profit at a high point.
Of course, it may be difficult for everyone to understand this. Just remember the following points:
1. When the PE of the stock market reaches 2 times, or the profit has reached 3%, resolutely stop taking profits and don't love war.
2. If the big bull market has just ended and the market is still at a relatively high point, don't invest at this time (if you don't understand it particularly, you can check my public number Zhiduoxing financial planner).
One thing to vomit here is that some so-called experts call for a fixed investment every day, and make it very simple. However, they have never made any money by making a fixed investment, and they also tell others that they will make money by making a fixed investment. It is really harmful to pull a group of novices, into the pit.
At present, ant fortune, who is recommended as "Ma Yun's Dad", is safe, stable and low in rate, and can be purchased directly from Alipay.
To sum up the above scientific investment allocation, see the following table:
Given this allocation, I have fully considered personal investment ability, risk, income, sustainability, market opportunities and other factors, and finally got the result.
Allocate the limited funds to five unrelated asset types, and each type is fully diversified, for example, the fixed investment fund is dispersed to 2-3 funds; P2p, distributed to 2-4 platforms. Even if we are unlucky, encounter a stock market crash, or encounter a p2p default, it will have little impact on the whole. The risk is relatively controllable.
according to our scientific investment allocation, the rate of return will probably stabilize at around 9.5%, so basically, the assets will double in 7.6 years, quadruple in 7.6 years, and quadruple in 7.6 years. If we persist for 3 years, how much return will we get?
Take the case of the subject as an example. Suppose the subject is stupid and his salary only increases by 8% every year.
The subject has 7, assets at present, so the investment income after 3 years is 1,8,562.69;
The monthly balance in the second year is 2, yuan, and the annual balance is 24, yuan; then the investment income after 29 years is 316,37.46 yuan;
The salary in the third year increases by 8%, and the monthly savings is 16 yuan, and the annual balance is 25,92 yuan. After 3 years, the total assets will reach 8,66,12.79,86,, and the monthly investment income will be close to 6,, far exceeding your salary. The compound interest growth is like snowballing, and the more you roll back, the more terrible it will be.
compound interest is more terrible than the atomic bomb, and this is not a boast.
of course, the above calculation is actually ideal, but the figures are really true.
Ideal because:
The first investment lasts for 3 years, which is very difficult. If nothing else, most people can't persist in fitness for 5 years.
second, most people want to make money quickly, and they want to make higher profits. As a result, most people will capsize halfway and lose the money they earned before.
The third financial product and financial market are changing. If you want to obtain stable income, you need to spend some time learning and investing constantly, and have certain ability to cope with the changes.
if you can cross the above three big pits, the 3-year income will generally be higher than 8.6 million.
most people overestimate the income in one year, but underestimate the income in 3 years.
The greater significance of insisting on investment is to realize financial freedom
Making money by money will never be out of date, and the longer time goes by, the stronger your investment ability will be, the higher and more stable your income will be, the more money will be, the bigger the snowball will be, and finally you will realize financial freedom, or at least you can enjoy life without stress.
There are many things to do in a person's life, but few are important, and investment and financial management is one of them. ;