The healthiest family asset allocation model, establishing four accounts:
The first account is the daily expense account, that is, the money to be spent, or emergency funds, daily life, clothes, beauty, travel, etc. All expenses should be paid from this account, which generally accounts for 65,438+00% of family assets and is the family's living expenses for 3-6 months. Usually put it in the bank card of current savings. This account guarantees the short-term expenses of the family (such as food, clothing, housing and transportation).
Key points: short-term consumption, living expenses for 3-6 months. Generally, it is placed in bank demand deposits or some internet financial platforms with high flexibility and low risk level, such as various "baby" products and money market funds.
The second account is a security account, that is, life-saving money, which generally accounts for 20% of family assets. Specialized in solving sudden large expenditures. Prepare for the uncertainty of the future. This account guarantees sudden large expenditures and must be earmarked to ensure that family members have enough money to bear in case of accidents or major diseases. What is more important is to ensure that the quality of life of the whole family will not be affected by this sudden large expenditure. This account is mainly for accidental injury and serious illness insurance, because only insurance can make a big bet. 200 yuan exchanges 6,543,800 yuan, which usually does not take up too much money, but takes up a lot of money. This account usually doesn't have any effect, but at the critical moment, only it can guarantee that you won't sell your car or house, cash in stocks at a low price and borrow money everywhere for urgent money. Without this account, family assets are at risk at any time, so it is called capital preservation. And this is exactly what many families ignore!
Focus: accident, medical care and serious illness protection, earmarking, and solving sudden family expenses.
The third account is the investment income account, which is the money to make money. Generally, it accounts for 30% of family assets and generates income for families. I believe that everyone must feel how infinite the price increase is! Moreover, even if the RMB appreciates, it will depreciate internally, so blindly saving money will only make money less and less valuable, and the quality of life in the future will not be maintained. Therefore, it is essential to use reasonable investment tools to increase the value of family assets! The investments mentioned here include stocks, funds, real estate, enterprises and so on.
But it should be noted that I believe you must have this account, but the key to this account lies in a reasonable proportion, that is, finding a suitable balance between income and risk.
The fourth account is a long-term income account, that is, the capital preservation and value-added money. Generally accounting for 40% of family assets, in order to protect the pension of family members, children's education funds, money left for children, etc. Be sure to use it. You need to prepare the money in advance. For example, for us ordinary people, if our children live up to expectations and say "Dad/Mom, I want to study in XX country" when they grow up, parents definitely want to support their children, but this is also realistic. How many families can clap their chests and say that they don't need to make any reserves in advance. When their children grow up, they can easily take out hundreds of thousands or even millions to let their children study abroad!
This account is capital preservation and value-added money, so the income is not necessarily high, but it is stable for a long time.
Key points: 1) Put a fixed sum of money into this account every year or every month, so that every little makes a mickle, otherwise it will be spent casually.
2) It is protected by law, isolated from the assets of the enterprise and not used to repay debts.
3) Common methods: global fund fixed investment, savings dividend insurance, family trust, etc.
These four accounts are like four legs of a table. Without any one, you are in danger of falling down at any time, so you must prepare in time. Which account are you missing, or which account do you want to prepare quickly? The focus of this quadrant diagram of family assets is balance. When we find that we have no money to prepare for living security or providing for the elderly, it shows that the allocation of our family assets is unbalanced and unscientific. At this time, you should think about it: is it too much money, and the speed of spending money is faster than the speed of making money? Or have you invested too much assets in the stock market and real estate? At the same time, because each family has different cash flow, different living habits, or different price levels in different regions, there are many investment and financial management options in the market, but they are also mixed. You can consult a professional financial planner for details.