How to manage small family deposits?
First, set aside daily living expenses.
A large part of income should be used for daily expenses, and food, clothing, housing and transportation are the basis of survival. Therefore, this part of the expenditure should account for 30%-35% of the annual income of the whole family. Therefore, it is suggested that you reserve 30,000-35,000 yuan in the 654.38 million deposit for daily expenses.
Second, emergency funds.
Bank savings are also important for family financial management. Any family can't live without savings, but they can't deposit all their income in the bank, because the deposit bank will depreciate for a long time, the central bank's interest rate fluctuates frequently, and the bank interest and interest tax are unstable. On the other hand, because the money in the bank will be taken out once it is needed, it is more appropriate to invest this part at 20%. Therefore, I suggest that you put 20,000 of the 65,438+10,000 deposits in the bank as emergency funds.
Third, investment and financial management.
20%-25% for investment. So you put in 20,000-25,000 of 6,543,800+10,000. This part is the pursuit of property growth. Without the extra income from investment, it is difficult for families to get rid of the pressure of life. Maybe buy some funds and bonds, or buy some stocks appropriately. If you have a strong endurance and know something about stocks, you can appropriately increase your investment in stocks.
Four. insurance
Insurance is a solid guarantee and the foundation of family financial management. All family income and expenses, even the accidents and health of family members, depend on insurance protection. However, the minimum guarantee for this part of investment is the largest, with only about 10% capital. Therefore, it is suggested that you use 1 10,000 for insurance investment.
Verb (abbreviation for verb) bank deposit
Savings are the first choice for many individuals and families to invest in small amounts of money. No matter how much money, you can deposit it in the bank, which is extremely safe and has a stable small income. However, the interest rate of this investment and financial management method is low, and the rate of return can't keep up with inflation. Therefore, I suggest you don't put all your money in the bank.
Intransitive verb bill financing
Bill financing, as its name implies, refers to the commercial banks transferring all kinds of discounted bills to trust intermediaries at an agreed interest rate, and the trust intermediaries sell them to investors after packaging and design. As low as 1 yuan investment, the investment period ranges from 20 days to 180 days. However, there are potential risks of false and delayed payment in bill financing. Although it is safe, it is better to be cautious when buying.
Seven. monetary capital
Monetary funds are mainly invested in some central bank bills, short-term government bonds, repurchase, bank deposits, etc. Also known as "quasi-savings products", it is also a relatively reliable way of small investment and financial management. The principal is relatively safe and liquid, second only to demand savings. A few hundred yuan can be invested, and it is often recommended by investment and financial experts as a reserve tool for family reserve funds. However, the income of the money fund is not high, so it is better to find the fund products of professional institutions.
Family financial management case:
Mr. Yang, 35 years old, is a "success", but he has embarked on the position of a small leader, with a monthly salary of 1.2 million; Mrs Weng is three years younger than her husband. She works as a copywriter with a monthly salary of 8000 yuan. If the year-end bonus and other bonuses are added, the annual household income is basically around 250,000.
In terms of total assets, the couple have a house, an ordinary scooter, and the stock market still has 200,000 yuan, which is a slight loss at present. In addition, there are 300,000 bank deposits for the couple as emergency funds.
From the perspective of income and total assets, family economic conditions are still good. However, in recent years, household expenditure has also been increasing.
From marriage to now, the mortgage has always existed, and the couple now need to pay back about 5,500 yuan a month. Basic living expenses and leisure and entertainment expenses are basically increasing year by year.
After understanding the situation of the couple, the financial planner said that from the perspective of family life cycle, Mr. Yang's family is currently in the growth stage. Combined with the characteristics of growing families and the actual situation of Mr. Yang's family, the financial planner gives the following suggestions:
1, make a budget.
In view of the fact that many expenses of Mr. Yang's family are increasing year by year, it is suggested that the couple make a budget for income and expenditure. Family revenue and expenditure budget includes annual revenue and expenditure budget and monthly revenue and expenditure budget.
In the process of making, the two must first understand the possible income of the family in the next month or year, and make the expenditure budget according to the principle of living within our means. This will help control the overall expenditure and accumulate wealth.
2. Reduce the amount of emergency funds.
The couple prepared 300,000 yuan as emergency funds, which is relatively large for growing families and is not conducive to the rational allocation of assets.
Generally speaking, emergency funds are 3-6 months' living expenses. In view of the fact that families spend more money, children will spend more money in the future, so they can prepare more. 10- 15000.
The rest of the money can be used to make some long-term stable investments and realize the preservation and appreciation of wealth. You can also use a small amount of money to make radical investments and strive for higher returns.
3. Preparation of education grant
Although children are younger now, it costs a lot of money to study abroad. If you don't prepare now, it will be more difficult to spend a lot of money at once in the future, which will increase the financial burden of the family.
There are many ways to prepare the education fund, which can be directly allocated to the education fund insurance or realized through the fixed investment of the fund. Among them, the fund will be fixed, and the couple can draw some money from the monthly balance, which will not increase the burden and can obtain higher income for a long time.