1, * * * has decision-making and division of labor.
Decision-making and implementation are two different things, with clear boundaries. When making investment and financial decisions, both husband and wife need to participate together, and they can also discuss with their elders at home. When they are executed, they do their own work. For example, some people handle investments, bills and tax returns, and divide their work according to their interests and expertise.
2. Let the numbers speak, and don't be influenced by emotions.
When discussing financial problems, speak with numbers and don't be influenced by emotions. When the other half's consumption may interfere with your emergency reserve or retirement fund, it is necessary to discuss how to achieve the goal in this state, rather than focusing on attacking the other half's improper consumption. Family members can sit together and write down 5~ 10 wish lists respectively, and then put them together for comparison. The desire to overlap is the priority that can be put first.
3. Allow some money to be independent.
Decision-making and implementation are two different things, with clear boundaries. When making investment and financial decisions, both husband and wife need to participate together, and they can also discuss with their elders at home. When they are executed, they do their own work. For example, some people handle investments, bills and tax returns, and divide their work according to their interests and expertise.
4. Summary of regular meeting
Investment is a long-term thing. Every once in a while, the husband and wife will sit down and have a meeting to examine the current financial situation, correct the investment misunderstanding in time, and set financial goals for the next stage.
5. Shop around for deposits.
Although the benchmark interest rate of one-year deposit is lower than the CPI increase, the implementation interest rate can rise sharply compared with the benchmark interest rate. If the bank chooses properly, the deposit income can still outperform CPI. However, you can't leave all your money idle in the bank at home. It is suggested that after you have enough emergency funds (3-6 months' total household expenditure), you should invest the remaining funds appropriately. For the monthly family balance, it can be used as a pension fund and an education fund to reserve, and you can choose investment methods such as fixed investment.
6. Pay attention to bank wealth management products and Internet investment products.
Most people suggest that investors should lengthen the holding period and lock in higher returns in advance, and it is best to choose medium and long-term high-yield products as much as possible. According to the current situation, we can choose bank wealth management products, and at the same time, we can pay due attention to the net worth open products and structured investment products sold by major banks in order to obtain relatively high returns.
7. Don't put eggs in one basket.
Always remember this sentence: "treat your property as a basket of eggs and put it in different places: if you break a basket, at least you won't lose it all." Be sure to invest more idle funds in several investment products, more in the spectrum, less in the uncertain and unreliable ones, and pay attention to preventing risks.