Life survey shows that more than 60% women hold the economic power at home. This shows that with the development of society, women are playing an increasingly important role in family financial decision-making. So what kind of wealth management products are suitable for women?
1, stock financing. In essence, stock is a kind of investment method with the most significant income. However, the unpredictability of the stock market also indicates its high risk. Investing in stocks requires extremely high logical thinking ability and systematic analysis of various factors. In addition, the current policy has a great influence on the China stock market.
2. Insurance financing. As an extremely effective way of protection, insurance can be said to be the stabilizer of economic life, and it is in an indispensable position in life. When young women buy insurance, they need to abide by an important principle, that is, the gradual cycle.
3. Monetary Fund. Women's wealth management products can also choose money funds. Because the IMF invests in bank certificates of deposit, commercial paper and other aspects, the investment risk is also small and the investment threshold is low. It can invest 1000 yuan or even several hundred yuan, with strong liquidity and annualized rate of return of about 3%.
Second, the method of family financial management after marriage
1, real-time control of household funds input and output.
Financial management requires a clear breakdown of household expenditure and income. Only by figuring this out can you know whether you want to control output or increase income. Generally speaking, expenditure is determined according to family income. Therefore, it is desirable to establish income and expenditure files, which will include family income sources, necessary expenditures and unnecessary expenditures. This also makes it easier to understand the flow of family funds, so as to better adjust family consumption behavior.
2.* * * Share the daily expenses.
Many quarrels and disputes between young couples after marriage are mostly due to some daily expenses, such as who pays more and who pays less. This will not only fail to maintain the normal expenses of family life, but also affect the feelings between husband and wife. It is better to open an open and transparent account directly and negotiate a proportion to pay the daily expenses according to your own capital income. Two people transfer the necessary expenses from the salary account at the beginning or end of the month.
3. These funds are independent.
Second, although it is said that * * * will share the daily expenses, it is better to keep independent funds for wages beyond expenses. In this way, you can still buy the clothes you want at will, and he can also invite friends to have a good meal and a good drink at will. However, your husband is your close lover after all, so to tell him the truth about your consumption, it is best to keep an open and honest attitude with each other. After all, trust between husband and wife is still very important.
4. learn to save.
Of course, when you have your own independent fund, don't spend it casually. Still have to learn to save and accumulate bit by bit. In disguise, this is also a way out for yourself. This is a cruel topic, but every woman needs to face it squarely. After all, marriage, no one can guarantee that you and he will always walk together, which is a guarantee for yourself and a source of security in marriage. Even if the marriage comes to an end in the future, when you have your own savings, everything will not seem so difficult.
Step 5 invest reasonably
Investment, yes, when the savings reach a certain amount, you might as well learn some basic financial management knowledge and make some reasonable investments. Investment can make your wealth increase continuously, and it will also make you learn a lot in the process of investment. To invest, we must choose the safest investment method according to our actual situation.
6. Learn to master a set of basic financial management knowledge.
You can see this experience, which shows that you have a heart for managing money. But in fact, my experience can only give you some suggestions on how to learn to manage money, and it can't make you learn to manage money after reading this experience. Really learning to manage money is not only the practice in the future, but also the mastery of financial management knowledge now. For example, you can't directly deposit all your salary in the bank, which is a bit wasteful and you can't directly spend it all. Then when it's really urgent, I can only be dumbfounded. If you really want to learn financial management, try to learn some basic financial management knowledge and how to invest. It takes a while to learn, but what you gain is the ability of half a life.