It is very important to do a good job in asset allocation in family financial management. Asset allocation generally refers to the process of rational allocation of assets in a planned way to maintain the stability of family finance in the face of sudden risks. So what percentage of family assets is better to buy funds for financial management? How much does the fund account for family assets? I have prepared relevant contents for your reference.

Generally speaking, there are many aspects to be considered in family financial management, which cannot be put in one basket, and the risk opportunities are too concentrated. Therefore, we will explain the more reasonable proportion of expenditure in percentage form. Details are as follows:

Generally speaking, 40% of household assets income can be used to invest in fund management. When investing in a fund, you can choose the fund type according to your family's risk tolerance. If you don't want to take great risks, give priority to money funds and pure debt funds.

Because the money fund invests in the money market and the pure debt fund 100% invests in bonds, the risk of not investing in the stock market is relatively small, the income is relatively stable, and the possibility of making money is relatively high.

If you can bear certain risks, you can consider investing in high-risk fund varieties, such as stock funds, index funds, hybrid funds, QDII funds and so on. These funds have relatively high risks and high returns.

You can also use a combination of fund management, such as: 20% low-risk fund management +20% high-risk fund management, which can combine risks and benefits and can be matched according to the actual situation of the family.