● Family Life Fund. 40% of the fixed income is used as a family life fund, which is mainly used for daily basic living expenses such as food, clothing, housing and transportation, and a small account book is set up for details. This fund is indispensable, and its proportion and quality should be fully guaranteed.
● Family Construction Fund. Take 20% of the family's fixed income as the family construction fund, which is mainly used to buy some durable consumer goods (so-called big items) to make economic preparations for future house purchase and decoration.
● Family Culture Fund. Take 10% of the family's fixed income as the family cultural fund, which is mainly used for sports, entertainment and cultural consumption of family members. If personal income increases, it is better to expand to 15%.
● Family investment fund. It is more scientific to use 30% of family fixed income as an investment fund. You can save money, or you can buy bonds, funds, stocks, postal cards, and works of art.
Tips:
Some investors are too obsessed with petty profits and lose some good opportunities. When necessary. Investors should learn to give up what they love, such as giving up some short-term opportunities to get long-term benefits.