No matter what your monthly income is, you must first ensure your normal living expenses. Therefore, before managing money, you must set aside enough cash as an emergency reserve. It is generally recommended that financial planners limit their monthly expenses to six months in case of emergency. Be careful, don't use this money easily unless you have to, such as unemployment and family emergencies.

Suppose you spend 3,000 yuan a month, then you should set aside 1.8 million yuan as a reserve, which can be put in a bank demand deposit or a money fund.

But at present, the bank deposit interest rate is too low, so it is suggested that wealth managers can put their money in the money fund. In addition to the fast withdrawal speed, it can be received in real time or T+ 1 day, and it can also obtain relatively high income.

The second step is to join the family security plan.

Because insurance can transfer risks and reduce the economic burden, it is essential for everyone. Once an accident happens, its role will be fully highlighted. I suggest that you configure some pure insurance products according to your personal needs, such as accident insurance, critical illness insurance, life insurance and other products. The annual premium of insurance should generally be controlled below 10% of annual income.

Speaking of which, I'm afraid many people will say? Insurance is deceptive. Something really happened, and the insurance can't be guaranteed? This is usually due to choosing the wrong product. Be sure to read the specific terms and coverage of the insurance before buying, and don't be fooled by the insurance salesman.

Suppose a 26-year-old ordinary office worker earns 5000 yuan a month and 60000 yuan a year. In this case, the annual insurance premium should be controlled below 6000 yuan. If you buy a critical illness insurance with a coverage of about 250 thousand, what is the annual premium? That's 5 125 yuan, only 427 yuan per month. Using this money to buy a guarantee for your future life belongs to a four-to-two-to-one move.

The third part is to learn to configure flexibly.

Financial products that white-collar workers can choose:

The first two steps are to plan ahead, and the rest of the money can be used for financial management, including the existing savings and the monthly balance of monthly salary.

Wealth management products are generally divided into two categories: one is floating income products, floating income, non-guaranteed; One is fixed income products, with fixed income and guaranteed capital.

Floating income private equity funds, stocks, Public Offering of Fund, gold and some net worth banks.

Fixed income trust, bank fixed income financing, national debt, P2P, etc.

Due to the high investment threshold of trusts and private equity funds, ordinary people can't vote. So generally speaking, ordinary investors' investments mainly focus on bank financing, Public Offering of Fund, stocks, P2P and gold.

(1) Understand the characteristics of these wealth management products.

Among these wealth management products, stocks are the most risky. Gold has a hedging effect, but its price fluctuates greatly due to many factors in the market. Therefore, if you have high risk resistance, both products can be configured. For white-collar workers with low risk resistance, it is not suitable.

Renren loan reminds financial managers that when allocating assets, you must determine the proportion of various financial products according to your ability to resist risks. Don't expect high-yield and risk-free things.

(2) Asset allocation scheme suitable for most white-collar workers.

Generally speaking, most white-collar workers are conservative and steady investors, and their ability to resist risks is weak. Therefore, bank financing, fixed investment fund and P2P are three suitable financial products.

Based on these three investment objectives, a financial plan suitable for most white-collar workers is constructed.

45% of the funds are invested in mixed (20%), stock (10%) and index (15%) funds, and the expected annualized income is about 0%- 17%.

25% of the capital is invested in P2P platform with strong compliance and risk control ability, and its expected annualized income is about 6%- 10%.

30% of the funds are invested in bank financing, and its expected annualized rate of return is about 3.5%-6%.

How do white-collar workers invest and manage money? Bian Xiao stops here. Bian Xiao will pay close attention to more basic knowledge, skills, precautions and news information about investment and financial management. Generally speaking, Bian Xiao reminded everyone that investment is risky and you should be cautious when entering the business.