Part I: Capital preservation funds
In the 432 1 rule, the largest proportion of household funds is the capital preservation currency, accounting for about 40%. Its main function is to save some fixed funds, obtain stable income from long-term investment, and realize the preservation and appreciation of capital.
This part of the money is mainly used for family pension and children's education. Fixed-income products that can be used for investment mainly include bank wealth management and P2P platform wealth management products. Although the income is relatively low, it has high security and can play the role of capital preservation.
Part II: Being able to make money in Qian Shengqian.
The proportion of money generated accounts for about 30% of the family allocation funds. The so-called money generation is used to invest in products with higher returns and increase family income. The profit and loss of this share will not cause a fatal blow to the family. Without pressure, I believe I can manage my assets more calmly. However, when choosing high-risk and high-yield wealth management products, we should invest carefully and pay more attention to relevant financial knowledge and news.
Part III: Life-saving money
Life-saving money is mainly used for family security expenditure to deal with emergencies. When some emergencies happen, this money can help you cope better, such as buying medical insurance. You're afraid of 10 thousand just in case. Don't wait until you really need it to realize the importance of this part of the money. It is suggested that the investment proportion of this part of the money should be around 20%.
The fourth part: the money to be spent
The money to be spent is very small in the 432 1 rule, which is about 10%, mainly used for daily household expenses and short-term consumption. This part of the money can be invested in wealth management products such as Yu 'ebao, which can not only get some income, but also be used flexibly. With the popularity of mobile payment, this financial management method is very suitable for the storage of daily expenses.
If you don't know how to configure family financial management, you can go to Golden Axe for free consultation. Professional financial planner 1 explains it for you. Golden Axe is committed to providing customers with one-stop family financial analysis, investment strategies, and cross-cycle, all-category and diversified fund allocation schemes based on family goals and plans. Services cover convenient product search, fund redemption, net worth inquiry, wealth accounting, etc. on the mobile terminal, PC terminal and WeChat terminal.
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