Personal household asset management and asset allocation (preparation of balance sheet) include personal household assets and personal household liabilities.

1. "Balance Sheet", I usually draw it once a year, clearly list the assets and liabilities of the family, and see what my net worth is.

1. The assets of a personal family are generally divided into the following three parts: First: Current assets: including cash, demand deposits, monetary funds, etc., financial management that can be withdrawn in the short term, money lent to others that has expired and can be recovered at any time,

In a word, it is more liquid and can be used at any time.

Second: Investment assets: including personal stocks, investment properties, time deposits, financial insurance, provident funds, etc. In a word, it is the current market value of assets used to invest and seek returns.

Third: Self-use assets: including your own house, car, valuable furniture and other physical assets. If it is an electronic product or car, pay attention to depreciation when entering it here. It cannot be entered according to the price at the time of purchase. Generally, electronic products have 4 years.

Depreciation is completed, and the car's 10-year depreciation is completed.

2. Personal household debt is generally divided into the following three parts: First: Consumption debt: It is the money borrowed for daily consumption. This part of the money is money that will never be returned by the meat bun, including credit card consumption, consumption

Loan, borrowing other people's money for consumption, etc.

Second: Investment liabilities: It is money borrowed to invest in order to increase value, including loans to buy houses, financing to buy stocks, or loans to start a business, etc.

Third: Self-use assets and liabilities: money used to buy cars, borrowed money used to buy the house you live in, etc.

After calculating the total assets and total liabilities, liabilities/assets = the asset-liability ratio of your family, so that you can use and allocate funds according to your actual situation.

2. Personal asset allocation. According to the characteristics of different asset types, we can allocate our own assets in the following proportions. Since real estate is a relatively special category of assets, and most Chinese people have a strong desire to buy real estate, the asset allocation referred to here is

Mainly talking about assets other than real estate.

First, stocks: relatively high risk volatility and high returns.

Second, funds: risks and returns are relatively balanced, and the operation is simple.

Third, national debt: Nationaldebt and Governmentloan have small risks and low returns.

Bonds issued based on national credit raise funds from the society, thus forming a creditor-debt relationship.

That is to say, the country borrows money from the people. If you buy national bonds, you are the country's creditor.

Since the country borrows money, it has extremely high credibility and is the safest investment tool.

China's treasury bonds are national treasury bonds issued by the Ministry of Finance on behalf of the central government. There are three types of treasury bonds: certificate treasury bonds, bearer (physical) treasury bonds, and book-entry treasury bonds.

For example: On June 15, 2020, the Ministry of Finance issued special anti-epidemic treasury bonds.

Treasury bonds are bearer treasury bonds, which are treasury bonds with a par value that are issued in the form of physical bonds without the name of the investor recorded on the face.

From 1981 to 1997, 21 varieties of treasury bills were issued, all of which matured in 2000.

The borrower of treasury bills is the central government, and the repayment funds come from the revenue of the central government.

Treasury bills are one of the most important credit instruments in the money markets of Western countries.

In 1877, the United Kingdom passed the Treasury Securities Act, which incorporated the issuance of treasury bills into law.

Features of treasury bills: 1. Interest rates are closely related to commercial bills, certificates of deposit, etc. Treasury bill futures can provide hedging for other certificates when their income fluctuates.

It has strong liquidity, a vast secondary market, is easy to change hands, can be cashed out at any time, and has a high reputation.

2. Treasury bills are direct debt of the government and are the lowest-risk investments.

3. Although the interest rate is lower than that of bank deposits, the interest is exempt from income tax, so you can obtain relatively high returns.

3. Gold here refers to physical gold, not gold and silver jewelry. In the foreseeable future, gold will still be the anchor of all values. Since gold has the characteristics of transcending history and transcending national boundaries, it has the function of hedging major risks.