The three-three principle 1/3 is used for consumption 1/3 is used for savings 1/3 is used for investment funds or stock market financing, that is, for property management (including tangible property and intangible property = intellectual property). Mostly used for personal management of personal property or family property. It refers to the plan, scheme or scheme that an individual or institution sets the desired economic goal according to the current actual economic situation of the individual or institution, adopts one or more types of financial investment tools within a limited period of time, and realizes its economic goal through one or more channels. In the process of implementing the plan, it is also called financial management. Financial management method: the first step is to review your assets. Including stock assets and expectations of future earnings, knowing how much money can be managed is the most basic prerequisite. The second step is to set financial goals. It is necessary to define the financial target qualitatively and quantitatively from the specific time, amount and description of the target. The third step is to find out what kind of risk preference. Don't make the assumption of risk preference without considering any objective situation. For example, many customers put all their money into the stock market without considering parents, children and family responsibilities. At this time, his risk preference deviated from the range he could bear. The fourth step is to allocate assets strategically. Do asset allocation in all assets, and then choose investment varieties and investment opportunities. Financial management is similar to room layout: the less space we have per capita, the more rooms need to be arranged and arranged, otherwise it will be chaotic; Similarly, we can also apply this concept to the personal microeconomic level. The less money we have at our disposal, the more we need to make good use of our limited money And this method of managing money with money is a reasonable way to manage money! Not because you have money, even if you have more money, you don't need to manage money. Just as money is limited, you need to manage money more. Comfortable living environment usually needs solid foundation and wall structure to ensure safety, soft and hard decoration to provide enjoyment and leisure, and mature property management to constitute daily maintenance. The three existing financial management methods also have their own characteristics: insurance can ensure safety, securities companies can get considerable income from investment, and savings provide convenience for currency circulation. Of course, these three different financial institutions can meet three levels of financial needs respectively. The specific proportion between them is closely related to personality, age, education, work experience, marital status, family status and income and expenditure, especially financial planning. What is the difference between the financial management of newcomers in society? Newcomers in society should be treated differently from white-collar workers who have worked for several years and have little savings because of their own characteristics. First, the biggest difference between input and output: From an economic point of view, for newcomers, after the previous 16 years of study, the accumulated corresponding education cost and living cost have reached the maximum, while the educational return is still zero, which is the period with the biggest difference between input and output. Second, there is no ability to cope completely independently: although the economic income is gradually increasing, it is still low on the whole, and it is difficult to overcome some major economic shocks independently. Although I am independent for the time being, I still need to rely on my parents more or less financially. Third, instability: the first time you enter the workplace and meet the requirements and challenges of society for the first time, it is inevitable that some workplaces will not adapt. The increasing job-hopping rate of social newcomers also reflects that their working environment and economic income are not very stable. Combined with the above characteristics, more insurance, more savings, less investment in securities, investment, insurance and savings should have different proportions in the financial planning of new people in society to ensure maximum income. First of all, when it comes to securities investment, although there is room for imagination for high profits in investment behavior, high profits are bound to be high risks. Because the economic income in this period is very tight, it is not suitable to take too high risks in the case of stability, so it is suggested that the investment part should not be considered for the time being, except in some cases. Next, when we look at insurance, we need to consider it from two aspects: on the one hand, once a serious accident occurs, so that we lose our ability to work or even our lives for a long time or permanently, the blow to parents and families is very heavy. It is recommended to buy higher life insurance to ensure that no matter what happens, we can repay our parents for their parenting; The corresponding coverage is 300,000 ~ 400,000. On the other hand, the probability of temporarily losing health and working ability is greater. At this time, we should not only transfer the risk of high medical expenses, but also consider making up for the income loss caused by "temporary unemployment" to the greatest extent; This part of the insurance amount generally needs 65,438+00 ~ 200,000, and the specific amount needs to be communicated with the financial advisor according to the physical health and the degree of work danger. The input of these two parts should be 10% to15% of salary income; The first lesson for newcomers to learn how to manage money is that the future is full of money and roads. First of all, financial management must start as soon as possible. Many people find it difficult to save money and manage their finances because they have just entered the society and have many places to use money. It is better to wait until the work is more stable in the future. In fact, this idea is biased. Early financial management benefits early, and one year earlier now may be worth the next few years. For example, Party A and Party B deposit 1500 yuan every month, but Party A does it one year earlier than Party B. After 20 years, if the return on investment is 5%, Party A can get about 6 16550 yuan, while Party B can only get 569020 yuan because it does it one year later. What's the difference in their returns? 47,530 yuan! This is much higher than the investment 18000 yuan, a difference of one year. Why? This is the magic of compound interest. The income from each investment can be used as the principal of the next investment. If the years are longer and the yield is higher, the effect of compound interest will be more obvious, and the difference between them will be greater. Procrastination is the biggest obstacle to accumulating wealth. Therefore, it is best to act early. Besides, young people's saving ability will not be lower than that of the elderly. After all, there is not much burden, mainly depending on how you plan. Second, try to save. Nowadays, many young people spend money like water, have no plans at all, and do whatever they want, becoming a "moonlight family". You know, financial management means that people sacrifice the happiness of spending money now to plan their future finances in order to make their future life better. Each of us has many beautiful wishes, but it depends entirely on the reality of many individuals to see the realization of our wishes. Every goal has its priorities, some are dispensable and some are essential, depending on how you choose among them. From this perspective, financial management will definitely face trade-offs. If you really don't know how to choose, make a detailed record every day. After a few months, you will find out which expenses are necessary and which can be given up temporarily. As we all know, in the case of the same return on investment, the more investment, the greater the income. The benefits of saving more money are self-evident. Young people will have many places to spend money in the future. If they plan ahead, they won't be short of money. Arrange security. Finally, do a good job in security. In the minds of many people, especially young people, they think that insurance is far away from them and has not attracted attention. When it comes to insurance, they feel useless. From the perspective of financial management, although insurance will not produce a high return on investment, it can provide necessary and necessary protection and give people a sense of psychological security. It can make people not suffer great changes when many unexpected situations happen, and it will not have much impact on life. In order to nip in the bud, young people must do a good job of protection, for example, buying medical insurance, accident insurance and so on. Advance in special circumstances will affect their financial planning. Financial planning without insurance is not perfect. Financial management runs through everyone's life. The ability to make money is different, and the ability to manage money is higher. I hope that every young person can do his own financial planning and achieve a double harvest in his future career and financial management. .