suggestion 1. invest in stocks or stock funds for a long time, and accumulate education funds and retirement funds.
from the historical experience and economic laws, long-term investment in stocks can share a country's economic growth, and the risk is not as great as that of short-term stock speculation. In particular, the investment in stock funds is less risky in the long run and can effectively resist the risk of inflation.
Because there are many irregularities in China's stock market, and Mr. Fang is not very proficient in stocks, it is more accidental to make profits, so it is recommended to invest mainly in stock funds. You can adopt the method of "regular quota", that is, every once in a while, invest a fixed amount in fixed funds and financial insurance, regardless of the fluctuation of market prices. When the market price rises, buy fewer units; When the market price falls, buy more units. In the long run, the cost and risk are naturally spread low, and then sold at one time when necessary, so it is also called "fool investment". This method is quite popular in the west. Now in China, not only insurance companies, but also fund companies have begun to agree with banks to automatically deduct money from customers' accounts to buy financial products. For office workers who are busy with work and family all day, it is an easy and labor-saving investment method. In addition to maintaining the necessary reserve fund, customers are advised to indirectly invest their monthly balance in the stock market in this way, and obtain long-term returns through the "snowballing" effect of compound interest.
the annual savings of Mr. Fang's family is 5, yuan. In addition to other expenses, assuming that he invests 3, yuan in the fund every month and the annual rate of return is 15%, he can accumulate more than 2 million yuan after 15 years. Coupled with the investment growth brought by the future income growth of Mr. and Mrs. Fang, the accumulated amount of funds will be more considerable.
suggestion 2. carefully select insurance products and effectively increase the protection.
both husband and wife need to buy accident insurance. According to statistics, about 1% people died of various types of accidents. Although the probability of some accidents is very small, once they happen, the losses caused by them are unbearable for any family. Although civil aviation is the safest means of transportation, several recent air crashes have proved that insurance is indispensable. This is precisely the principle of "high loss" in life insurance, that is, to insure against the kind of insurance accident that will cause huge losses once it appears, regardless of its probability. Therefore, for the sake of children, for the sake of family financial stability, both husband and wife of customers should take out accident insurance. The insurance coverage should be 6-1 times the annual household income, that is, 55,-92, yuan. In addition, although both husband and wife units have adequate medical insurance, they can also purchase subsidized medical insurance to get subsidies on a daily basis when they are out of danger, so as to improve the security effect. According to the provisions of the husband and wife units on the reimbursement of children's medical expenses, medical insurance and accident insurance can be appropriately purchased for children. Education insurance can also be chosen, but it is not necessary.
suggestion 3. your own car will be "affordable, but not affordable" in the future, so you should be careful when buying it.
China's basic national conditions with a small land and a large population make it impossible for big cities to use cars as the basic means of transportation for residents' daily travel. According to the experience of western Europe, Japan, Singapore, Hong Kong and other countries (regions), the family car will be "affordable and unaffordable" in China in the future. In addition, before the Beijing 28 Olympic Games, rail transit will develop greatly, and customers' families are located near the subway planning line, so it is faster and more affordable to take the subway as the main mode of transportation.
recommendation 4: the reserve fund can also buy government bonds.
As the family income of the customer is stable, the reserve fund is equivalent to three months' living expenses. In addition to the "combined deposit" method introduced in the last issue, because the interest rate of national debt is higher than that of savings, it is tax-free and can be realized immediately, and it can also be purchased with reserve funds. It is suggested that varieties with longer investment period can get higher interest. In addition, the deposit interest rate may fall more than it may rise. Once lowered, the price of national debt will rise.