1. It is suggested to choose financial products with different risks according to their ability to resist risks. 2. With a suitable financial portfolio, investors can choose bank savings+insurance+other financial products for financial management. 3. Invest with the remaining money to generate the best financial return, that is, the level of Qian Shengqian.

1, financial management strategy of capital preservation

The goal of this financial management strategy is to protect the capital: first, to ensure that the principal will not decrease; Second, the funds obtained from financial management can resist the pressure of inflation, which is more suitable for financial managers with low risk tolerance, such as the super conservative and somewhat conservative families mentioned above. The main financial management tools are savings, national debt and guarantee insurance. Reference portfolio: savings and insurance account for 70%, bonds account for 20% and others account for 10%.

2. Financial management strategy of steady growth

The goal of this financial management strategy is to seek capital appreciation on the basis of stable income, which is more suitable for financial managers with certain risk tolerance, such as the ideal financial manager mentioned above. The main financial instruments are dividend insurance, national debt, funds and foreign exchange loans. Savings and insurance account for 40%, bonds account for 20%, funds and stocks account for 20%, and other financial management accounts for 20%.

3. High-yield financial management strategy

The goal of this financial management strategy is to obtain high returns, which is more suitable for financial managers with high risk tolerance, such as the impulsive financial managers mentioned above. The main financial management tools are stocks, funds and investment-linked insurance. If you have enough money, you can also buy a house and speculate in foreign exchange. Reference portfolio: savings insurance 20%, bonds and stocks 60%, foreign exchange and real estate 20%.

No matter what kind of financial portfolio, every family must have an insurance plan, but the proportion and category of insurance in different financial portfolios are different. With the emergence of wealth management products, insurance not only has the functions of capital preservation and protection, but also has the function of wealth management, and has become an ideal financial management tool for families to realize capital appreciation.