The research shows that the contribution rate of asset allocation to investment income exceeds 90%, which is far greater than the timing and the choice of specific products (excluding lottery investment and other factors).
For different investors, asset allocation should also vary from person to person.
According to the family's financial situation and financial management objectives, determine the reasonable asset allocation ratio, and then choose the appropriate financial management products. Every family's situation is different, and their risk tolerance is different (you can know your risk tolerance by replying to the word "test"), which leads to different levels of financial needs, so each family's asset allocation plan is different.
Therefore, in the process of choosing wealth management products, we must first judge our risk tolerance and see what type of investors we belong to. Then according to the actual situation of the family, determine the corresponding asset allocation scheme.
Let's analyze it with a real case of a family.
Mr. Li, 34, is a professional manager. Mrs. Li, 29, is a professional accountant. Daughter, 2 years old. At present, both Mr. Li and Mrs. Li deposit the balance of their monthly income in time deposits. Apart from basic protection, the couple did not buy any commercial insurance. Prepare a loan to buy a commercial house in the near future. In terms of risk preference, both are stable investors.
Oriental Wall financial planners believe that the biggest problem in Mr. Li's family asset allocation is that the proportion of financial investment is too low and the liquidity of assets is poor. The family also lacks adequate protection, which brings great risks to the "two-pillar" family.
The following configuration is recommended.
First of all, families have enough liquidity to meet short-term capital needs.
Mr. Li Can allocated 30% of his family assets to deposits, money funds and short-term wealth management products, so as to obtain higher income as far as possible on the basis of ensuring the liquidity of funds.
Second, invest 15% of the family's investable assets in commercial insurance to make up for the family's risk gap.
The types of insurance can be considered as critical illness insurance and endowment assurance.
Three: in terms of housing loans.
Living within our means, the annual repayment amount should not exceed 30% of the family's investable assets to avoid excessive pressure.
Four: Prepare for your child's future education expenses in advance.
20% of family investable assets can be allocated with relatively stable bank wealth management products or bond funds.
Fifth, we can consider investing in securities with higher risks.
But the amount shall not exceed 5% of the family's investable assets.
How is the allocation of family assets in each stage carried out?
Young white-collar workers are newly married and have a new family.
Young white-collar newlyweds and newborn families should adhere to the balance of limited assets and make long-term investments. Fixed investment of funds is the simplest and most effective investment method, with higher income than savings and lower market risk than securities.
People to middle-aged families
Most middle-aged families have accumulated some assets, so they should diversify their investments and diversify their investment risks. At this time, you can try bank wealth management products, online loans, and investment methods such as gold and collection.
Individual entrepreneur family
Investment in industry is the highest rate of return among all investment and financial management channels, but it is also the most risky means of making money. At the same time, medical security, pension and other issues are often the most sensitive issues for such families. Therefore, it is necessary to choose appropriate commercial insurance to protect yourself and your career.
High-income families
High-income families should not only save money, but also try some high-yield wealth management products such as bank wealth management products, money funds and stock investment.
Retired elderly families
The biggest financial pressure for retired families may still come from medical expenses. From the perspective of rational allocation of family property, it is a good way to revitalize the old real estate that is already valuable.