10% cash is used for daily expenses; 20% of cash is used for insurance protection; 30% of the cash is used to buy real estate, invest in stocks, funds, etc. 40% of the cash is used for long-term planning of pension and education.
First of all, family protection is very necessary, which is ignored by many of us or our families. Although safety can't see any obvious effect at ordinary times, it can protect your life from being swallowed up by risks at critical moments. Therefore, we need to spend 20% on insurance protection, and this part is mainly invested in insurance protection products, such as accidental injury, serious illness insurance for family members and whole life insurance for family members.
After the whole family has the basic guarantee, what needs to be considered later are those parts that will be "inevitably" spent in the future, such as children's education and future pension. These "by then" all need a lot of money, and it is definitely a part that needs to be spent, so this part of the investment (generally 40% of the family's investable assets) should be relatively stable. Set a clear goal, get a stable return through long-term steady investment, and achieve the expected goal. So this part mainly invests in relatively stable products, such as bonds, trust products and some regular wealth management products. Interested friends can pay attention to such products on our Xiaoman Financial APP.
After the family has the "anti-risk" (insurance protection) ability and a clear (target) implementation plan, we can pay attention to how to maximize the return on family wealth within the risk tolerance. 30% of family assets can be used for "high return" investment, so these assets are mainly invested in some high-risk and high-return assets, such as stocks and funds, in order to obtain "excess" returns in a long period of time.
When family security, goal planning and wealth growth are all arranged accordingly, what remains to be considered is the daily living expenses. Under normal circumstances, the family's basic expenses are reserved for 3-6 months, and they are mainly invested in some products with high liquidity, such as money funds and bank deposit wealth management products, such as "Sanxiang Bank Current Account" on our Xiaoman wealth management APP, and the income of about 3.9% is withdrawn in advance, which can be accessed at any time, and interest is calculated on the same day.
In short, scientific financial management is to manage time and cash flow under acceptable risks, ensure the rational allocation of funds and adapt to the actual economic situation of the current family.
You can search for "Du Xiaoman Financial APP (formerly Baidu Finance)" or pay attention to "Du Xiaoman Technology Service Number (Du Xiaoman Financial Management)" in the application market for detailed product information. Investment is risky, and financial management needs to be cautious!