First, the definition of middle-class family.
In fact, there is no clear definition of middle-class families, but according to the statistics of big data and my personal point of view, middle-class families have the following characteristics; First of all, their family income level belongs to the upper-middle level in the country. According to the current income level of residents in China, the annual household income level reaches the range of 200- 1 10,000 yuan, which is above average. In addition to income, families also have certain assets. At present, most family assets in China exist in the form of real estate, so middle-class families must have a house, a family car or futures shares.
In addition, the quality of life of middle-class families is better. They are generally engaged in high-tech occupations or management positions, have received higher education, have high family quality and enjoy life. Basically, fitness and travel are essential items for families.
Second, how do middle-class families manage their finances
Generally speaking, middle-class families have relatively stable annual income, have certain anti-risk ability, and can configure some medium and high-risk wealth management products. Please refer to the following financial plan:
1, prudent financial management
Steady financial management is mainly based on bank deposits. At present, the bank's large deposit certificate is a good choice. First, its deposit interest rate is high, and the three-year interest rate has reached 4. 125%. Secondly, its liquidity has been released, which supports paying interest in advance in the form of documents. In addition to bank deposits, there are also wealth management products such as government bonds and money funds. Their risk is relatively low, and they can basically achieve the expected interest rate. This part of the funds can be invested about 40%.
2. Aggressive investment
This part of the investment has certain risks and high operability. If the family assets exceed one million yuan, you can choose to invest in trust products, and the annualized income can reach 8% to 10%. In addition, you can also invest in funds and stocks. Funds can vote for index funds, or choose current hot sectors such as consumption, medical care and new energy. If it is held for a long time, the annualized income can reach 15%. However, short-term fluctuations may lead to loss of principal, so we must pay attention to risks when investing. This part of the investment accounts for 10%-20% of the assets and can be adjusted according to its own situation.
3. Cash reservation
The remaining funds can be reserved for daily living expenses and investment funds for other projects, leaving room for the operation of funds and also playing a role in avoiding risks to a certain extent.
To sum up, middle-class families have stronger ability to resist risks. In addition to prudent financial management, they can also choose high-yield and medium-high-risk investments.