1, family financial configurable 10% insurance.
As the saying goes, God bless the accident, and people will be blessed one day. Insurance means taking precautions. Once "in case" happens, insurance can reduce losses. General insurance; Health insurance, accident insurance, children's education insurance, parents' pension insurance.
2.20% of bank deposits
Life is bound to have unexpected events, such as the physical condition of the elderly and children. This money exists here, not to gain income, but to meet unexpected needs in life.
3.30% of wealth management products
At present, many banks have launched wealth management products. Although the income of bank wealth management products is not high, the risk is very low, which is suitable for family wealth management. Family financial management must have a certain capital preservation investment, and can't blindly pursue high returns, because once a loss occurs, the life of a family will be affected.
4. Forty percent of high-risk and high-yield investments.
With many family members and high expenses, it is definitely impossible to get a fixed salary. Necessary expenses in life have been set aside, and some of them have been invested in capital preservation. You can consider products with higher returns such as funds and stocks.
Second, the definition of fund fixed investment:
Fixed investment is the abbreviation of fixed-term investment fund, which refers to investing a fixed amount (such as 500 yuan) in a designated open-end fund at a fixed time (such as the 8th of each month), similar to the bank's deposit and withdrawal method. People usually refer to funds mainly as securities investment funds.
The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.
From investment and financial management to Golden Axe, Golden Axe is an asset allocation service platform driven by research and technology. Committed to providing customers with one-stop family financial analysis, investment strategies, and cross-cycle, all-category and diversified fund allocation schemes based on family goals and plans. Services cover convenient product search, fund redemption, net worth inquiry, wealth bookkeeping, configuration planning, investment consulting, etc. On the mobile side, PC side and WeChat side, it will eventually help families realize wealth preservation and investment consultation.
Up to now, the number of middle-class and high-net-worth registered users on Golden Axe Platform has exceeded 800,000, and the cumulative allocation of funds such as Public Offering of Fund, Sunshine Private Equity and Private Equity has exceeded 35 billion. More than 654.38 million families have obtained professional, independent, real-time and efficient one-stop asset allocation advice and fund trading services.