First of all, it needs to be clear that deposits and insurance in the bank are necessary for family financial management. We can't completely say whether it is good or not, and rationally allocate assets. Eggs can't be put in the same basket. Banks have the function of saving, but they have no guarantee function. The following are suggestions for asset allocation according to different periods: single period: financial management order: first, learn to save in one period, and never spend money lavishly. Second, compulsory savings, even if you deposit it in 200 yuan every month, it will be a considerable sum of private money after five years. Third, it is necessary to buy some insurance properly. Young people are in good health, but accidents are unpredictable, so it is particularly important to buy some accident insurance. Of course, young people can also enjoy preferential rates when buying life insurance. Financial advice: 60% of the funds can be invested in high-risk and long-term income financial products such as stocks, stock funds or foreign exchange and futures, 30% can choose safer investment tools such as regular savings, bonds or bond funds, and 65,438+00% can guarantee its liquidity in the form of current savings in case of emergency. Family formation period: from marriage to the birth of children (1~5 years financial analysis: this period is the peak of family consumption. Although the economic income has increased and the life tends to be stable, the basic daily necessities of the family are still relatively simple. In order to improve the quality of life, it is often necessary to pay more for family construction, such as buying some high-end daily necessities and buying a house loan. Financial management order: 1. Reasonable consumption. Don't buy high-grade furniture or household appliances at once. Be sure to take your time and arrange the expenses for family construction reasonably according to the income level of the family. Second, buying a house, "having a house is a decent home", but buying a house should also have the concept of gradient consumption. First buy a cheap second-hand house, then improve the housing environment and buy a bigger new house if conditions permit. Third, the couple buy suitable insurance, mainly accident insurance and life insurance. Fourth, after a little accumulation, you can choose some more radical financial management tools, such as partial stock funds, stocks, etc., in order to obtain higher returns. Financial advice: at this stage, financial management should be steady and steady, and the salary of husband and wife for 4~6 months should be used as family reserve fund in the form of demand deposit. 65,438+00% of family assets are used to buy insurance, 30% are used to invest in relatively safe wealth management products, such as national debt and long-term deposits, 40% are used for the down payment of buying a house, or to prepare funds for the future purchase of self-occupied real estate, and 20% are used to invest in stocks or growth funds. Family growth period: financial analysis from birth to college graduation (about 20 years): the number of family members is no longer increasing, but the age of family members is increasing. The biggest expenses for families are medical care and children's education. In particular, having children will increase the responsibilities of both husband and wife. How to ensure the safety of family wealth and build a happy and worry-free growth environment for children is a top priority, so the insurance problem of a family of three must not be ignored. At the same time, with the enhancement of children's self-care ability, parents are full of energy, have accumulated certain work experience and investment experience, and their investment ability has been greatly enhanced. Financial order: First, children's education planning is the most important financial topic at this stage. For urban middle-income families, regular fixed funds are one of the best ways to prepare children's education funds. Second, buy the right insurance. The mainstay of the family economy must buy "three insurances"-accident insurance, life insurance and major illness insurance. They can buy children's health insurance, education insurance or dividend insurance for their children, and do more protection for the education fund. Third, after meeting the needs of children's education and family security, we can implement the asset appreciation plan, start a business or buy high-yield and high-risk wealth management products. Fourth, it is particularly important to prepare the daily family emergency fund in the family growth period, because the children's expenses are bottomless, and both parents are beginning to enter the old-age period, and there are many sudden financial needs. Financial advice: 5% of the capital is reserved for current savings as a family emergency fund, 65,438+05% is used for family insurance expenses, 40% is used for investment in real estate (investment real estate) or entrepreneurship, and 20% is used for venture capital, such as stocks, foreign exchange and futures. 20% is used for safe financial products such as bank time deposits or bonds. Family maturity: children work until retirement (about 15). Analysis of financial management: During this period, because their working ability, working experience and economic situation have reached the best state, their children have become independent, and the family burden has been gradually reduced, which is most suitable for accumulating wealth. Financial management should focus on expanding investment. However, since we have entered the second half of life, if venture capital fails, it will ruin the wealth accumulated in the first half of life. Therefore, we should not choose too many venture capital methods. In addition, a pension should be saved as a compulsory deposit, and insurance is undoubtedly one of the most suitable ways to accumulate pension. Financial management order: First, financial management needs must first consider pension. Never wait until you retire to consider how to provide for the aged. Before retiring, think more about where to go for a holiday or what hobbies to develop after retirement. Second, make an asset appreciation plan. Without the burden of raising children, we can strengthen investment arrangements, but we must adhere to the principle of "diversifying investment and reducing risks". Third, it is painstaking for parents to prepare funds for their children to start a business or get married and buy a house, so as to reduce the pressure on their children's lives. Financial advice: 40% of the funds should be invested in stocks or similar funds, 20% in insurance, with emphasis on pension, health and critical illness insurance, 20% in high-security financial products such as time deposits or bonds, 65,438+00% for the development of husband and wife's hobbies, such as flower cultivation and antique collection, and 65,438+00% for the current savings of families. Financial analysis during retirement (about 20 years or more): The main content of this period should be to spend old age safely. Investment and expenditure are usually conservative, and physical and mental health is the most important. Wealth is just a numbers game, don't pay too much attention to it. Capital preservation is more important than anything else in this period. It is best not to make new investments, especially venture capital. In addition, before the age of 65, check the life insurance you already have and make appropriate adjustments. Financial management order: If the fourth stage-family maturity has been arranged for the elderly, then there is not much trouble at this stage, and you can enjoy family happiness with your children and grandchildren or enjoy sightseeing. Financial advice: 10% of the funds are used for stocks or stock funds, 50% are invested in fixed-term savings or bonds, and 40% are current savings. For families with relatively rich assets, legal tax-saving measures can be adopted to hand over their property to the next generation.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.