There is no standard answer to this question, because everyone's income, family situation and assets are different. Here are a few simple ways to help you simply calculate the amount of fixed investment every month.
Calculation method of fixed investment
One-third method
One third of the monthly income is used to buy funds, and the rest is used as daily expenses and reserve funds for families. This method is a very simple calculation method, which is more suitable for people with stable income or single people without too much pressure in family life. Assuming a monthly income of 3,000 yuan, it is difficult to make a fixed investment of 1 1,000 yuan.
10% and 50% methods
10% means to spend 10% of your salary on the fund every month. Although the proportion of 10% is relatively small, it is also a considerable wealth over time. And this ratio will not cause great pressure on your daily life, and it is easy to stick to it.
50% means 50% of the bonus. For example, if bonuses are paid quarterly or monthly, they can generally be invested in funds. Or after the year-end bonus is paid out, it will be divided into 12 months for fixed investment.
This method is more suitable for people who have bonuses such as year-end awards but don't have much money on hand.
Finger algorithm
The finger algorithm has a formula: 100- your age = investment ratio. For example, if you are 60 years old, you can put 40% of your spare money into the fund. This method is calculated according to age. When we were young, we should be more radical and spend more money on the fund. It's nothing. As we get older, we can't always be so aggressive, so we should reduce our investment appropriately.
How to do financial planning?
Rational planning of our assets is a lifelong task. If you choose a fixed investment as your own financial management method, you must first make a plan for your own assets. Financial planning needs to adhere to several principles.
Investing with spare money can ensure that our life can still go smoothly in the case of actively responding to all kinds of unexpected accidents. In order to achieve this goal, we must first plan our own income and classify it according to the purpose. The first part of the funds is used for daily expenses and reserve funds, which can be used at any time to ensure the liquidity of funds. The second part is the insurance funds specially used to transfer funds to resist the risks of major diseases and accidents. The third part is investment fund. This part of the funds can remain unchanged for some time to come. Do a good job in medium and long-term investment, and after determining the use of funds, you can set the investment quota according to your own investment goals. For example, if you plan to retire in 30 years, you must calculate how much money you want to save and how much you need to invest every month. Finally, don't invest all your spare money.