Financial planners suggest that in the context of the current stock market volatility, 20-30% of family assets should be allocated to invest in the stock market, and blue-chip stocks and resource stocks should be purchased as medium-and long-term investments; In the face of the deep adjustment of the real estate market, we need to wait and see for 3-6 months and wait for the opportunity; The fixed investment of the fund belongs to winning steady income with small investment, which can be used as a medium and long-term investment method; At the same time, investors should re-examine whether family medical care and old-age security are adequate and whether there is a fixed savings plan to protect family life. After all, insurance is the "goalkeeper" of family financial management, and safety and security are the biggest needs in everyone's life.
The main purpose of buying insurance products should be to obtain protection, and the maximization of investment income should not be the main factor to consider. Therefore, according to the family situation, we should first consider the health protection and accident protection of family members to ensure that the mortgage, normal living expenses and the cost of raising children in the future will not be affected by some accidents.
Specifically, the first thing to consider is accident, life insurance, health protection, especially major diseases and other security products. In addition to the existing social security, it is suggested that family "pillar" members buy sufficient supplementary commercial insurance (including accident and medical insurance); Children's insurance depends on the situation, but parents should be given priority in the premium expenditure of family planning, and some education insurance can be purchased for children. However, due to the low rate of return, it can be temporarily ignored in the case of strong appreciation of household assets; Because parents are old, it is difficult to insure other insurance except accident insurance or the cost is too high. It is suggested that a small part of family balance funds should be set aside regularly and a medical reserve fund for the elderly should be established.
It is worth mentioning that illness is a black hole in family finance, which is enough to make the money saved for many years disappear in an instant. Critical illness medical insurance is a way to transfer risks and obtain protection, and it is also one of the best choices for financial management. If you put some money into serious illness medical treatment, you can get compensation if you are out of danger, and you can recover a lot of interest if you are not out of danger.
On this basis, we can also consider buying some dividend-paying insurance products as stable financial management products, which can not only ensure the safety of the principal, but also realize rapid return, and at the same time, save some money for the future and realize easy financial management without affecting the current quality of life. Endowment insurance (dividend type) is the best-selling insurance company in Hong Zhong in recent years, and it is the representative of this kind of products. This dividend-paying endowment assurance has the following characteristics: quick return, annual dividend, flexible use of cash, and regular withdrawal as a supplement to cash flow according to the contract; You can also keep the company's compound interest, and then flexibly collect it in one lump sum or in batches when necessary. It is a good choice for people who prefer long-term stable financial management, and effectively provides solutions for wealth accumulation, value preservation and appreciation, and wealth inheritance.
Adjust the investment rhythm in time.
In addition, it can not be ignored that every family should prepare enough reserve funds to meet the cash demand brought about by emergencies and other emergencies. And reserving too much cash and other funds with too high liquidity will lead to the reduction of investment income to a certain extent. Therefore, financial planners suggest that it is necessary for families to keep a certain amount of demand deposits (the specific amount depends on the income and expenditure of families) to meet their daily living expenses, but it only needs to be kept for 3-6 months.
After perfecting the basic guarantee system of family overall risk, what needs to be considered in the future is how to arrange the pace of investment, adjust and maintain better asset allocation and investment portfolio in time, so as to maintain a more efficient state of asset appreciation. The selection and conversion of investment products is the key to maintain a good average return on assets.
Financial planners say that there are many factors that affect the proportion of family investment. Treat each family differently, mainly considering the overall level of family assets, the soundness of family security system, short-term and long-term financial management goals, psychological tolerance to risks, and understanding of investment products.
It's still an old saying, "If you don't manage your money, money will ignore you". When some investment products are facing a callback, it is urgent to readjust the family financial management structure.