How to allocate your assets so that your money will not depreciate because of inflation?

Under normal circumstances, after graduating from college at the age of 2 1-22, you should start studying financial insurance planning/cash assets/fixed income assets/equity assets. By the age of 30, you should have accumulated 10 years of financial experience.

However, from a lifetime perspective, it is never too late to start financial management.

With a visible heart, write about my understanding of the motivation and long-term planning behind financial management.

First of all, it is recommended to clarify your financial needs first. For example, your purpose is:

* Respond to inflation and avoid asset losses.

* Get higher income than bank deposits.

* Rapid asset growth, earning excess returns.

So, how much risk can you take? What is your expected rate of return?

Generally speaking,

Cash assets, such as cash, bank deposits, money market funds, and reverse repurchase of bonds within 7 days, have an average income of 3%-4%, with low returns and small fluctuations. There is almost no loss.

Fixed income assets, such as treasury bonds, financial bonds, corporate bonds, convertible bonds, short-term financing bills, central bank bills, bond funds, etc., have an average income of 5%-7%, with low returns and small fluctuations. The probability of loss is low, and it is not completely without loss.

Equity assets (P2P, equity and hybrid funds, warrants, etc.). ) There is an average income of 10%-20%, which is high, but it fluctuates greatly, and the loss is also around 10%-20%. When encountering extremely bad market conditions, it is possible to lose more than 50%.

The required financial products with a yield of 10% are not without, but the risks and benefits are in direct proportion;

Generally speaking, risk-free income = annual rate of return below 4%;

If you are not satisfied with this, how much risk are you willing to take for a high rate of return?

The following is the normal relationship between yield and loss in the market:

* No loss of principal, with a maximum income of 4%.

* Thanks for 5% of the principal, with the highest income 10%.

* The principal is due 10%, and the highest income is 25%.

* 20% of the principal and 40% of the highest income.

Then you might say, I don't know what kind of rate of return I want,

This is normal, because people have a lot of needs,

Some needs correspond to long-term, low-volatility, low-yield financial management methods, such as pension;

Some needs correspond to short-term, high-volatility and high-yield financial management methods, such as enjoying life (vacation, luxury travel);

Some needs are in the middle, such as getting married (whether it is a luxury five-star hotel or a country), buying a house and a car (whether it is to buy a large apartment in the city center or a first-class developer in the new district, buy a Toyota Accord or a BMW 5 series), and having children (whether to go to the Hurd Experimental School or a general public school in the United Family);

Then you will get different answers. In the case of lz, I suggest:

1. Marriage demand = short-term, low-volatility, low-yield financial management methods, such as cash, bank deposits, money market funds, reverse repurchase of bonds within 7 days, etc., with an average income of 3%-4%;

2. Demand for buying a house and a car = long-term, medium fluctuation and medium yield, such as government bonds, financial bonds, corporate bonds, convertible bonds, short-term financing bills, central bank bills and bond funds, with an average yield of 5%-7%;

3. The demand for having children and raising children = long-term, medium fluctuation and medium yield, such as government bonds, financial bonds, corporate bonds, convertible bonds, short-term financing bills, central bank bills and bond funds, with an average yield of 5%-7%;

4. Pension demand = long-term, medium fluctuation and medium income, such as government bonds, financial bonds, corporate bonds, convertible bonds, short-term financing bills, central bank bills and bond funds, with an average income of 5%-7%;

5. The need to enjoy life (vacation, luxury travel) = short-term, high volatility, high income, such as P2P, stock and hybrid funds, warrants, etc. If you are bold, you can also buy digital currency, or the kind of PE that you can get in at 654.38+ 10,000 yuan.

Generally speaking, different psychological accounts should be established for financial management, and it is strongly recommended that special funds be used for special purposes.

Let's call it a day. Continue to share next time. If you like me, just pay attention to me.