The money should be divided into several parts, namely, pension, living and investment. Eggs should be put in different baskets and the risks should be shared equally, so as to ensure the safety of their property. When people reach middle age, what they pursue is to be safe, and they can't take many risks like when they were young. At this time, there are generally old people in the world and small people in the world. We don't want to make great progress in our work, but we want stability. Therefore, it is best to be stable in the management of property. The practice is as follows: First, set up an emergency fund.
Set aside a sum of money as an emergency fund, and you can buy a money fund, which is both profitable and very flexible. The amount of this money is preferably 3-6 months of living expenses. For a family, all the money can't be used for investment and financial management. The family emergency fund is very important to avoid the situation that money is needed and there is no liquidity on hand. Second, buy insurance for family members.
insurance is a good hedging tool. There is only a serious illness between the middle class and the poor. When people reach middle age, the pressure is particularly great. If they don't buy insurance, any family member will get sick, which may destroy a family. Therefore, it is very necessary to buy critical illness insurance, accident insurance and medical insurance for family members, which is equivalent to spending a little money to defend against risks in advance. Third, learn the knowledge of investment and financial management and build your own investment framework.
if you don't manage money, money will ignore you. When people reach middle age, they must have accumulated a sum of savings. At this time, the most important thing is to preserve the value of assets. It is very important to study financial management knowledge and be your own financial planner. If you have enough money, you can take out a sum of money to buy annuity insurance as a supplement to your future pension. If you can't bear the risk of investment, this choice is very good.
Therefore, when people reach middle age, they can't give up their studies. At this time, the most important thing is to learn financial management knowledge, so that Qian Shengqian can do some easy work and take care of his family. Good financial management can multiply your wealth. Accumulate wealth in middle age, and you can enjoy your old age in old age.