Many low-income families may have the idea that there is not much annual income, and there is not much difference between financial management and not. This idea is obviously wrong. Financial management is not necessarily for financial appreciation, but also for rational planning of family finance to avoid depreciation caused by inflation. According to different families, financial management methods are different. Then, how should unmarried families, married childless families and married low-income families with children manage their finances respectively?

In fact, family financial management is not necessarily related to the amount of money. As long as the investment concept is correct and the financial management method is proper, everyone can use investment and financial management to realize the preservation and even steady appreciation of family wealth.

Family finance one: unmarried people

At this stage, capital should be the freest. If the funds are not in a hurry, you can make an investment plan for three to five years:

Open a fund account, and make a fixed investment of 5,000 yuan per month to purchase stable family wealth management products. The expected annualized rate of return is about 8% ~10%;

Open a stock account according to your own situation, choose according to different risk preferences, and buy low-priced blue-chip stocks, brokerage sectors with substantial growth in performance, and internet finance sectors;

With the acceleration of the issuance of new shares and the progress of the registration system, the market value of shares can also be used to participate in the subscription of new shares;

Part of the balance of securities funds participates in the cash asset management plan of securities firms, such as the reverse repurchase operation of corporate bonds from RMB 65,438+0,000 in Shenzhen. Use up the funds as much as possible, focus on participation, and learn more new ways of investment and financial management. Emerging p2p financial products have an annualized rate of return of 7%~ 15%, which can be learned and understood with little investment.

Family finance 2: married without children

Both husband and wife can appropriately increase the insurance of 8000 yuan first. In addition to travel or some necessary expenses, the remaining funds can be invested and managed in the above way, and they can also boldly participate in futures, gold and silver investments.

Family Finance III: Getting married and having children

There are many things to consider at this stage. It is recommended to be conservative. After adding a small amount of insurance for each family member, if you have good investment and financial management experience before, you can increase the investment quota; If you don't have the knowledge and experience of investment and financial management, you can use three months to automatically transfer your savings or invest in fixed-income bank wealth management products and "baby" wealth management products to maintain the principal and appropriately increase the income.

In addition, families with children need to carry out educational planning, so their risk tolerance should be slightly conservative in case of emergency.

Small financial fans said that family financial management is not an easy task. For families with an annual income of less than 50 thousand yuan, they must be good at grasping opportunities, understand financial knowledge and have a sense of risk. In short, only by understanding the knowledge of financial management can we start investing in financial management, so that financial management can be successful. Nowadays, financial management can find a breakthrough from P2P financial management of microfinance, and finding a suitable safe and reliable platform is the key.