0 1 savings, what's your purpose?
In a narrow sense, saving means saving some? Pocket money is specially used to meet the urgent needs of life. In real life, people often have a sudden demand for funds. At this time, savings will come in handy.
Therefore, from the perspective of security, profitability and liquidity, the focus of savings lies in liquidity, and it is necessary to ensure that savings funds can be used at any time. Is this savings? Core purpose? . In contrast, the profit requirement of savings can be reduced.
According to the Standard & Poor's household asset allocation chart, savings belong to? Cash assets? , is it? How much does it cost? We will set aside about 3-6 months of living expenses to cope with life? All kinds of accidents? .
Can funds be used as savings? Financial management tools? ?
With the development of the fund market, there are many derivatives and types of funds, such as money funds, bond funds, index funds, hybrid funds and equity funds.
As I said just now, the core purpose of savings is liquidity. On the premise of ensuring liquidity, pursue profitability. Then, among many fund varieties, are there any suitable products?
The answer is yes, money fund is the best choice.
Monetary funds have high security performance, and the most important thing is that they can? Just use it? Moreover, judging from the current situation, the annualized income of the money fund is higher than the demand deposit, which still has advantages.
At present, Internet financial platforms such as Alipay are very convenient to buy and sell money funds, and mobile phones can be operated directly, which is very friendly to investors.
Who should the savings fund be paid to? Equity assets? Transformation.
Is it better to save more? No, the savings are mainly used to cope with life, and there are too many left. For investors, it is a loss of income. After all, the income of money funds and demand deposits is too low.
In my opinion, in the process of investment and financial management? Asset allocation? Very important. Savings? Pool of funds? When it is full, we must find the funds? Higher returns? Financial tools.
After saving enough funds for 3-6 months, the extra funds can be used for the fixed investment of hybrid or index funds. In the long run, the fund's fixed investment income is considerable and the risk is controllable. The annualized income of 3-5 years can usually exceed 10%, which can boost the income of the overall account.
Generally speaking, starting to save is the first step in financial management. With the first bucket of talents? Have money to manage? . However, saving is not the last step. After meeting the demand for liquidity, we have to pursue the return on assets through asset allocation. After all, the big tiger of inflation is devouring our assets at any time.