Investment and financial management needs depend on your financial management needs, such as emergency, security, pension, buying a house, investment needs and so on. Different financial needs are suitable for different products. Before considering other financial management methods, it is recommended to reserve enough funds to support 3-6 months' expenses as an emergency reserve. Second, we must meet the needs of security and old-age care. It is suggested that social security should be considered first, and then accidents, serious illness, life insurance and pension should be considered in turn according to their own security needs. Generally speaking, the insurance coverage should be 10 times of annual income, and the proportion of premium expenditure should be 10% of annual income. The specific needs depend on your security needs. If you intend to meet the needs of the elderly by purchasing products such as funds, you can appropriately reduce the premium expenditure. Finally, after meeting the emergency reserve and security needs, the remaining funds should be invested in other aspects.
The reasonable allocation ratio of family assets can refer to the law of 432 1, that is, 40% of family income is used for housing and other investments, 30% for family living expenses, 20% for bank deposits for emergencies, and 10% for insurance. As far as your situation is concerned, since there is no pressure of housing supply, the fixed investment is for the needs of education funds and old-age care. In order to achieve these financial goals, there are not many fixed investments with monthly income below 20%. Therefore, 500 yuan, it is appropriate for you to consider a fixed monthly investment.
Long-term fixed investment, index funds and actively managed stock funds are the most suitable, and there is great hope of obtaining the average market rate of return. If you want to be more stable, you can consider allocating more hybrid funds. We can consider Harvest CSI 300, Huaan Manulife, Huaxia Bonus, Huaxia Renaissance, Bosera Theme Industry, Bosera Balanced Allocation, E Fund Value Selection, Xingye Trend, Xingye Social Responsibility, etc. , and choose 1-2 branch to invest.
The biggest advantage of fixed investment is to stabilize market fluctuation and average investment cost through long-term investment. The specific income depends on the operation of the market and the performance of the selected fund during the investment period, which is difficult to predict now. In fact, even if the investment is fixed for several decades, if the redemption time is chosen at the bottom of the big bear market, the income will be quite low or even negative. Therefore, you need to pay attention to the market in advance before the arrival of the investment period, choose a better time to redeem it, and you can also consult regularly, supplemented by increasing/decreasing the investment amount to increase the investment income and reduce the investment risk. If the abnormal situations such as redemption at the bottom of the bear market and the long-term downturn of the domestic economy are excluded, the long-term income of a partial stock fund product with above-average performance should be close to or slightly higher than the domestic economic growth, and the annual income is about 10- 15%. This range has a great influence on the market situation and the performance of the invested funds when it is redeemed, and is for reference only. However, the income of investment bond funds is relatively stable, slightly higher than that of bank deposits.
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