First, the college age.
When we were students, we only had pocket money most of the time. In addition to daily pocket money, it is generally not easy to have extra money to invest, so the most important thing at this stage is to learn these two aspects:
1.？ Learn the basics of financial management: read more books on financial management, so that you can accumulate your first bucket of gold faster than the students in the next class after leaving society.
2.？ Learn to form the habit of saving: try not to be a moonlight family, think about whether your expenses are "necessary" or "want", and don't save if necessary; There is no need to consider the difference between having now and having in the future before spending.
Second, the new stage of society (before starting work-getting married)
Financial planning concept:
During this period, I just started working and haven't got married, so I don't have any family expenses. At this stage, I must set my goals and then start to implement them.
The goal setting can use the "amount" small goal, such as "saving 65438+ 10,000 accumulated money to buy a car and a house"; Then start to set up a fixed investment plan. At this time, it is suggested to focus on your own risk tolerance and slightly increase the proportion of equity assets. For example, equity funds are young and can withstand fluctuations, and the chances of getting higher returns from long-term fixed investment are also high.
Suggestions on the implementation of financial planning:
At this stage, when setting a small target (such as 654.38+10,000 yuan), if the assets match, stock products can be considered for investment, followed by bonds; In terms of insurance, we should start to consider serious illness, accident and medical insurance.
Recommended asset ratio:
Summary:
Start to establish your own investment planning portfolio ratio and pursue higher asset growth rate. At this stage, the premium is low, which is most suitable for building your own basic insurance protection.
Third, the stage of marriage and nesting.
Financial planning concept:
After marriage, family responsibility expenditure increases. At this time, it is necessary to arrange the family's financial income and expenditure reasonably, and plan and calculate the family's future financial expenditure, such as the baby's education expenses, the future room change expenses and so on.
Suggestions on the implementation of financial planning:
At present, the income level has generally improved, so after planning and calculating the target amount of future expenditure, we should also increase the investment amount in time to improve the target amount compliance rate.
In addition to the increase in investment, the responsibility of the family has also increased, and it is necessary to increase the amount of insurance. At this stage, it is necessary to establish the basic guarantee for everyone in the family, especially the insurance guarantee for adults in the family, so as to transfer risks and leave safety to the family.
Recommended asset ratio:
Summary:
Reasonable arrangement of expenditure, calculation of future expenditure, timely increase of financial management amount, guarantee of family risk transfer, investment style can still be slightly positive, and financial management objectives and planning schemes should be reviewed every year.
Fourth, the child leaves the nest stage.
Financial planning concept:
As children enter college, it also means that the cost of raising children by parents is slowly coming to an end. At this stage, we should focus on the financial planning of retirement and calculate the wealth goals and figures of retirement.
Suggestions on the implementation of financial planning:
At this time, after years of accumulation of family assets, the expenditure is relatively stable, and the net assets in investment are also increasing year by year. At this stage, we should pay attention to controlling investment risks. Therefore, it is necessary to appropriately reduce the proportion of venture capital, smoothly change from active investors to steady investors, and start to increase the proportion of fixed-income assets in order to accumulate long-term and stable investment income.
Recommended asset ratio:
Summary:
As children begin to enter the independent stage, parents should also start to calculate the target amount of retirement needs and implement the pension accumulation plan. At this time, it is the prime of life, and family assets are still increasing. Therefore, stable and reasonable asset appreciation is an important factor to complete the retirement plan.
The calculation of the target amount of various important expenditures and needs in the family, such as how much the education expenses will cost and how much the retirement pension will be enough, are all important values of the planning goals. Therefore, in order to calculate the demand amount more accurately, it can help you to think twice about the smart investment scenario planning. (At present, there are pension planning, marriage planning, money-making goals and small goals, and children's education planning scenarios will be launched soon. )
The above planning and configuration suggestions are for reference only. In fact, everyone and every family's wealth planning and arrangement should be customized, because everyone's life stage and family are different.