Family financial management focuses on five major issues

Date：2019-12-28 Publisher：

When making financial planning, families need to set up good financial goals first, and then spend time and energy to sort out the financial situation, such as to see what is unreasonable in income, consumption and investment to correct as soon as possible. Generally speaking, making a good financial planning needs to be considered from three aspects: consumption, savings and investment.

Among them, saving is the first. It is suggested that every family should save part of their income as fixed deposit, and then divide part of it for investment, and the rest for consumption. From the perspective of consumption, we should try to save unnecessary costs. In addition, we should increase the investment in re education to improve our professional quality, so as to gain more powerful ability to make money.

Four money needs to be prepared in advance

In the process of investment planning, the family is actually preparing three sums of money in life. The first is education fund. According to the statistics of the Ministry of education, children's growth education fund is about 500000 yuan. At the same time, the annual growth rate of China's education expenditure is 29.7%. The second is the children's start-up money and marriage money, which is estimated conservatively to be about 500000 to 800000 yuan. The third is that each of us will ultimately save for his own pension. According to statistics, the empty account of social security pension fund account is 1.7 trillion yuan, and the average replacement rate of pension is 55%. That is to say, if your current monthly salary is about 3000 yuan, the pension is 1600 yuan per month, and there is a certain gap in the pension.

It can be seen that education fund, start-up fund, marriage fund and pension are the most important money in a person's life. We must make a reasonable and effective plan for the future, that is, according to different wealth needs in different stages of life, choose appropriate wealth tools and make reasonable arrangements in advance.

Saving income can't beat CPI

According to the survey, at present, the vast majority of citizens still prefer to save money. Although savings are characterized by short-term security and flexibility, they depreciate in the long run. In recent years, China's CPI index is on average 5%. Take the prevailing floating one-year deposit rate of 3.25% for example, the real interest rate of deposits is - 1.75%, so the purchasing power of deposits will depreciate by 1.75% every year. For example, if the principal is 100000 yuan, the annual interest is 3250000 yuan, the principal and interest income is 10325000 yuan, and the actual purchasing power is about 98000 yuan (10325-10325 * 5%).

At the same time, it is still in the channel of interest rate reduction, and the central bank still needs to reduce the deposit reserve ratio. That means keeping money in the bank could shrink further. Therefore, it is suggested that citizens should keep a positive attitude towards financial management and look for some financial products that can fight inflation. Bonds, monetary funds and insurance can be used as household asset allocation options.

In particular, dividend insurance can not only effectively resist inflation and reduce the risk of devaluation of bank deposits, but also invest in areas that ordinary investors can't get involved in, such as: bank large amount agreement deposits, national key infrastructure projects and Securities equity investment.