Housewives choose financial management, how to correctly allocate family assets?

It is not just save money, buy stocks, funds, securities and other products is called financial management, financial management needs to have a relatively clear goal as a starting point, money for the focus of the birth of money, protect money for the protection of money, financial management is the management of a lifetime of wealth, the ultimate goal is to make your life better, the Bank Information Center for this issue to briefly talk about their own views:

One of the basic forms of financial management

A person or family want to manage money, the main need to be able to save money, earn a money to spend two money people all their lives are poor. Want to manage money must be reasonable disposable family income, money every month to have savings, for the average family, first of all, you have to cut off the flow from daily life, necessary expenses can not be saved, but some can be bought but not to buy the goods in the purchase of goods before they need to control their own, unless your income has reached a certain level, and the follow-up is still have the ability to earn money or ability to do so. Secondly is to generate money, when you have a certain amount of savings in hand, we must learn to generate money, generate money is not just money to invest in finance, the best way to generate money is actually well armed, improve their skills, such as learning professional knowledge, increase social experience, expanding human relations. Of course, all of these need to be invested first before there will be a return. After that, you can consider such as rational investment and finance. When people reach middle age, they need to consider health issues, to ensure that there is a good body, the old will spend less money. All of these are within the scope of financial management.

Second, the distribution of family funds

The reasonable distribution of family funds is the premise of financial management, one of the monthly salary should be set aside for emergency money, the number of this money should be half a year to a year's living expenses can be deposited in the bank call, fixed-term, or the market market fund. All of them are more secure and can cope with emergencies. Second, keep good life-saving money, the number of about three to five years of living expenses, fixed deposits, treasury bonds, commercial pension insurance, etc., only earn no loss. The third will be idle money, five to ten years do not use the money can buy stocks, funds or investment in real estate. Waiting for value-added but at the same time there is a certain risk.

Three, several common ways of investing money

The most common and the most insured way of financial management should be the bank deposits, but also the most traditional way of financial management, everyone knows. Usually for the call, fixed-term three months, half a year, one year, three years, five years, etc., the interest rate increases with the increase in the deposit period, the risk is small, of course, the return is also small. Banks usually also act as agents of some subsidiary financial products, bank financial products launched in recent years are quite popular, a small bank capital guaranteed interest-bearing financial products are less risky, the return is more than six times the demand, suitable for the elderly financial management. For young people, you can buy stocks, funds, P2P financial products and trust finance, etc., these products are more risky, but also more income.