What kinds of financial strategies are there?

1, capital preservation financial strategy

The goal of this financial strategy is capital preservation: one is to ensure that the principal is not reduced, and the other is to manage the funds received to withstand inflationary pressures, which is more suitable for those who have a relatively low risk-tolerance ability to manage their finances, such as the super-conservative and a little conservative families mentioned above. The main financial tools are savings, treasury bonds and protection insurance. Reference financial portfolio: savings and insurance accounted for 70%, bonds accounted for 20%, and others accounted for 10%.

2. Stabilization and growth financial strategy

The goal of this financial strategy is to seek capital appreciation on the basis of stable income, which is more suitable for financial planners with a certain degree of risk-tolerance, such as the ideal type of financial planners mentioned above. The main financial tools are participating insurance, treasury bonds, funds and remittance loans. Savings and insurance account for 40%, bonds account for 20%, funds and stocks account for 20%, and other financial management accounts for 20%.

3, high-yield financial strategy

The goal of this financial strategy is to obtain a high return, and is more suitable for those with a high risk tolerance, such as the impulsive financial management mentioned above. The main financial tools are stocks, funds, investment-linked insurance, etc. If you have enough money, you can also buy a house or speculate in foreign exchange. Reference financial portfolio: savings insurance 20%, bonds and stocks account for 60%, foreign exchange, real estate, etc. account for 20%.

No matter what kind of financial portfolio, every family must have an insurance plan, only that the proportion and type of insurance in different financial portfolios are different. With the emergence of financial products, insurance has not only the function of capital preservation and safety, it also has the function of financial management, which has become an ideal financial tool for families to realize capital appreciation.

What kinds of financial strategies are there? I will say here, more about financial strategies and other related content, I will continue to update.