What are the suggestions for family investment and financial management

推薦連結:代用券

Family investment and financial management is mainly through the objective analysis of the family's financial situation, and combined with the current macroeconomic situation to develop a reasonable portfolio of assets and financial objectives. Family finance helps to manage their own wealth, but also can improve the happiness index of the family. Here are four suggestions for family investment and financial management.

The first point is to set financial objectives. According to the expected time, financial management objectives are divided into three aspects: short-term, medium-term and long-term. Reasonable allocation of funds and selection of appropriate investment tools can achieve different financial objectives.

Second, understand the financial situation. When choosing investment tools, you can carefully calculate your family's income and expenditure, and clearly understand your current family's financial situation, which can be used as the basis for making financial investment plans. Generally speaking, household assets include current assets (cash, current deposits, etc.), investment assets (stocks, bonds, funds, etc.) and available assets (cars, houses, etc.). Household debt includes long-term debt, such as daily bills, short-term loans, house purchase loans, car loans, etc. Liabilities are divided into assets to obtain asset liability ratio. When the household debt ratio is less than 50%, the household is unlikely to have a financial crisis. If we need to improve the family financial situation, we can adjust the non essential expenditure in the income and family expenditure by analyzing the family income and expenditure in a certain period, such as the proportion of work income and financial management income in the family income and the proportion of daily necessities expenditure.

The third point: to assess the risk tolerance, as long as the investment is accompanied by risks, we should understand the acceptable risk level and choose the appropriate investment tools. If the risk tolerance is high, consider some investment methods with high risk and high return, such as stocks; if the risk tolerance is low, consider some more conservative investment tools, such as bonds, capital preservation funds, P2P, etc.

The fourth point: choose investment tools. When making financial planning, you can make a reasonable investment period and investment tools according to the time to achieve financial goals and the expected rate of return. Otherwise, it is easy to misappropriate funds when making investment.