Woman woman recently received more than a hundred consultation, mainly read the article written by a woman: on compound interest, which talked about compound interest and time have a close relationship, the sooner the financial management the better, many people accepted this view However, the woman found that many people excited when they read the article, and then again, life returned to the original trajectory. There is a reader private letter I, let me write more articles to supervise you, the woman recalled the original intention of confusion at the time the name of the woman: confused in the trivial matter, in the event of infighting should have chivalrous time. So in the midst of busy time, or for the sake of writing some thoughts and practices on financial management, for the sake of reference for reference.
The correct way to open revenue
First of all, ask everyone, how do you take care when you receive various kinds of wage income each month? Woman surveyed a bit and found that many people are used for various expenditures, the rest took only money or savings.
In fact, the official posture should be: first turn away some of the money used for financial management or savings, and then spent on spending this year we can give it a try, many people always get paid income, on a variety of expenses, to the end of a look, There is not much left, and then comfort myself, so rich and then financial management, so it will always appear, so I have money and then financial management, so cycle again and again, time-consuming, compound interest basically and you are not big.
We look at, a lot of people have seen a picture:
Family asset allocation chart
This picture is called "Standard & Poor's" asset allocation chart, is the world's most influential credit rating agencies "Standard & Poor's" survey of the world's steady growth of 100,000 families with assets, analysis of their family financial management methods, the proposed world Recognized as the most scientific and stable asset allocation.
As we practice for a long time, we will recognize the scientific nature of this asset allocation just as it does for women. It divides household assets into four accounts in proportion and distributes them according to a certain percentage. The risk is dispersed through reasonable allocation of assets to the assets The highest level of configuration - balance. However, everyone will gradually find that the ratio may or may not change, and the proportion may vary depending on the life cycle of each person.
Different stages of different wealth management strategies
According to the traditional life cycle of people divided into: single, family and career formation, family and career growth, pre-retirement, retirement.
Most people at the beginning of their work, the hands of more cash and security assets. With the increase of working years, the first pot of gold has been accumulated, and investment assets and steady assets have begun to come into existence.Young, we hope to make money faster, so choose a radical investment approach, began to increase holdings of investment assets. When we set up a family, we need a steady value-added asset allocation to realize the two rigid needs of children's education and future retirement. Finally, when the accumulation of wealth is completed, we will consider the issue of value addition and inheritance.
Various stages of investment advice, ladies summarized as follows:
1, in the single period, just to work shortly after the income is relatively low, costly, but we do not give up, this is the initial accumulation of funds.
Financial advice: most of the monthly investment in self-value-added investment, looking for a high salary and hard work, this time should be part of the monthly balance, a small investment.
2, family and career formation phase, accompanied by the birth of their children, the economic burden gradually increased; but at the same time, work for many years, income has also increased, life began to stabilize, financial strength, though not strong but showing a growing trend .
Financial advice: The biggest expense in this phase is buying a house, matching between the first payment, monthly payment and income, and starting to prepare for their children's higher education expenses.
3, family and career growth, this time, business and family is a common stage of growth, career differentiation may occur. Spending on economic growth also increased significantly, especially spending on children in college was significantly higher.
Financial advice: This stage can increase the proportion of investment assets, investment varieties can choose high-risk high-yield varieties, net income from investment income year by year.
4. In the early retirement period, with the economic independence of the children and the maturity of the personal career, their incomes have increased at the same time, spending has been gradually reduced. However, as the cause reached its peak, the physical condition began to decline.
Financial advice: This stage is the last chance to prepare for the pension, and should be appropriate to reduce the proportion of high-risk assets in the business chain.
5, retirement period. Responsibility for family burdens began to decline at this stage, and recreation and health became the subject of life. Risk appetite decreased significantly, increasing the demand for safety.
Financial advice: to further reduce the risk of assets, the configuration should be selected business chain business with low risk varieties.
Find your own dish
We understand the proportion of asset allocation, as well as the stage, how to focus on financial management, we have to face is to find suitable investment products.
We suggest that you first understand their own investment risk preferences, test how much risk they can take, what level, with understanding and understanding, to determine what kind of investment you can buy varieties, the proportion of the allocation of funds, stocks and Other financial products. Specific questionnaires A lot of financial websites, we can do the test on their own, and finally can refer to the following table configuration.
Risk quadrant asset allocation table
Understand the types of investment products.
After completing the assessment, we have a certain understanding of our own affordability, which is basically divided into: conservative, steady, growth and positive. Next, we must understand the type of configuration related products.
Related Configuration Product Type
The above is a list of frequently-touched species, of course, there are other, the principle is to assess, and then determine the proportion of their own configuration. You small partners, financial management needs to be carried out step by step, we can according to the above steps to find the investment for their own proportion and variety, the next is the practice.
2017 Fund VS stock returns?
Many small partners put forward some doubts about the rate of return of 12% that I put forward. Many people feel that it is very hard to do so. Actually, if well configured, the benefits far exceed those. Of course, the returns must also be concerned about the risks. This is inevitable. Why do we always emphasize asset allocation, it is because we must pay attention to risk control, can not go too far.
Let's take a look at the 27-year trend of gains in the eyes of many people's evil stocks.
The Shanghai Composite Index(1990-2017): Since the stock market opened in 1990, the SSE has experienced ups and downs in the 1990s. In the financial crisis of 2008, the rate of decline was as high as 72.8%. In 2015, the violence was de-leveraged and the fuse mechanism was almost cut off. . . . Have gone through so many twists and turns, the revenue how?
Please see below:
Unexpected, right? The stock market still achieved good results with an average annual increase of 14.3%. As for the future trend of the SSE, let us wait and see.
The above is the return of the stock market, we look at the trend of funds in 2017.
According to the statistics of China Fund Daily, in 2017, the average yield of more than 2,500 funds surpassed 10%, and 90% of the funds made positive returns. Most funds yield 0 to 10%, accounting for more than 45%. The rate of return of 10% to 20% accounted for more than 20%. The funds yielding more than 20% reached 527, accounting for more than 20%.
Active partial stock fund 2017 yield distribution
Time stretched to five-year period, from 2013 to 2017 this period, a number of funds to take advantage of the momentum and achieved relatively good long-term performance, see Figure:
Active equity fund five-year performance of the top 50
Here, the lady said the next view, we can obviously find that after 2015, the structure of the participants in the A-share market has undergone important changes, the trend of retail institutionalization more and more obvious, the degree of differentiation of stocks is getting higher and higher. Since 2017, the PE funds have outperformed the investors in their own equity investment from the perspective of risk and profitability. To buy a fund to make money than to buy money to make money easily, in fact, professional people to do professional things to reduce the allocation of individuals to increase the allocation of funds will be the trend.
We read the above data, but also think 12% of the proceeds a year, hard? The above is from a single variety of statistics, personal investment, then from a sound and configuration point of view, we do a comprehensive asset allocation, balance the benefits and risks, so that investment can go a long way.
In fact, asset allocation is like football coach coaching formations the same. In the goalkeeper and defensive line, to configure a number of monetary funds, deposits, bond funds, bank financial products, etc., constitute a reliable defense of the backbone of family assets. In the midfield, it is necessary to consider the attack and defense, both offensive and defensive investment varieties, such as hybrid funds, trusts and so on. Striker line, you can buy some stocks with higher risk and higher return on equity funds, although the risk is relatively large, but it may give you higher returns.
Many readers ask, where do we invest? In fact, are now online account, the process is particularly simple to buy stocks, funds, money management can go to securities companies, fund companies can also direct sales of funds, banks and other channels can be, etc. Next time for her to explain the differences between the various channels .
Speaking so much, I hope everyone in 2018 really move together to learn financial investment, read a book Buffett in a paragraph, Amazon founder BE Buffet asked Buffett, your investment theory no one plagiarism it? Buffett said: No one is willing to become rich slowly.
In the financial industry for many years, the woman is very agree with this sentence, indeed, such as Buffett and other outstanding investors have investment philosophy are anti-humanity, that overcome the quick success of human nature, and slowly wait.
But many of us are often overwhelmed by their quick success and are often easily deceived. May we sink our hearts, select the right direction, learn well, entertain, time will give you the answer.
Author: confused Woman Kenshin Source: Jane books
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