Keeping wealth is more important than winning wealth. In many of the previous pictures, Miss Sister focused on the fund, including the fund's fixed investment is also a strong recommendation for financial white, but recently fans told me that the fund was badly injured.
I decided to invest in seven or eight months, not only did not earn, but also lost. I am also myself, but I have always stressed that fixed investment is something that must be adhered to. It guarantees that some funds in my account are stable. This stability is above and below the "value line."
It’s coming to the Spring Festival, and the A-shares collapsed. Many people can’t live a good year. But for most of our financial management, the current focus should not be on the stock market crash, but on the financial plan for the coming year.
So how do you make a reasonable financial plan? 2018, how to beat the marathon of investment and financial management? Today, Miss Sister and everyone discuss this issue.
01 "Combating household assets and liabilities and cash flow in the past year"
The New Year is a new starting point, but this starting point is based on previous financials. The financial situation of the previous year is the basis and reference for the new year's financial plan. Only by summing up the financial situation of the previous year and understanding its financial problems and the advantages that can be maintained will it be more conducive to the New Year financial planning.
Therefore, we must analyze the finances to find out how many "resources" we can use in 2018.
“Resources” are generally divided into two categories: assets and income, which are the two financial forms that need to be used in accounting – balance sheet and cash flow statement.
The first category: the money that has been earned, the current assets. The assets mentioned here are to be deducted from liabilities, that is, the final net assets.
The second category: the money that can be earned in the future, that is, the income of the family/individual. For more accurate statistics, it is recommended to reduce monthly or additional expenses, ie the final figure is the actual annual surplus.
The final two sets of figures – net assets and annual surplus – are the “resources” that we can use in 2018.
02 “Reassessing your risk tolerance based on financial situation”
In fact, there are three types of risk tolerance: conservative, balanced and radical. But judging what type of person/family is, you can't just look at one factor, and it doesn't happen once and for all.
To put it simply, to assess risk tolerance, we must consider many aspects from the perspectives of age, amount of funds, investment objectives, subjective risk preferences and liquidity.
Generally speaking, the older the age, the lower the risk tolerance.
Investors in youth (generally defined as 20-30 years old) have just stepped into work, buying houses, supporting the elderly and educating their children are not so fast, and usually have the ability to bear higher investment risks;
In the prime of life (30-50 years old), investors are relatively stable and have accumulated a certain amount of wealth, but economic pressure is also increasing, such as the pressure to buy a house, raise children, support the elderly, raise a car, etc., so the risk tolerance is Gradually falling;
Older investors (after the age of 50), most of whom are about to retire and have retired, spending tend to stabilize, but the amount of money spent on medical care will increase, plus the biggest source of income without work, risk tolerance. It is the lowest.
[amount of funds]
Investors with strong assets, even if their investment fails, the money they lose will not have a great impact on him, so the risk tolerance is relatively high; and investors with weak asset strength may constitute a loss to their lives once they lose money. Burden, so the ability to withstand risks is relatively low.
If the goal is long-term and just needed, for example, for the child's future education expenses, family medical expenses, and buying a house, then the investment should be based on low- and medium-risk investments; if it is simply for the long-term appreciation of assets, then investment The allocation of some risk assets can be appropriately increased.
[Subjective risk preference]
Some investors may not consider their own financial situation when investing, and choose a high-yielding product, so subjectively, such people are risk-oriented investors; and some people even have a lot of spare cash. Also, insist on depositing banks, and at the same time buy some bonds or bank wealth management. This is a typical risk-averse investor.
This requires investors to have a rough estimate of future spending, such as how long it will take to spend a future. If there is not much money about future expenditures, the investment must maintain a high liquidity. It is not recommended to purchase products with long-term closure periods; if the future expenditures are stable, then the funds will be optimally allocated.
03 "Set a financial goal, or continue to complete the existing goal."
If we have achieved a certain goal in the past year, then at the beginning of the new year, we need to re-establish a reasonable and feasible goal based on our actual financial situation.
Keep in mind that this goal must be a goal that is consistent with your financial situation and quantifiable. It can't be the goal of a "monthly salary of 3,000, 500,000 in two years." It can be "a monthly salary of 8,000 yuan, enough for 50,000 yuan this year" or "15 years later, to give the children enough to spend 1 million yuan to study abroad."
04 "Reserving funds for personal/family security in advance"
The configuration of insurance should make money ahead of investment.
This point is also emphasized by Miss Sister. First, insurance uses a small amount of funds to eliminate the risk of a big incident. Second, insurance awareness is actually an advanced financial investment. This must be counted.
Accidents, illnesses and medical treatments, various risks threaten life, and also bring economic burden to families.
Therefore, we must adopt a method to deal with personal risks and minimize the economic burden. Before investing in the plan, first make an insurance plan, buy the right person and buy insurance.
Regarding buying insurance, there are still a few small suggestions:
First, give priority to buying insurance for the economic pillar of the family;
Second, buy the adult first, then buy it for the child;
Third, the insurance of pure security class takes precedence over the insurance of investment and wealth management;
Fourth, behind the mortgage, it is recommended to purchase regular life insurance to prevent personal risks during the repayment period.
05 "Optimizing or re-engineering the portfolio"
I believe that the vast majority of investors belong to the aforementioned balanced investors, that is, they do not like high risks, but they are not willing to risk-free low-yield investments. Therefore, the recommended investment portfolio before this is based on long-term steady investment with both offensive and defensive.
For example, among the large categories of assets, we mainly focus on monetary funds, insurance and overseas funds.
The fund's fixed investment can solve the following three problems:
First, the investment period is long enough to fully dilute costs and increase profits;
Second, don't spend more energy on timing;
Third, enforce monthly savings.
It is not difficult for us to find that every rich man has its own unique way of managing money. Getting rich is not accidental in most cases.
Buffett once attributed his riches to the power of habit.
Without good investment habits, all wealth will leave us.
With good investment and financial management habits, you can get the preservation and appreciation of wealth, and habits directly affect people's life.
The most comprehensive strategy to raise the amount of the loan to 50,000, pay attention to: the financial notes, reply to the "borrowing" to obtain.
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