How Do Women Of All Ages Manage Finances Well?

　　 Three no white-collar workers How to do a good job in financial planning? Experts say that Ronaldinho can earn 20% of its wages per month, making the fund's fixed investment, forcing itself to save and gaining additional benefits. If the monthly investment is set at 700 yuan, the annual revenue will be 5% conservative budget. After 2 years, there will be a small accumulation of about 20 thousand yuan, which can reduce the current panic mentality. If this happens, we will find that we have accumulated a considerable income.

　　 Middle class expectant mother

Ms. Qi, 30, is a civil servant. Her husband manages sales management in a IT enterprise. The monthly household income is stable at around 20 thousand yuan. There is a one bedroom house, no mortgage, a 120 thousand yuan car, and 100 thousand yuan deposit. The baby of two is about to be born. The husband is usually busy, and the financial affairs are all handed over to Ms. Qi, but she does not know how to choose the endless stream of financial products.

Experts suggest that Ms Qi set aside 20 thousand yuan ~3 for the existing 100 thousand yuan deposit as an essential expense for the baby, and the rest of the deposit will be purchased in Annex 5.5%~7% financial products. In the allocation of household assets, it is recommended to choose the ratio of "4: 3: 2: 1", that is, 40% for family and children's life consumption expenditure; 30% for fund allocation, and the other for index funds and stock debt balance funds, so as to prepare for future children's education funds; 20% to deposit in banks to prepare for needs from time to time; 10% to invest in shares And purchase insurance.

　　 High-end conservative housewives

Wei, who is 45, has a very rich family life. Her husband has an engineering company. Her son is studying in the United States. His family's annual income is about 1 million yuan, but he bought a foreign bank financial product some time ago. After that, he lost nearly 30%. At the same time, Wei Wei always felt that his investment direction was rather chaotic, and he did not know how to allocate the assets more appropriately.

It is suggested that Ms. Wei can choose a professional financial planner to make detailed assets allocation. Financial management plan 。 If Ms. Wei's family is more conservative in risk preference, she can choose a fixed income trust product with a threshold of more than 1 million yuan; if MS Wei's family prefers risk and higher income investment mode, it can choose private equity products.