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In Her Time, Money Saving Is The Starting Point For Saving Money.

2014/5/31 23:01:00 20

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 whenever festivals come, promotional activities such as discounts, special offers and coupons around women's themes are coming. Unconsciously, the "age of her" centered on the consumption of women has quietly arrived. Women's consumption is often characterized by blindness and impulsiveness. Before taking advantage of a favorable offer, you may want to examine whether the financial situation of your family and family is beautiful. 
 case one young, "three no personnel" facing the future confusion, /p >
Xiaomi, a 26 year old worker, works in a small Japanese enterprise in Beijing. Her monthly income is around 3500 yuan. She rented a house, commutes to work, and graduated from University for nearly 3 years. The deposit in the bank has never exceeded 3000 yuan. It is a typical "no three person without room, no car, no fixed boyfriend". In the face of the future, P can not help but feel confused. 
 financial management division: saving money is the starting point of financial management 
If P wants to save money, it is necessary to develop the habit of living within the means. Apart from the consumption of living expenses such as rents, meals, spanportation and so on, we should minimize unnecessary, especially impulsive spending, and try not to use credit cards. 
 the monthly salary of 20% can be fixed as "a href=" //m.pmae.cn/news/index_c.asp "> fund < /a > fixed investment, forcing oneself to save, and can get extra income. If you set a monthly investment of 700 yuan, with an annual revenue of 5%, a conservative budget, 2 years later, there will be about 20 thousand yuan to save, which can reduce the current panic mentality. If this happens, we will find that we have accumulated a considerable income. 
 case two do not know how to invest in middle-class family money deposit bank 
"P > 30 years old Qi Qi is a civil servant, husband in a IT enterprise sales management, family monthly income stabilized at about 20 thousand yuan, there is a one bedroom house, no mortgage, a 120 thousand yuan car, deposit 100 thousand yuan. The baby of two is about to be born. Husband usually work more busy, financial matters will be handed over to all Qi Qi, but Qi Qi on the endless stream of financial products do not know how to choose, and finally only put money in the bank. 
 financial management division: you do not manage money, money ignore you 
 Qi Qi's family material condition is superior. In the face of the coming baby, Qi Qi's life has two main goals: first, to run good families; two, to make good money, and to do well in the reserves of children's education funds. It is suggested that Qi Qi set aside the existing 100 thousand yuan deposit for 20 thousand to 30 thousand yuan as the necessary fee for giving birth to the baby, and the rest of the bank will purchase the bank financial products with an annualized income of 5.5% to 7%. 
 in the allocation of family assets, it is recommended to choose the proportion of "4:3:2:1", that is, 40% for family and children's life consumption expenditure; 30%, to make the fund's fixed investment, to choose the index type and stock debt balance fund, to prepare for the Education Fund for future children; 20% to deposit in the bank to prepare for the rainy day; 10% to invest in stocks and purchase insurance. 
 case three buying financial products and losing high-end households are afraid of "well string" 
Ms. P, who is 45 years old, has a very rich family life. Her husband has an engineering company and her son studies in the US. 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. 
 financial management division: listen to the opinions of professional financial planners 
The middle and high end family like Ms. Wei, like Ms. Wei, is the main object of the private wealth center of the bank and the third party finance company. Ms. Wei can choose a professional financial planner to make detailed financial plans for her asset allocation. 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. 
 in addition, Ms. Wei can try red wine < a href= "//m.pmae.cn/news/index_s.asp" > investment < /a >, art collection and other investment ways, improve their taste and quality of life.