I hope to give you some enlightenment. Mr. Bi, the confusion of how to make savings and investment may be the topic that most people will be interested in: "I have 100,000 yuan deposit, what should I take the most worth?" Many people - including Mr. Bi Inside - It is very likely that the answer to this question is likely to "most profitable" on which financial instrument will be investred in this money, and the investment yield is the highest. Of course, this "financial management" is absolutely unsteadable, but this idea tends to ignore several most important factors in savings and investment: First, investment is always accompanied by risks, the more High, the greater the risk, so I want to "make money" must have the determination and ability to take risks, and the "most profitable" standard varies from person to person. Simply put, if a person is extremely disgusted, then for him (she), as long as the annual rate of return is slightly higher and the inflation rate is, it is already "the most value"; and if someone will gain a high income The risk of returning to the goods, 20% of the annual rate of return may not be "making money". In fact, "most value" not only refers to achieving high income at the level of risk that can be affected, but also requires the investment plan to meet the actual situation and investment objectives. Second, not everyone is suitable for the same investment method or the same investment tool. This may be easily understood: Zhang San has a strong capital, can invest one hundred square meters of Wang Street shop, and Li Si has no such money, looking for "paving" and sigh; Tom has a strong financial professional background, from the university Start stockings, and Jerry may have a foggy water in the stock market; the shares will fall, a piece of music is in it, but the heart of a part can't bear this sorrow. Various factors will directly affect their investment decisions. It is worth noting that in addition to these factors, individuals must consider a crucial factor in conducting investment decisions, that is, their own life phase and financial goals of this decision. The reason is very simple. If a young man wants to accumulate the retirement fund, he (she) should pay more attention to the growth capacity of the fund, that is, the income of investment is more important, you can bear high risks; but if it is a close The retired person will determine the direction of investment, then he (she) will inevitably pay more attention to the security of the fund. At this time, all the money will be used to make a recycling period, risk investment, undoubtedly no doubt Sensible. Third, savings and investment plans are only an integral part of the financial plan, and must be considered before investing in investment decisions. This seems to be a very simple thing, but the need to do this is free. Only after confidence of a comprehensive guarantee, the cash flow can be determined to determine the amount of funds used for savings and investment, and determine the specific investment plan according to the investment objectives. Speaking of this, how to solve the doubts of Mr. Bi, the idea seems to have been very clear: first understand his basic personal information, financial status and risk preference, then develop a perfect financial plan, then determine the details of the savings and investment plan and put it into implementation . Mr. Bi, 27 years old this year, is an editor of a newspaper, a monthly salary of about 7,000 yuan. It has been working for 3 years, and is still single. Because he is Beijing people, there are two housing in the family, so there is no need to purchase place; because of the report of the social reimbursement of his taxi costs, buying a car does not seem to be necessary. As a single son in the home, he has the obligation and responsibility of the parents, but his parents have a wuy pension and comprehensive health protection. He is just a monthly living fee of 800 yuan, and there is almost no support burden.
In addition, the newspaper has arranged a comprehensive guarantee and retirement benefits, which can have met his risk management needs and basic retirement revenue needs. The major wish of his current is that after three years, he married his girlfriend when he was 30 years old. In addition, he also hopes that the price of the car will float a certain proportion, buy it. A high-end car. Due to the high income, the burden is light, and Mr. Bi has a deposit of 100,000 yuan in just three years after the work - uses his words, it is a "free money" - can be said to be worthy. But how to take this 100,000 yuan, but Mr. Bi, who has no financial expertise, has fallen into a deep trouble. He believes that the interest rate of bank deposits will drop, and the interest tax is not overlooked. If all the savings are placed in the bank, it is really "too much"; he does not want to face the stock market. And high-risk in the exchange market, but can accept moderate risk. After understanding this information, we need to solve the problem for Mr. Bi, it can be rewritten as: First, is this 100,000 yuan really "idle money"? Second, if it is "free money", what should I arrange investment? The first question is very good. "Excellent Financial Plan" has repeatedly talked about the perfect financial plan should include risk management plans, savings and investment plans, five parts of the tax plan, heritage plan, and cash flow management plan, in implementing perfect risk management measures (for example , Buy life insurance, health insurance, property insurance, etc.), pay the necessary life expenditure, after purchasing the necessary assets, the rest of the funds is the source of savings and investment plans. Many people call savings and investment as "free money", actually not very accurate. Savings and investments mainly include four aspects: Emergency Fund, Education Fund, Retirement Fund and General Investment Fund. The top three are for special funds accumulated for a particular important purpose, and they need to decide how to invest according to their corresponding specific purposes; and the general investment fund is established for accumulation of funds, increasing the purpose of wealth, only this part can be truly "Idle money". From the situation of Mr. Bi, he should leave a part of the emergency funds in order to pay for sudden, unexpected expenses (for example, loss of property suffering), in view of his in single stage, this is lower Therefore, the funds equivalent to 2 to 3 months have been left, for example, 15,000 yuan is sufficient. Since the "Emergency Fund" is used urgent, it must ensure that it has a high degree of liquidity, of course, it is necessary to obtain a reasonable return. Investment portfolio, can be considered: 30% of the weekly bank regular deposits, 30% investment in the June bank regular deposit, and 40% of the remaining 40% investment in the periodic deposit in the 1-year bank, and select "Automatic Save", If it is not used, it automatically accumulates to the next deposit period after the expiration of the respective deposits. Educational funds have not been needed for a while, and the retirement fund should start to accumulate. Mr. Bi's newspaper arranged better retirement benefits, but he still hoped to have an extra retirement income of 2 to 30,000 yuan per year. This needs to be planned in advance. The reason is very simple. We all know the myth of Deli, assume The annual interest rate is 5%, from now on investment 32,000 yuan per year, "rolling profit", after 30 years, you can have more than 20,000 yuan per year, continuous lead 20 years! Since the first child is still very young, the safety of the retirement fund can be retired, and the income should be more important - means that the risk can be higher.
Considering the risk preference of Mr. Bi, he did not intend to get involved in the stock market, so that the income fund pursued the high-income income will inevitably be the first choice, the recommended investment method is: every time the same period of time, buy an equal amount of fund, for example Buying a 1,000 yuan fund every quarter, the benefit of doing the risk of digesting the fund's price fluctuations, ensuring that the total purchase cost is maintained in a reasonable average. Of course, he can also purchase pension insurance in the form of premium payment, but its income is lower. Here, we have to take into account the special circumstances of Mr. Bi. He hopes to marry after 3 years, in addition to hoping a grand wedding, he and girlfriend hopes to go abroad short-term vacation, so it is necessary to pre-fund the accumulation. Because the date of marriage is relatively grasped, the cost can also be estimated in advance, establishing "marriage reserve" is feasible. The investment of this part of the funds should be paying more attention to the income, but also considers three years after the performance, so the risk cannot be too high. You can consider the use of investment: buy a certain amount of amounts per quarter-, for example, 5,000 yuan - Balanced Fund (this fund pursues the long-term growth of the current income and capital, the risk is moderate, and the income is better). Now, we can roughly estimate that Mr. Bi is currently more than 60,000 yuan of "free money", and will also gradually increase at a higher speed in the future. This is the second question: How should these "idle money" investment? How to make the "idle money" of the hand maximize value value, is a common desire of many people, and Mr. Bi is naturally no exception. These wealth can meet the needs of future purchase assets (such as buying a car), ensuring that people can achieve higher living standards in the future, bringing higher financial security and personal self-satisfaction, while the investment process is accompanied by It is also one of the most important reasons for many people. Only the general investment fund established by "Idle Money" seems to be more important, and it is true that it is true that it is true to use it. Since I don't want to be involved in the stock market, Huika, Mr. You can choose these "free money" investment tools can include the relatively high risk of funds, bonds, gold and silver, real estate, collection, of course, can include low-risk savings, insurance, etc. . Of course, the specific amount of funds is also hard constraints of investment decisions. To give a very simple example, Mr. Bi is only 60,000 yuan today. He may be difficult to invest in 100 square meters of shops, funds, bonds, gold, silver, savings, insurance, etc. may be more suitable for his actual situation in the community. It is worth mentioning that when determining a specific investment strategy, we must remember a necessary premise: you don't have to bear the risk that you don't have to bear, and your wishes and capabilities of individuals are certain. Meeting this premise is very simple - investment has a person who is familiar with people: "Don't put all the eggs in a basket." If you just carry out a single investment, the result is naturally a glory, it will be damaged; but if will A variety of investment tools combine, even if they break the eggs in the first basket, there are other baskets of eggs in good condition! So the ideal investment plan is inevitably a combination of certain investment tools. Mr. Bi Mr. You can consider the portfolio of 10% of the general investment funds in a regular bank deposit in 3 years or 5 years, 10% investment in life insurance with savings characteristics (eg dividend insurance), 40% investment in the income fund 20% invest in growth funds, 20% investment in gold. One thing to explain is that this ratio is not unchanged, and Mr. Bi can adjust according to the actual investment effect, and this investment like insurance is relatively fixed, with the annual premium expenditure, with the general investment fund growth, it The proportion of the occupancy will inevitably fall.
