Set your own financial goals: buying a car, buying a house, paying off debts, saving for retirement, saving for education, etc. It is necessary to define the description of financial management objectives in terms of specific time, amount and objectives, such as qualitative and quantitative. Looking back at assets, including assets and stocks with expected future returns, we can know how much wealth management there is, which is the basic premise; Review personal assets and conduct a comprehensive inventory of major assets according to relevant categories. The financial assets and fixed assets mentioned here include financial assets, including bank deposits, bonds, traditional insurance, investment insurance or open-end funds, closed-end funds, stocks or fixed assets, including real estate and automobiles.
If you know your life in the financial management stage, your financial management goals will be different in terms of funds and attention to life-product center at different levels and stages. Life cycle is divided into six stages: single phase, family formation, family growth, children's education, university, family maturity and retirement. Setting financial goals and needs must conform to all stages of life.
Test your risk tolerance on the third day.
-Risk preference is an important basis for all financial planning. Choose according to your actual situation, do eight risk tolerance test questions, and get the definition and description of your risk tolerance, so it is obvious what kind of investor you belong to and make your own risk tolerance ideas. Regardless of risk preference, for example, many customers put all their money into the stock market without making assumptions, parents, children and family responsibilities. At this point, he deviated from the tolerable range of his risk preference.
-Risk tolerance: conservative, conservative, moderate, moderate, enterprising and positive.
After the completion of the above steps, according to the individual's risk tolerance, rationally allocate their own financial products such as savings, stocks, bonds, funds, trusts, insurance, real estate, etc., so as to maximize the preservation and appreciation. There are no best financial plans and financial products, only financial plans and financial products that suit you.
Style As a representative of financial experts, funds are a good investment channel, especially open-end funds. Because the scale is not fixed, investors can purchase and redeem at any time, so higher requirements are put forward for the management of fund managers. Therefore, long-term capital investment may be the best way to realize and increase value.
According to different investments, investment funds can be divided into stock funds, bond funds, money market funds, futures funds, option funds and index funds. The fund type should be selected according to the individual's risk tolerance and the country's macro-control policies.
Bonds and insurance also have certain investment value. They are characterized by relatively stable returns and very low risks. Needless to say, bonds. From the initial development, there are universal pure insurance protection, insurance linked investment and dividend insurance. Insurance awareness can invest in safe universal insurance, and she can postpone the amount of diplomatic fees, which is flexible and convenient; Insurance adjustment to meet demand; Evading debts and transferring assets; Lower cost and more competitive; 65438+ 0.75% annualized, with minimum guarantee for monthly interest settlement.