Asset allocation and insurance design in different life stages 1: The single period is generally 2-5 years (20-28 years old) from the time you get married at work. Characteristics: The economic income is relatively low and the expenditure is relatively large, which is the capital accumulation period. The purpose of investment is not to make a profit, but to accumulate funds and investment experience. So we can use this fund for high-risk investment to gain investment experience. In addition, you must save a sum of money, one for future marriage and preparation for further investment. At this time, due to the low burden, young people's premiums are relatively low, and health protection and responsibility to parents are the most important. You should consider taking out life insurance for yourself. Priority of financial management: financial savings plan > asset appreciation plan > emergency fund > suggestions on housing asset allocation: 60% high risk, 25% fixed income, 65,438+00% capital preservation and 5% insurance. The insured amount is ten times the annual income. The suggested types of insurance are: 65,438+0, whole life insurance, term life insurance, accident insurance, health insurance, hospitalization and subsidy insurance. The second stage: from marriage to the birth of a newborn, it is generally 65,500. With the increase of economic income and the stability of life, families have a certain source of income. In order to improve the quality of life, it is often necessary to build a larger family, such as buying some high-end products; Buying a house with a loan also requires a large monthly payment. Financial priority: house purchase > hardware purchase > financial savings plan > emergency fund asset allocation suggestion: high risk 50%, fixed income 30%, capital preservation 65,438+00%, insurance 65,438+00%. At this stage, every member of the family is very important, so it is necessary to protect the personal and health of family members. In addition, it is necessary to start planning and preparing children's education funds. This problem can be solved by insurance. The suggested types of insurance are: 1, life insurance 2, additional term insurance 3, health insurance 4, children's education insurance or investment dividend savings insurance 5, accident insurance and medical insurance protection. Suggestion: The total security for family members is 10 times of their total income, and the security for family members is 10 times of their own income, but the security for children should not be too high, so attention should be paid to education. In addition, if the house has a loan, the insurance amount of the main members of the family must exceed the loan amount. The third stage: the family growth stage refers to the period from the birth of the child to the university, which is generally 9- 12 years (35-50 years old). Features: At this stage, the number of family members is no longer increasing, but the age of family members is increasing. The biggest expenditures of families are health care expenditure, preschool education expenditure and governance development expenditure. At the same time, with the enhancement of children's self-care ability, parents are full of energy, have accumulated certain work experience and investment experience, and their investment ability has been greatly enhanced. In terms of investment, we can consider encouragement for entrepreneurship, such as venture capital. However, during this period, family and work pressures are relatively high. Due to the growth of age, the physical condition will be somewhat insufficient, and at this time, insurance is very important for the whole family. Buying insurance should be based on education funds and parents' own protection, and at the same time, we should plan for the protection of retirement. Financial priority: children's education planning > asset appreciation management > emergency fund > special target planning. Asset allocation suggestion: high risk 35%, fixed income 30%, capital preservation 15%, insurance 20%. The amount of endowment insurance is 60-70% of the current salary. Suggestions: 1, insurance for the function of saving for the aged 2, whole life insurance 3, health insurance 4, accident and medical insurance stage 4: The period of children's college education refers to the period when children go to college or junior college, generally 4-7 years. (5 1-55 years old) Features: At this stage, children's education expenses and living expenses soar, and the economic burden is usually heavier. Those families who have made achievements in financial management and accumulated some wealth are fully capable of coping, and can continue to develop investment and create more wealth. And those families who are not well-off in financial management should pay more attention to their children's education expenses and living expenses. However, when people reach middle age, their physical function declines obviously, so it is necessary to protect the risk of major diseases, medical care and old-age preparation. We should consider having enough pension to spend our old age safely. If you start to prepare for retirement wisely when you are young, you will find that your old age will be orderly. Otherwise, this problem must not be ignored now. Investment should consider safety and profitability, because once you suffer losses, you won't have more time to recover. Financial priority: children's education plan > debt plan > asset appreciation plan > emergency fund asset allocation suggestion: high-risk investment 20%, fixed income 40%, capital preservation 20%, insurance 20%. At this time, we should consider giving priority to old-age care and health insurance, and also leave a considerable legacy to our families with insurance. The fifth stage: the period from children's work to parents' retirement in family maturity, which is generally around 15 years. Features (56-60 years old): Working ability and economic situation have reached the peak, children have become completely independent, and parents' debts have gradually decreased, which is most suitable for accumulating wealth. Therefore, the focus of financial management is to expand investment, but it is not suitable for choosing risky investment methods. Saving a pension fund, dividend financing and pension insurance are one of the relatively stable and safe investment tools, but the premium should be paid in the form of short-term or one-time deposit. wealth management