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          家庭理财技巧——年收入30万 如何做--_WWW.LICAIZHE.COM

          时间:2018/3/8 22:07:07 点击:

            核心提示: 年收入30万如何做家庭理财?李先生和太太都为证券公司的职员,俩人年收入加起来有30万左右,按照这个数字来说,他们的生活应该过的很惬意,但是李先生和太太同样存在骄焦虑,他们每月光房贷就需还8000余...
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          年收入30万如何做家庭理财?李先生和太太都为证券公司的职员,俩人年收入加起来有30万左右,按照这个数字来说,他们的生活应该过的很惬意,但是李先生和太太同样存在骄焦虑,他们每月光房贷就需还8000余元,再加上基本生活开支、养车费用、人情往来费用,还有为孩子买的各类用品等,家庭每月总支出在1.8万左右。一年下来,总支出超过20万。 虽然有些许结余,但李先生也在担心,万一哪天有额外的大笔支出产生,那家庭经济很有可能陷入危机中。那么如何做家庭投资理财规划,能改善富起来的焦虑呢?Annual income 300 thousand how to do family finance? Mr. Lee and his wife are for the securities company, the two combined annual income of about 300 thousand, according to this figure, they should have a very comfortable life, but Mr. Li and his wife are also proud of anxiety, they also need loans each of more than 8000 yuan, plus basic living expenses, car cost, cost and human exchanges, for the children to buy all kinds of supplies, household monthly expenditure of around 18 thousand. In one year, the total expenditure was over 200 thousand. Although there is a surplus, Mr. Li is worried that, in case of an extra large amount of spending, the family economy is likely to fall into a crisis. So how to do family investment planning, to improve the anxiety of the rich? 

          【理财建议】 [financial advice]

          1、培养理财意识,拓宽增收渠道 

          李先生一方面家庭开支较大,无法快速积累财富;另一方面,李先生缺乏理财意识,不能增加家庭的被动收入。 

          建议李先生和其妻子提前为家庭支出做好预算,并培养自己的理财意识,拓宽增收渠道。比如配置固定收益类产品,91财神推出的理财产品财宝:活期产品,随时可以转入,随时可以转出,转出后当日到账。底层资产是金交所产品。定期目前有30天/60天/90天/180天定期理财,持有7天后允许债转。底层资产是金交所产品。1, cultivate the awareness of financial management and broaden the channels for increasing income
          Mr. Li, on the one hand, has a large family expenditure and can not quickly accumulate wealth; on the other hand, Mr. Li lacks financial awareness and can not increase the passive income of the family.
          It is suggested that Mr. Li and his wife make a good budget for family expenditure in advance, and cultivate their own financial awareness and broaden the channels for increasing income. For example, the configuration of fixed income products, 91 wealth God launched financial products treasure: demand products, can be transferred at any time, at any time can be transferred out of the day after arrival. The underlying assets are the products of the gold exchange. There are regular 30 days / 60 days / 90 days / 180 days of regular financial, holding 7 days to allow debt. The underlying assets are the products of the gold exchange.


          2、未雨绸缪,提前开展家庭保障计划 

          三口之家,保障措施是不能少的。由于李先生的妻子是全职太太,无五险一金,因此建议李先生可以为太太配置些商业保险。自己则可以在社保的基础上,适当配置些重疾险、意外险等。那无论自己或家庭其他成员发生什么情况,都不会让家庭承受过重的经济压力。 2, take precautions and carry out the family security plan ahead of time
          There are no less safeguard measures in the three family. Because of Mr. Li's wife is a full-time wife, no five social insurance and one housing fund, so that Mr. Lee can configure some commercial insurance to mrs.. You can be in the social security on the basis of the proper configuration of some critical illness insurance, accident insurance etc.. No matter what happens to yourself or the other members of the family, the family will not suffer too much economic pressure.


          3、明确职业目标,长远规划 

          当李先生感觉工作陷入了“瓶颈期”,那就要再明确自己的职业目标,并进行长远规划了。李先生应好好考虑自己将来究竟想要做到一个什么样的职位,有了明确的方向,就可以有的放矢地进行准备。比如是否该报个培训班、是否应该去考几个必要的证书等。这样,李先生也不会为将来太感到焦虑,对自己的职业发展也有很好的帮助。 

          总之,要摆脱焦虑,像李先生这样的“新锐中产”得多管齐下,既要培养理财习惯,也要规划好自己的职业生涯,才能最终达成目标。 3. Clear career goals and long-term planning
          When Mr. Li feels that his job is in a "bottleneck" period, it is necessary to make clear the goal of his career and make a long-term plan. Mr. Li should think about what kind of position he would like to do in the future, and have a clear direction, so it can be prepared in a definite direction. For example, whether to report a training class or not to take a number of necessary certificates. In this way, Mr. Li will not be too anxious for the future, and also has a good help to his career development.
          In a word, we must get rid of anxiety, like Mr. Li's "new generation of middle class". We should develop financial habits and plan our career so as to finally achieve our goals.



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