My monthly income is 1000, and I repay the bank loan of 3000, leaving 7000 for consumption and 2000 for financial management. I have a dividend from Ping An Insurance, with an annual deposit of 2,222

My monthly income is 1000, and I repay the bank loan of 3000, leaving 7000 for consumption and 2000 for financial management. I have a dividend from Ping An Insurance, with an annual deposit of 2,222 yuan, and a smart life insurance. howdy

I'll introduce you to a family property distribution scheme.

Our family should generally have three accounts.

1. The cash account is the money to be used now or in the short term. The money must be highly liquid and available at any time. The amount of this account should be about 6 times of your daily expenditure, that is, more than 6 times of your half-year expenditure and less than 6 times of idle assets. Your amount is insufficient. This account is your bank deposit.

2. The planned account is the money to be used in the future or the money to be used for a long time. The security of money must be strong, and the amount of this account should be about 15%-20% of your annual income. This account is your annual insurance investment.

3. Investment accounts are basically useless money. This account requires a high income quota ratio. There is a formula to introduce to you, which is (80- your age) * 100%. You can multiply the calculated percentage by your total assets to get the maximum amount of your investment, otherwise your property risk is very high. This account is the account where you buy stocks, funds, real estate and other investment methods.

Your monthly income is 10000 yuan, but 3000 yuan is a fixed expenditure, so your current monthly income is 7000 yuan, which is 84000 yuan per year. If you spend 2000 yuan a month, your current deposit in the bank should be 12000 yuan.

Your annual investment in insurance should be around 12600 yuan to 16800 yuan. I'm not sure what your safe dividend insurance is. The annual deposit of 2200 yuan should be Sanhong product Hongsheng Li Honghongxiang. It is a good dividend product, and the universal insurance of Zhiying Life Insurance is also very good. You have a strong sense of insurance.

In addition, you can also spend some money to buy some safe investment products such as treasury bonds, funds or bank time deposits (be careful not to buy bancassurance products ...). I don't recommend you to enter the stock market above 3000 points.

I hope my answer can help you. Thank you.