What are the common risks in home finance?

As long as it is financial management, there are risks. Even if you deposit money in the bank, you are afraid that one day you will wake up and the news will say that the bank has collapsed, or that there will be a war one day, and the deposits in the bank and the government bonds purchased will be invalid.

Therefore, a single financial management method is the biggest risk among family financial management risks. To diversify this risk, it's very simple. Allocate your family property scientifically and rationally, optimize your financial allocation, and don't put all your eggs in the same basket.

In addition to spreading risks, it is also a matter of allocation ratio. Generally speaking, if you have diversified your risks, but if stocks and funds account for too large a share in your family property allocation, the risk will increase. If you are risk-averse, you should try to avoid investing in the stock market and fund market.

The last one is the risk of benefit. Most people are risk averse, so they prefer traditional, relatively safe financial management methods. However, there is no benefit without risk, and the benefit is directly proportional to the risk you bear. If most of the family's assets are allocated to low-yield financial management methods, there may be a risk of inflation.