In first-tier cities, how should we allocate household assets?

First-tier cities should refer to the three recognized first-tier cities, Beijing, Shanghai, and Guangzhou. Because of the high pressure of life and fierce competition, the household asset allocation in first-tier cities is different. First of all, you still need to have two fixed assets, a house and a car.

When there is a surplus, family assets can be used for some financial management. If you have relevant experience in stock investment and dare to take risks, you can trade in stocks. However, the stock market is risky and you need to be cautious when investing. If you want to make some investments with less risk and stable price comparisons, there are treasury bonds, and some direct bank investments. These investments have a capital preservation type, which is the most stable, because the least ideal situation is capital preservation. There will be no loss, at most no profit.

Of course, there are also some investment methods such as futures speculation, etc., which require some professional knowledge and cannot be done blindly.

Except for fixed assets, all family assets cannot be used for investment. Some of them need to be kept as current deposits. In order to avoid the depreciation of the RMB caused by inflation, it is best to have deposit interest rates higher than inflation. Rate. Simple current deposits are in banks, as well as Alipay, etc., which are convenient for deposits and withdrawals. If the family has urgent needs, they can also take them out, and this fund is reserved.