Joke Collection Website - Mood Talk - Is it more appropriate to support the family through financial management? (What are the ways to invest and manage money? )

Is it more appropriate to support the family through financial management? (What are the ways to invest and manage money? )

First of all, say the answer. It is feasible in theory to support the family through financial management, but it is very difficult to operate in practice.

First of all, we should understand what it means to support the family. Bringing home the bacon means barely feeding your family and not going hungry. But I don't know how to support my family. I understand that raising a family is not only about not being hungry, but also about being born and sick, because no one can guarantee not to get sick. How expensive it is to be sick now. A small cold costs several hundred RMB, and children should have books to read, not just not hungry. This is my understanding of bringing home the bacon.

If you have millions of RMB, it is feasible. Even if you put these millions of RMB in the bank for a fixed period of time, paying interest can meet the requirements of bringing home the bacon. If you have 5 million! According to the current three-year fixed interest rate of 2.75%, you can earn 137500 a year. If you switch to other wealth management products or national debt, you can earn 300 thousand a year at the interest rate of about 6% of national debt, which is more than many families in China, and you can completely support your family. So the question is, do you have 5 million? If you have the ability to earn 5 million yuan, you will not consider using financial management to support your family, because your ability can completely give your family a better life.

If there is no 5 million yuan, only 500,000 yuan will buy government bonds, and the interest for more than one year will be 30,000 yuan, which is still difficult to support the family. Of course, there are higher wealth management products. Trusts, funds, stocks, etc., but can you bear the risks brought by these wealth management products? What will you eat if you lose?

Therefore, it is theoretically feasible to support the family through financial management. If you have millions and don't want to struggle, you can choose sound financial management to support your family. Without millions of principal, it is definitely impossible. You must keep fighting.

Hello, my friend, I'm glad to answer your questions here.

It is more appropriate to support the family through financial management, but it is only one of them. The key is that the quality you require to support your family is very important. I suggest you consider your problem from the following aspects:

First of all, how many people are there in your family to support, children, parents and husband and wife? What is the proportion of your monthly expenditure at home? If your monthly expenses are greater than your monthly income from financial management, it is definitely not appropriate to support your family through financial management. If the monthly expenditure is far less than your monthly income from financial management, it is very suitable for raising a family through financial management.

Secondly, whether you manage money or support your family is actually determined by your current total household expenditure and your total income. The more your total income, the more you will get from financial management. or vice versa, Dallas to the auditorium

Then, I know several kinds of financial management: 1, bank time deposit. This kind of financial management has different time and interest rates. The risk is relatively low, but the benefits are not much. 2. Bank wealth management products. The risk of bank wealth management products is not high, but the income is higher than that of time deposits, and the investment period is about 3 months to 6 months. 3. Stocks, futures stocks and futures investments have high risks and high returns, but they need some professional knowledge to get involved. 4. Funds are relatively safe. As long as the basic products are legal and compliant, the investment period is 1-2 years, and the rate of return is good.

You can choose your own financial management method according to your actual situation.

Friend, I hope my answer can help you!

Hello: What I told you is an expert. I can only keep a five-year time deposit in the bank. Five years later, I saved the unused money with interest for another five years, 200 thousand, which is not a little money after one year.

Of course, isn't that financial freedom? Passive income covers all expenses.

Stock market: It is recommended to buy index funds or white horse stocks with good dividends.

Rent: buy a good house and do business well.

Equity dividend: investing in other people's enterprises will pay dividends every year.

Every way is possible, but there are risks and you need to learn relevant knowledge.

I recorded a video specially, but it was too big to upload here. Please watch the watermelon video.

If you know a lot about financial management, you can try it. If you don't, try to find a job with optimistic prospects. Personally, I think so. I think I have to support my family. I have to have a stable income to feel safe, and I have a job to feel very practical.

Thanks for inviting me.

Yes, you can. Now you ask a Shanghainese in his sixties and seventies, how did his family come over in his life? Nine times out of ten, many people will tell you that you must learn to manage your money when your income is low and your expenses are high. The general principle is to live within our means under the bottom line of limited total income. Save every copper coin to maximize the benefits and use the money on the cutting edge. Therefore, most ordinary families in Shanghai keep a detailed record of their expenses every day. In this way, my family passed down to my generation. My old body and I are both over 70 years old this year, and we still insist on paying the bill every day. One of its advantages is knowing the total monthly expenditure. The second is to know where the money is used for research so that it can be used in the future. Third, we can know which ones should be used and which ones should not be used or used less. At that time, my wife and I were both working-class people of our generation, with a monthly salary of 3,4o,4,50. Although prices were low and medical care, education and housing benefits were good, it was still difficult to maintain a family's daily expenses. A good friend of my unit, because of her husband's accident, three daughters who were in primary school took turns to go to the market to pick vegetables and go home to cook after school, which was different among Shanghai civilians at that time. That's it. Their eldest daughter still starts the daily bookkeeping task.

Shanghai today includes some old people. Don't just see it developed and bright. In fact, I have experienced the hardships of those years, the hardships of ordinary working families and the confusion of poverty in those years. However, heaven rewards diligence. The vast majority of ordinary old people in Shanghai have finally survived after decades. The key is to live within our means, save as much as possible, calculate carefully and live frugally.

Talk about the human body, for reference only. I hope it will inspire you!

I think it's okay. The premise is that you have enough principal or enough level.

Some people have several suites for rent at home, with a monthly rental income of tens of thousands. Isn't this managing money to support the family?

There are many ways to manage money now, and there may be more in the future. For example, the daily interest rate of Yu 'ebao is almost110000. If you have 100w in the balance treasure, you will earn about 100 yuan a day. It is no problem to eat to this extent.

Of course, you can also choose a way with higher income. For example, a relatively high-quality equity fund has an annualized income of 14%~20%. Assuming that calculated by 16%, the average annual income of 60w principal is 9.6w, so life is fine.

If you can stock your own stocks, the annualized income level of semi-professional mature old investors is about 10% ~ 40%. 25% on average, 40w principal income 10w.

You see, from 100w to 40w, the problem of eating can be solved, but it is difficult to reduce the principal. If the futures speculation is good, the principal 10w can actually solve your living expenses for one year.

Pay attention to the risks. In most cases, we still have to earn wages.

Although speculating futures with the principal of 10w can satisfy personal life, it is a high-risk project. How do you ensure that you always win rather than lose? Where does the living expenses come from if you lose money?

So unless you have a lot of money or a high level, you must have no job and no source of income other than financial management.

Work income and financial management

No way, we live in today's era, and it is impossible not to manage money. Financial management should start very early, and the sooner the better. Finally, wealth management income must exceed the salary income before retirement.

Suppose a 28-year-old young man is working and getting married. At this time, he began to consider financial planning, starting with the simplest, such as investing 1000 yuan index fund every month. However, when he retires at the age of 60, he should try his best to bear the expenses of the whole family in full, including not only food and clothing, but also all expenses such as medical care, insurance, travel and social interaction. Because, when you get old, you may lose your job.

Life age, about 30 years old, must start financial management; At the age of 40, the financial income should be equal to the salary income; By the age of 50, wealth management income should exceed wage income; When you retire at 60, your financial income should be more than twice that of your pension. Because our pension is far from enough, and prices are rising, especially the price of services.

Look, financial management is a necessary job.

Not appropriate. Whether starting a business or working, no job is like a rootless source. How do you manage your money?

First of all, to support your family, you should ask yourself what kind of living standard you want to achieve; second, how much money do we need to reach this standard; third, how much money do you have to invest in financial management; and fourth, what kind of financial management investment do we make in order to realize the income and achieve the purpose of supporting our family. Let's talk about it in detail after we make it clear. Assuming that raising a family costs 654.38 million yuan a year, the deposit is about 3.65 million yuan according to the bank's three-year fixed deposit interest rate of 2.75%. If calculated according to the annual interest rate of 3.98% for certificates of deposit of state-owned banks, the deposit is about 2.5 million, and the funds and stocks have greater returns but great risks, and the requirements for time and risk tolerance are also high, so I will not make a specific explanation here. Generally speaking, it is ok to support your family through financial management, but you must have a certain financial foundation and knowledge and experience in financial management. I suggest that you have a stable income first, and then within your own risk tolerance, learn more about and accumulate financial management methods and experience from a simple point of view, and gradually realize financial freedom!

Thank you for inviting me.

Yes, as long as you have enough principal, assuming there are hundreds of millions of funds.