Introduction to financial management: basic knowledge of family financial management

Family financial management is to carry out various investments and property management on a family basis to maximize income. Many financial managers may find it difficult to learn family financial management. In fact, it is not difficult as long as they are careful. The following is the basic knowledge of family financial management for everyone, especially suitable for zero-based financial management. Come and have a look!

Before family financial management, we must first know what the family's income is, and then rationally allocate assets. As a family with a fixed income, we usually start from four aspects, which is the so-called 432 1 financial management rule.

432 1 financial management rules are 40% for investment, 30% for food, clothing, housing and transportation, 20% for savings, and 10% for insurance. 40% of them should pay attention to reasonable collocation when investing, and don't invest all in the stock market or buy the same fund.

Although you can concentrate on making money when the market is good, you will concentrate on losing money when the market is bad. This is also the case. So when investing, try not to put all your eggs in one basket, or it will really hurt if it is broken. You can buy different wealth management products to spread their risks.

Retain 20% of the savings because financial management is risky, and the bank's regular savings are guaranteed by deposits, and the capital preservation is within 500,000. Therefore, when managing money, we must ensure the safety of some funds.

However, this rule generally applies to most ordinary families. Generally speaking, in addition to high-yield wealth management products, we should also pay attention to the risks of wealth management products, and we must consider the ability to take risks before managing money.