What planning should be made for family investment and financial management?

More and more families make their life better and better through investment and financial management. It is important to manage the funds reasonably and effectively to do well in family financial management, so how to do the organic coordination between "open source" and "saving"?

First, establish long-term, medium-term and short-term plans for the use of funds

Theoretically speaking, whether it is a well-off family, a well-off family, or a family with imperfect economic foundation, it is necessary to formulate a family investment plan in order to make progress and changes in all aspects in order to achieve long-term development. To do a good job in family investment planning, we can proceed from the actual situation and divide the overall funds into three dimensions: long-term funds for family development, medium-term funds for asset growth, family management, short-term funds for consumption and flexible adjustment. Generally speaking, long-term and short-term funds can be set to a certain proportion, such as 253, 343 and so on. Of course, the situation of every family is different. Family investment should accumulate experience, and then adjust the overall plan in practice.

Second: layout safe open source and effective throttling methods

In the planning environment, we can make specific analysis from the perspective of consumption and open source. When it comes to open source, there are usually different types of management in the market, such as investment, asset growth and distribution, commodity management, etc. We can proceed from a reassuring point of view and make a reasonable distribution. In the overall management of the family, reasonable consumption should be realized, including where the funds are used. These are very important ways of thinking.

Third, prepare a certain proportion of family 成人英語課程 持續進修基金emergency fund

Whether the fund management is scientific and reasonable is an important link in the family life management. In addition to the clear fund planning, open source and throttling application, families also need to establish a certain proportion of emergency reserves, so that the funds can be used for emergencies.