I work in the financial sector, there are certain advantages on family finance. Sound, mix, value added, is my financial criteria, but also my financial management plan for this year\'s guiding ideology.
Sound, mix, value added, three are interdependent. General wage earner income limited only prudent, to reduce and reduce risks, to achieve the purposes of value added. Finance to value added, you must implement portfolio strategy, seeking maximum benefits as possible.
Portfolio finance person to respond. At present, China\'s stock market downturn, too risky; collection needs the appropriate knowledge and skills; investment real estate without capital strength. Therefore, I proceed from their own realities, financial means for this year\'s savings 40%, bond 30%, open-end Fund 10%, private lending 20%, portfolio investment, their ratio is under financial management guidelines established by the calculation.
At present, although the savings interest rate is the lowest level since the founding of, but it has features such as security, mobility, productivity, wage earner is the best choice. Savings in the operation, given the current characteristics of different period of minimal difference in interest rates for savings on a regular basis, for the flexible use of funds, leaving part of the cost of living survival, remaining in regular savings, three months, six months, one year duration combination known as the \"combination of length, and balance\".
Bonds, especially those treasuries, due to waive interest tax, their relatively high income, but according to the recent issue of Treasury bonds, to withdraw their interest income lower than the savings, therefore, must be within a certain period will not release funds to buy government bonds, so as to get a higher income. Of course, if you are interested, you can open an account to the stock market, in a sense, fried Treasury it is quite safe.
Open investments of the Fund was launched in recent years of new varieties, but due to the investment market is in the doldrums, she acquired enough, bad fate, at present most of the Fund fell below face value. As the Economic Outlook looks promising open funds should be \"new Vista\", therefore, is currently the Fund periods of low prices, is also a good time to buy Fund.
Private lending, is one of the most attractive investments. It gains a high, but there are certain risks, the key is strictly examine the financial strength and creditworthiness of the borrower. I based on long-term credit work experience, select the debt to asset ratio is low, the economic benefits of good prospects, customers for its products as the borrowed object, and implemented in private lending \"small, decentralized, short\" strategy, speed up capital turnover, found signs of risk, time to recover, will fund the initiative in their own hands. Of course, private lending constraints must be in accordance with the relevant legislation, to sign the Protocol, legalization, has the best conditions the guarantee mortgage formalities, on the premise of ensuring financial security in order to improve the finance income.
Financial management is a science, sound mix, value added, is my accumulated decades of financial management experience, perhaps this is a very conservative way of managing money, but I still love her, because in the past couple of days, she gave me a spacious room and comfortable life. Dear friends, welcome to my financial plan all of your comments and suggestions.
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