Modern society gifted to the female's part more definitions and imaginary space, want to dare go all out in work on the career, want to do the family in perfect orderly again. Actually, female lifetime should be experienced a lot of, from original and pure the girl that does not have care arrives virtuous wife fine mother, but no matter how the part changes, clever female should be known for oneself, make conduct financial transactions plan for the family.
The leading role of domestic manage money matters exceeds 6 to become is a female, but among them major female is domestic bankbook, credit card, bill " keeper " , not was oneself or domestic finance affairs to had done conduct financial transactions to plan systematically. Nevertheless, the female of different age level, because the different, located level of life aim is different, the means of conduct financial transactions differs naturally also.
Duty field is entered first
Consume after deposit first, accumulate investment capital
The female of strong finish school, duty field is entered first, do not have deposit idea commonly in this phase, "Make money desperately, chicly beautiful money " . At this moment the consciousness of conduct financial transactions that you ought to begin to foster your, the habit of nurturance deposit, accumulate investment capital, this will have very crucial effect to the economy life henceforth. The investment with this one the most important level is him, him investment is not to mean what use cost at eating, had worn, act accordingly however, use fund in raise oneself accomplishment and ability to go up, attend for example groom enhance professional technical ability, read a book more, build resource of person arteries and veins to wait.
Above all, answer to begin from reasonable control income and expenses, do not do moon a group of things with common features. Can make full use of the applied process such as software of all sorts of vivid, convenience charge to an account will foster charge to an account and estimated habit. Want reasonable consumption, form good deposit convention. Next, OK and reasonable use credit card adds the liquidity of cash thereby. Nevertheless, if you have very strong consumption desire, when using credit card must the convention using card with good nurturance, meet otherwise deep-set crisis blocking debt, those who reduce a hundred per cent " card slave " .
In the asset configuration of this phase, bear as a result of the youth's risk power is high, the proposal uses the 20%-30% of lunar income at compulsive deposit. Nevertheless, laying in 3-6 lunar expenses of the month falls as the circumstance of urgent a shot in the locker (master) neatly according to oneself circumstance, but again will among them 10% the left and right sides is used at the stock model, mix model fund is cast surely, "It is OK to such doing in prospective 5-10 year accumulate the wealth with considerable brushstroke for oneself " . In addition, in safeguard respect, suggest everybody is below the premise with perfect social security, with do not exceed year of income the capital of 5% will buy risk of consumption accident danger and consumption serious illness for oneself.
Establish a family
Make clear life program, combination of perfect family finance affairs establishs a family
After the female enters matrimony stage by stage from single life, the career also enters stability period, began to new life plans in the female of this one phase, and target of more conduct financial transactions, buy a house for instance, buy a car, marry, parturient etc. Before conduct financial transactions, want to arrange domestic financial standing regularly, the financial standing on handle makes detailed check, for instance how many deposit, cash of every months sheds, how much does every months of expenditure predict, what to have a large amount of consumption predict to be able to happen etc. What state is in in can clearer home so, it may not be a bad idea arranges follow-up conduct financial transactions. The perspective that your need of this phase becomes independent individual finance affairs changes finance affairs of excellent front courtyard healthy, at this moment domestic income and expenses are rising, below the circumstance that lays in enough and urgent a shot in the locker, abound oneself investment knowledge and investment channel, accumulate relevant investment experience, perfect family invests combination.
To the female asset configuration of this one phase, proposal everybody above all domestic income 30% the left and right sides is used at conduct financial transactions, in be being used at buying conduct financial transactions of product of conduct financial transactions of national debt, bank, Internet to wait partly low risk product, one part can bear according to the risk the high risk product such as ability configuration stock. The family of this one phase is bearing a room to borrow commonly, the car is borrowed wait for loan, have some kind of feeling that works to the bank, accordingly, reasonable money side should wear a safety net first above all, want to make the insurance program of good family that is to say, healthy insurance and accident insurance are this phase is indispensable, as a result of physiology feature of the female, also want to increase insurance of a few females.
Multiple part
Reserve teachs capital, asset steadily appreciation is given priority to
Enter 35 years old of right-and-left females, the burden that goes up personally is heavier and heavier also, want to raise the child not only, some families assume the responsibility that has support old person even. In this phase, financial safeguard, dovish asset rise in value is very fundamental. Should mix educational expenses of the child right now the key that domesticity charge regards conduct financial transactions as, ensure children is successful finish school, how does parents spend old age.
Want to make educational gold reserve for children as early as possible above all. Be born in go up to learn this for some time from children, can the house property of 30% invest in that can invest capital, in order to gain stock of stable invest in of long-term redound;20% , foreign currency or futures; 40% invest in rely on the product of Internet conduct financial transactions of chart; 10% take current deposit, regard a family as urgent a shot in the locker. In addition, increase healthy insurance and endowment insurance appropriately even keep the specified number.
The old age in entering
Reliable investment is given priority to, strengthen healthy safeguard
For female of the old age in be opposite, those who stabilize rich life and family is healthy it is the life is the greatest expect. This phase also is period of growth of domestic fortune high speed, value more to the function of financial safeguard and dovish appreciation, the health that needs to strengthen family and oneself more at the same time is ensured. Right now the principle of conduct financial transactions should be the body the first, fortune the 2nd. Economy kind must want with dovish give priority to, it protect this is in what to compare right now is important to protect this is in what to compare right now.
This phase should begin to be his, family lays in annuities. The reserve time of annuities is longer, more advantageous to old age life of the female, accordingly middleaged need begins to prepare to be used technically at the charge of provide for the aged, "This share capital can choose to throw the way that waits for small investment, economize to avoid running short surely, minor gains relies on risk of investment of optional also choose the product of Internet conduct financial transactions of chart. In addition, return the investment that should increase insurance demand appropriately, prevent to what weigh big disease especially, return Lv of take an examination to buy danger of fixed birthday danger, provide for the aged to wait at the same time, maintain an umbrella for old age health, financial crisis is caused after preventing accident state to happen. This phase is unfavorable undertake frying an investment that waits for high risk by oneself.
