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Level of income earners risk control decision

Money is not a privilege of the rich, the average home has a So, different families, different walks of life will be how to finance it? Bin Jiang financial norms for the division type of ordinary working families are given for the fiscal policy of different income levels.

annual income of 5 million the following financial requirements of wage earners, according to the absolute stability analysis of Jiang Bin, general financial management concepts such family traditions, the less risk, the absolute sound family financial management requirements. Proposed spending plan to do monthly, in addition to normal expenses, and then the rest were divided into a number of underlying funds as a family to make the necessary investment and financial management. Current stock and futures market prices are not very good, but risky, working families, low risk tolerance,[link widoczny dla zalogowanych], so investors face is narrow, may consider investing in insurance, funds and bonds.

four reasons: First, the national debt, especially bonds issued every year, slightly higher than the bank interest on savings interest over the same period, and not have to pay 20% tax on interest, so you can use at home a short time no funds to buy government bonds; counter easy book-entry treasury bonds to buy can be trading, liquidity is strong, choose the appropriate species and appropriate period of price intervention. Second, the Fund, in view of working-class families a lower risk tolerance, current market conditions from the point of view, the proposed purchase of partial debt funds. Third, if foreign currency assets, to recommend purchase of the Exchange Bank of structured deposits, such as ABC's Fourth, insurance investment, two cases: For the newly recruited young people in society, recommends purchase of life insurance, can be some basic protection, but also forced savings, and early purchase, the rate is lower. Also, select some accidental injury insurance, mitigation of accidents caused by the financial crisis; for ordinary working families has been established the public, the proposed insurance expenditures accounted for about 10% of household income, consider buying endowment insurance, critical illness insurance and accident injury insurance, insurance, the focus should be playing the role of family breadwinner adults, not children, the children generally do not advocate the purchase of life insurance.

moderate middle class and alternative risk financing products at the current situation of urban and rural incomes, middle-income class features are: annual income of more than 10 million households, income stability, and has 20 million about bank deposits.

Jiang Bin, said the fiscal objectives of such families in the case of moderate risk, to maximize family wealth value. Such a high family risk tolerance, you can choose moderate risk, high return products to the risk in exchange for benefits. A family with 20 million deposit, for example, in the current era of low interest rates, the bank put all the money is certainly a waste of resources. Recommended three or four million in retirement savings as an emergency reserve funds, put the remaining funds for long-term investment, investment products to the insurance, funds and various structured deposits.

one for the funds, the proposed purchase of insurance of this type, partial debt fund type and configuration, low to moderate risk, consult a professional, choose a good performance. The second is for the insurance, the proposed purchase of long-term dividend annuity class of insurance products. Its products include not only a higher yield of fixed returns, it also includes dividends. So that the retiring age of the insured to receive old age pension will be fully protected. Adults may choose to purchase the home of major illness insurance, accident insurance, education, children can choose an annuity, to cope with the expensive college tuition in the future. Third, the structured deposit, the proposed introduction of relatively RMB financing banks and foreign exchange financial products,[link widoczny dla zalogowanych], the selection period,[link widoczny dla zalogowanych], the interest rate appropriate to buy the right products.

Higher income groups should adopt diversified financial management high income sectors of the basic features are: annual income of at least 20 million more family, with two or more real estate, bank deposits in the millions above.

of such class families, said Jiang Bin, anti-risk ability of these sectors, more savings funds have sufficient funds available for investment and financial management, it is suggested the way to a diversified portfolio investment. Can take the funds, structured deposits, collections and other financial products and industrial real estate investment portfolio.

high household income as such, a strong risk tolerance, choose a higher risk of these products, the variety, risk and return is always proportional to the risk of investment in comparison if appropriate, revenue is substantial . It should be noted that high-income earners because of their daily working hours, work pressure will be much higher than normal, the health situation is not ideal. Therefore, for such people, buying the insurance, especially health insurance, for their own health and life is very important to provide protection. But pay attention to several points: insurance, universal life insurance can be purchased high, additional supplementary medical insurance and accident insurance to protect themselves and their families a stable life; Fund,[link widoczny dla zalogowanych], the current weakness in the stock market all the way to temporarily wait and see stock funds, when the stock market strong re-entry, or you can choose a more stable performance of equity funds, some bargain-hunting can also be inhaled; if local housing prices moderate, and choose a good location for long-term investment; launched a collection of financial products broker or trust products, higher yields , the risk is low, but high barriers to entry, generally more than 20 million to enter the high-income people may choose to purchase part of the investment.
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