In our daily life, we may know that financial management and other methods of managing funds are very important, but because their concepts are hard to understand for ordinary people, many people give up financial management. The purpose of this article is to help you understand the meaning of these professional words and help you get started easily. Let's first look at what the capital protection ratio is. Take a very understandable example: if you buy an economic product and the capital protection rate is 70%, you will lose 30% of the capital after the product expires. So this warns us that we must consider this term when purchasing related products.
If you don't know the specific contents of financial products, you can't do your investment well. Let's look at the national debt first. As the name implies, the national debt is the credit guaranteed by the state for you. You can invest with confidence, and its profit is higher than that of the bank.
Then look at the money fund. It is of low risk. The profit of the company's bonds is higher than that of the national debt, but note that if you want to invest in a short term, I do not recommend you to choose this one, because if the price changes in the short term, it will be affected.
And bank financing. Once you have it, stick to it until it expires. And it is more suitable for you to invest when you have more funds, at least 50000 yuan.
And gold. Because its liquidity and flexibility are very good and it is a method that can maintain value for a long time. And insurance. Its flexibility is not as good as the previous one. Let's look at the 4321 law. These figures are actually percentages. In other words, families divide their income into 40% invested in houses, 30% invested in household daily expenses and 20% in bank deposits. The remaining 10% will be invested in case of emergency.
Why should we divide it this way? It must be reasonable and scientific.
Let's continue the topic just now. To double the value of your principal, you need to divide your annual yield by 72. You can figure out this calculation rule by giving an example. There is also the 80 rule, which is calculated according to your different age groups. In fact, it is to calculate how much risk you can tolerate at different ages. However, this is only a reference for you. The specific situation depends on your family status at that time. Let me give you an example of calculation, and you can quickly learn how to calculate and evaluate risks. If you are 35 years old now, this is called the age score. 80 minus 35 equals 45, then your reasonable proportion of investment in high-risk products is 45%. Pay attention to the investment in high-risk products, and finally add the percentage sign. We must not make any flexible changes if we recognize this rule. This rule is not omnipotent and will not work at any time. In a word, analyze specific problems.
