Crab keywords: sense of security
How do crabs care more about how they are making more money when they are born with less security Keep the money earned. Compared with the pleasure brought by the surge of funds to the crabs, the violent withdrawal is undoubtedly more violent for the spiritual stimulation of the crabs!
Proposal for raising the foundation: Value style funds, stable ups and downs
You can pay attention to value investment fund managers. They pay more attention to retracement control, and most value-style investment fund products have the characteristics of stable growth and resistance to declines. They are not likely to be the highest flying base in the bull market, but in a market that fluctuates repeatedly this year, they may become a hedging weapon.
The following two funds are examples. From the performance curve, it is easy to see that one of the funds is a typical value investment style fund.
The work of a typical value-style fund manager. The growth is not radical but the curve is stable and beautiful. Very resistant to falling.
Crab keywords: family is heavy _p4span _span15 pstrong _span _span15 pstrong _span 15 takes care of people by their nature. Crabs who are not sensitive to money have a great talent for housekeeping. They like to do family financial planning, children's education, family pension, real estate purchase, they plan carefully, meticulously take care of every investment in the family .
financial advice: family asset allocation, combination boxing
Crabs must first learn and gradually build a "family asset allocation" underlying logic. Tai Baoer gives you an example to show you a basic portfolio allocation account.
1. The first account is the daily expense account, that is, it can meet the daily consumption expenditure. Half a year's living expenses can be reserved in demand deposits. It can also be placed in a free deposit and withdrawal currency fund (the rate of return on the basis of goods is generally higher than the interest on demand deposits). The most typical cargo base is Yu'e Bao. Many young friends are very accustomed to using Alipay, WeChat and other tools to scan QR codes to pay for living expenses.
2. The second account is an insurance account. This money can prevent a family from breaking down due to illness. Taking a family of three as an example, the combination of life insurance critical illness insurance and accident insurance can be set for each person. Family income is mainly derived from one of the spouses, which can increase the weight of insurance purchases for him/her. The investment in general insurance accounts mostly does not exceed 20% of household income.
3. The third account is the long-term preservation account, which is the money used to support the education of the children in the next ten years and the money for the self-care for the next thirty years. Generally accounts for 40% of household assets. It is recommended to choose hedged assets, seek stability first, hold for a long time, and wait for the flowers to bloom.
4. The fourth account is an investment income account, which is commonly referred to as an account where money generates money. After the above three accounts are settled, we can pay attention to some value-added assets with a sense of security. For example, the purchase of equity funds can help families grow wealth and stimulate investment. Of course, every fund will be raised from the perspective of investor adaptability.Match the fund risk with the investor's risk appetite through a questionnaire. Most of the “safety first” crabs will still be recommended to buy debt-based and value-style investment funds with strong retracements.
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