How To Manage Financial Battles

He and his wife earn 10 thousand yuan a month, and he father has a monthly pension of more than 2000 yuan. The family has a total cost of about 40 thousand a year. There is no debt at home, and the children are in primary school. In this context, how can we manage money when there are old families and small families? You can fight a hundred battles with no danger of defeat "What?

According to reports, Mr. Ho, 36 years old, two husband and wife two yuan monthly income of 10 thousand yuan, no debt at home, children in primary school, the family's total annual expenditure of about 40 thousand, Ho's father's monthly pension of more than 2000 yuan.

Financial experts analysis: there are old and small families should have investment principles to restrain themselves. Investment behavior The fund is a good choice. In practice, we should avoid frequent purchase and redemption, so as not to increase transaction costs.

　 Children: paternity investment

JP Morgan, a financial expert, points out that modern families need to spend a lot of time and effort in training a child to grow up. At the same time, they will also spend a lot of money. Adopt " Parent-child investment "It is a wise move to plan the cost of children's growth reasonably. The time of "parent child investment" is sooner rather than later. Taking the Shanghai Composite Index from January 1993 to December 2007, the actual rate of return is calculated. If parents start to invest from the age of 3, they only need to spend 258 yuan a month. When they are 18 years old, when they graduate from high school, they will be able to prepare 200 thousand yuan for studying abroad.

　 Husband and wife: index funds

Index funds are suitable for middle aged people to make long-term investments. Wells Fargo Fund said that the biggest beneficiary of the index fund market rebound. Galaxy securities data show that as of April 8th, index funds increased by an average of 7.02% this year, beating the standard equity fund -0.45% level of earnings. Among them, the central bank's bonus index rose 10.50%, the CSI dividend index rose by 8.3%., the rich and the Shanghai and Shenzhen 300 index funds rose 9.88%, while the Shanghai and Shenzhen index increased by only 7.2% during the same period, ranking the first in the index funds of 19 CSI and 300.

　　 Elderly: consumer service industry Equity Fund

The investment characteristics of the elderly should be steady and easy to understand. Guotai Junan believes that the consumption structure of Chinese urban residents has begun to move towards Service consumption The shift in spending has led to a sharp increase in consumption in entertainment services, health care and health services. At present, there are 12 consumer thematic funds in China. It is recommended to pay attention to the issue of ICBC Credit Suisse consumer service industry equity fund, which is explicitly invested in four sectors, such as the daily consumption industry, the optional consumer industry, health care and finance.