What is the first choice for family financial management?

Family financial management is an economic activity to manage one's own wealth, thereby improving the efficiency of wealth. There are many ways to invest in family financial management: savings, bonds, stocks, funds, real estate, foreign exchange, antiques, calligraphy and painting, insurance, lottery tickets, funds, coins, stamps, jewelry and so on.

Generally speaking, a complete family financial planning includes eight aspects:

1. Career planning. Choosing a career should first correctly evaluate your personality, ability, hobbies and outlook on life, then collect a lot of information about job opportunities, recruitment conditions and so on, and finally determine the work goal and the plan to achieve this goal;

2. Consumption and savings plan. It is necessary to decide how much of a year's income is used for current consumption and how much is used for savings. The tasks related to this plan are to prepare the balance sheet, annual income and expenditure statement and budget statement;

3. Debt plan. Debt must be managed to control it at an appropriate level and the cost of debt should be reduced as much as possible;

4. Insurance plan. With the success of our business, we have more and more fixed assets and need property insurance and personal credit insurance. Life insurance is needed for children to live happily after they leave. More importantly, in order to cope with diseases and other accidental injuries, medical insurance is needed, because hospitalization expenses may sweep away savings;

5. Investment plan. When savings are increasing day by day, the most urgent thing is to find a portfolio that can combine profitability, safety and liquidity;

6. Retirement plan. Retirement plans mainly include consumption and other needs after retirement and how to meet these needs without working. It is not enough to rely solely on social endowment insurance, and a retirement fund must be accumulated as a supplement when you have the ability to work;

7. Heritage plan. The main purpose of the estate plan is to make people pay the lowest tax when they leave their property to their heirs, such as giving part of their property as a gift in advance;

8. Income tax plan. Personal income tax is the government's sharing of personal success. On the legal basis, it can achieve ideal results by adjusting its own behavior.

if there is investment demand, Ping An Bank has launched a variety of wealth management products to meet the needs of investors. The expected income, investment direction and risks of different wealth management products will be different, and they can be divided into guaranteed wealth management and non-guaranteed wealth management according to whether the capital is guaranteed or not. You can log in to Ping An Pocket Bank APP- Home-Financial Management to find out and try to buy.

Tips: It is recommended that you know the basic information of financial products, such as capital investment direction and risk type, before buying, and decide to buy financial products that match your risk tolerance and asset management needs.

response time: 221-12-2. Please refer to the latest business changes announced by Ping An Bank in official website.