In the face of the dilemma of family asset management and financial management that middle-class families generally can't find a relatively stable income, how does the financial Rubik's Cube do?

In recent years, middle-class families have indeed encountered many difficulties in the process of family asset management and financial management. Let's analyze how to break through the difficulties.

First of all, let's analyze the economic difficulties of middle-class families.

Middle-class families are generally under great pressure. The pressure generally comes from the slowdown in income growth and the increase in pension pressure. Most financial assets can't outrun inflation, and middle-class families are squeezed at both ends. But the original financial management model has not effectively solved the asset anxiety of middle-class families.

Next, let's talk about why the original financial management model failed to effectively solve the anxiety of the middle class. In my analysis, there are five main reasons: first, the rate of return on fixed-income assets continues to decline; Second, non-standard products such as trust and P2P have repeatedly fallen into turmoil, and bond defaults have increased year by year; Third, the golden age of real estate investment in China has ended; Fourth, it is difficult to invest in stocks and funds and make money; Fifth, the price of investment products such as equity funds fluctuates greatly, which leads to fear of investing too much money.

How to solve the financial dilemma?

I think the first step before financial management is to "clarify one's family background" and the second step is to "redistribute the property structure according to the expenditure ratio formula". First of all, define the property and income, define the family's existing property and expected future income, and define the amount and proportion of assets in different intervals according to risks and liquidity; Then "living within our means" redistributes the property structure according to the use of funds, possible expenditure amount and expenditure ratio formula.

Daily consumption expenditure is relatively easy to allocate, but at present, the majority of middle-class families generally have a headache about how to allocate family assets and make better investment and financial management. From the above analysis, we can see that the original financial management model can not effectively solve the anxiety of the middle class. Many people can't really invest in assets effectively according to risk and liquidity, and they don't know how to choose the appropriate financial management methods for different types of assets.

Compared with stocks with higher investment risks and lower investment returns, banks with general risks but lower returns manage their finances at present; Personally, I am more optimistic about the relatively safe investment in Public Offering of Fund. In the fund category, although the income of Public Offering of Fund is lower than that of private placement, the investment threshold is lower and the risk is lower. In fund investment, individual investors need to have certain investment knowledge and spend a lot of time and energy to study and choose suitable funds; I prefer to choose a fund portfolio, which requires in-depth research on the bottom and long-term schedule of each fund when allocating funds. I found that the fund portfolio provided by the Financial Rubik's Cube is a great investment channel. Financial Rubik's Cube is a financial technology enterprise that provides standardized asset management services for middle-class retail customers and institutions based on artificial intelligence and big data technology. Service organizations that focus on asset allocation of middle-income families take standardized assets as their financial management goal, use big data and artificial intelligence technology, and adopt advanced AI financial management model and proactive all-weather monitoring strategy according to investors' risk tolerance level, expected income target and users' actual risk tolerance, so as to provide customers with risk returns higher than the market average level on the basis of customizing customers' risk tolerance, and provide accompanying services throughout the investment life cycle.

Financial Rubik's Cube pioneered 3C investment service standards in the industry. First, firmly stand in the customer's position, that is, adhere to the concept of asset allocation based on risk control, provide customers with wealth management services of the same quality as high-net-worth people, and always take the customer's optimal profit probability as the goal orientation. Second, through personalized customization, we can respond to users' risk tolerance, investment period and amount of funds in time, and provide customized services for thousands of people. The third is to provide accompanying services for users, that is, the service response that accompanies the whole life cycle of customers' investment, helping customers to continuously understand the nature of finance and rationally and objectively respond to market changes.

I have the impression that at the Shenzhen Financial Thought Salon last year, Mr. Ma Yongan, the chief financial expert of the Financial Rubik's Cube, shared a theme in which he introduced how the Financial Rubik's Cube took measures to deal with the financial difficulties of middle-class families. Interested parties can have a look. But Baidu knows more.