A Small Family Can Shake Qian Shu.

no matter

1. family idle 100 thousand to 200 thousand yuan

The most important choice is to maintain sound financial management.

If we have more than 100 thousand yuan of spare money, how can we manage it in order to preserve and increase the value of wealth in order to achieve our future life goals? Financial advisers recommend the first choice of fund investment varieties, the most important is prudent investment, conservative investors should choose low risk varieties, steady investors choose alternative funds, and radical investors can properly configure equity funds.

For investors with low risk tolerance, especially for the elderly, more conservative financial management should be adopted.

A portfolio of 100 thousand yuan should take full account of investment risks. Investment returns should be placed in the second place. It is best to choose the lowest risk and the most stable financial management mode, and the time limit should be elongated to reduce risks.

Treasury bonds, bond funds and negotiable renminbi financial products are not very high, but the risks are low, and they can be allocated in a key way.

"After the Spring Festival, the central bank carried out the first rate hike in 2011 and looked forward to the future. As inflation expectations are strong, interest rates are expected to increase in the first half of this year.

Therefore, for 100 thousand yuan conservative financial management, we can temporarily choose a shorter period of financial products, wait until the interest rate is temporarily delayed, and choose the longer term financial products, so as to effectively lock the benefits of interest rate increase.

Qi Yue, a financial advisor of China Construction Bank, said that in the second half of this year, it would be a good time to buy treasury bonds and bills like financial products.

For three families with a slightly stronger risk tolerance, some low risk varieties can be selected for investment, but risk control should also be paid attention to.

Qi Yue, a financial manager of China Construction Bank, told reporters that a robust investor can choose a relatively high equity fund to invest, and then take some of the products such as funds and insurance.

"For 100 thousand yuan of prudent financial management, investors can set aside 5000 yuan as a daily emergency reserve fund. According to the monthly savings, a portion of the funds will be selected to select stock funds and index funds to fund the investment.

The balance can be invested in proportion: Equity Fund 30%, mixed fund 40%, bond fund 30%.

For young people who have 100 thousand yuan of spare cash, because their investment risk tolerance is stronger, financial planners believe that they can choose more active investment methods and allocate more equity funds.

In addition to earmarked 5000 yuan as a daily emergency reserve fund, young people can choose a more active equity fund on a regular basis according to their monthly savings.

The balance can give priority to the selection of high risk investment types: Equity Fund 60%, mixed fund 40%.

2. family idle 200 thousand to 500 thousand yuan

Diversify investment and achieve wealth preservation and appreciation

Compared to the average wage earners, 200 thousand yuan is a relatively large number, 200 thousand yuan can pay a flat down payment, can buy a decent car, but how to manage 200 thousand yuan of spare cash, in order to "money to generate money" to make life better?

Conservative investors should be prepared for retirement.

For the elderly, when they have 200 thousand yuan of spare cash, household expenses will be reduced obviously, especially when their children become adults. They will be able to live independently. The demand for funds is not so great in the future. At this time, conservative investment should be considered.

Bank of China's financial planner believes that pension accumulation is the primary task at this stage. Elderly financial management should start from the overall stability and invest in treasury bonds, bond funds and money based funds on the basis of partial insurance.

The elderly can choose products with a longer investment period, such as 5 year treasury bonds.

At the same time, monthly household income surplus can buy pure debt fund products with low risk.

Prudent investors need to plan carefully.

For middle-aged couples, taking into account the future of children's education, housing and other issues, the 200 thousand yuan deposit more stable investment, need to carry out a detailed planning.

First of all, 100 thousand yuan can be invested in monetary or bond funds. This part of the investment has strong cash performance, which can meet the purchase cost of housing or children's education, and the other 100 thousand yuan can be invested in equity funds. It should be noted that some of the funds can be purchased insurance, so as to ensure the stability of the couple's life.

Aggressive investors should focus on the pursuit of wealth and high growth.

For young people, although the 200 thousand yuan deposit is not small, it is not much. For young people with strong risk tolerance, it is the primary intention of this time to increase their original accumulation rapidly.

Financial planners suggest that in addition to a small amount of insurance allocation, 200 thousand yuan can buy stocks, if there is no time or no ability to operate stocks, you can buy partial equity funds.