2. "80" rule

3. The "Double Ten Laws" of Family Insurance

4, the mortgage burden "but three"

5. Diversified investment principle

6. Persistence and regular investment principle

1.Rule of "4321":40% of income can be used for housing loan repayment and other investments, 30% for family living expenses, 20% for bank deposits, to ensure certain liquidity and avoid liquidity risks, and 10% can be used for insurance.

2. "80" rule: the reasonable proportion of stock investment is equal to 80 MINUS your age and then multiplied by 100%. If you are 25 years old now, then the proportion of your stock investment is 55%. This provision is reasonable. As we get older, our investment will be more conservative.

3. "Double Ten Laws" of Family Insurance: Family insurance is an important part of our family financial planning. Accidents will happen. The insured amount of the family should be 65,438+00 times of the annual household income, and the total premium expenditure should not exceed 65,438+00% of the annual household income.

4. The mortgage burden is "no more than three": mortgage is the loan we have to face today. Mortgage is the only low-interest and large-amount loan that ordinary people may come into contact with, but the loan amount should not be too large, which exceeds our burden limit. If the total repayment amount of the mortgage does not exceed 1/3 of the household income, it is appropriate.

5. Diversified investment principle: Don't put eggs in one basket. As a famous saying, it is deeply rooted in people's hearts. When investing in financial management, you should also put your savings into a pyramid-like portfolio to reduce the risk of asset loss.

6. Persistence and regular investment principle: If your investment period is more than ten years, then you should concentrate your assets on venture capital. Because of the investment for ten years, the risks are basically eliminated, and almost all of them can get higher returns.