Nowadays, families are all only children, and every parent wants their children to have a bright future, a happy life and education first, so it is particularly important to accumulate family education funds. The characteristics of family education fund are long-term, spanning more than 20 years, among which, according to the different stages of children's schooling, it presents different expenditure characteristics. In the first six years, it was mainly accumulation and small expenditure, and then the expenditure in the compulsory education stage increased steadily in the next nine years. After that, the expenditure of high school reached a new level, and the expenditure of university reached its peak in the last four years.
Generally speaking, long-term funds can be allocated in high-risk areas, such as stocks and funds. Funds that may need to be used in the near future generally require strong liquidity and are suitable for allocation in low-risk areas such as money market funds and bank deposits. However, as a family education fund, although it is essentially a long-term investment, due to its rigid expenditure and steady growth, we still can't regard it as a high-risk investment, so even if it is a long-term investment, the proportion of risky assets should be properly controlled. It is suggested that the proportion of the highest risk assets in the initial stage should be controlled at around 70%. As time goes by, children's risk assets will be reduced by 65,438+00% when they go to primary school six years later, by 20% in primary school five years later, by 20% in junior high school three years later, and by 65,438+00% in senior high school three years to cope with university study.
High-risk assets include stocks, equity funds, ETF funds, and high-risk parts of graded funds. Low-risk assets include bank deposits, bank fixed-income wealth management products, secondary debt base, bonds, money market funds and other products. The allocation ratio mentioned above is not static. When allocating assets, we should not only grasp the time schedule, but also change with time. For example, when the market is very depressed, we should substantially reduce our high-risk assets and do a good job of wealth protection to the maximum extent, so as to leave the power to take the initiative when the market picks up. When choosing a specific fund for fixed investment, investment for 20 years is not static. Unless you find a fund worth holding for 20 years, which is too demanding for the existing domestic fund market, it is more appropriate to lock in the income after each fund increases by more than 20%, and then choose other funds for reinvestment, otherwise it may be swept away by the fund's performance like riding a roller coaster. Bank of Beijing
Five steps to buy insurance
I want to buy insurance, but I don't know where to start. Miss fu
The correct insurance process is as follows:
Generally speaking, insurance mainly provides protection. If you plan to invest to make money, please don't choose to buy insurance. Because the money you pay is called premium, not the principal of the investment.
Second, estimate the ability to pay the premium (how much and how long)
The purpose of buying insurance is to prevent and reduce the economic losses brought to yourself and your family by uncertain events in the future. If the premium you pay now is too heavy, it is likely to increase your living burden now. If you can't fulfill your obligation to pay the premium during the payment period, the result is that the insurance will not be covered (the insurance liability will be suspended after the 60-day grace period) and the paid premium cannot be fully returned. Too little payment, either insufficient protection or incomplete protection, can not prevent problems and transfer risks.
Insurance is a contract, and all the benefits and obligations of insurance are stipulated in the contract, so the product is more important than the company. If you don't pay attention to the product but only to the company and the agent, you may not get compensation if something goes wrong. The premise of obtaining compensation is that you have purchased the insurance products of the company and obtained the payment conditions. The reason for your claim is just an advertisement. If you believe it, you will regret it for the rest of your life.
For example, accident insurance, the insured is not accidental medical treatment, and you have to pay for it yourself if you are injured.
Fourth, understand the specific insurance products.
The carrier of insurance products is an insurance contract composed of insurance contract terms. Generally speaking, the plan or product introduction only has benefits or benefits demonstration. If you don't pay attention to the terms of the contract but trust the scheme or agency, it is very likely that your rights and interests will be damaged.
If you still don't understand and are not interested in the above contents, then you can only find an agent to tell him your situation and let him help you complete the acceptance.
This is an era of detailed division of labor. Entrusting professional things to professional people and then accepting them according to your standards can save your time and energy, and you may make more achievements in your own industry. Xincheng China life
Old shareholders become old lottery players.
Recently, I heard that logging in to the online banking welfare lottery betting service platform can bet lottery tickets anytime and anywhere like stock trading. Is it true?/You don't say. Mr. Li
Yincaitong system is a financial platform provided by banks for individual lottery players to purchase welfare lottery tickets through self-service payment methods such as telephone banking, online banking and Alipay.
Users of China Merchants Bank, Bank of Communications, Agricultural Bank and China Construction Bank have opened the functions of online banking and banking. After recharging through online banking or Alipay, they can use the Yincaitong account to buy lottery tickets.
Shanghai Pudong Development Bank