Sailing and sailing is an overall investment and financial planning, and the destination is the financial goal we want to achieve. Waves are inflation, economic cycle and inevitable, and they are also obstacles or propulsion factors for navigation. A sailboat consists of a hull, sails and lifebuoys.
1, and the hull represents the fixed income category.
The hull is the representative of stability and the main body of family fortune. It is mainly used to allocate family expenses for daily life and emergencies. Need to be safe and flexible, usually in cash or cash-like, such as regular savings or money funds based on living expenses for 3-5 years. Short-term wealth management products, such as some low-risk wealth management products of banks.
The hull represents a fixed income category.
The proportion of this hull can't be too big or too small. This is because the proportion is too large, the rate of return is difficult to guarantee, the speed of family property appreciation is too slow, and the hull is too small to withstand the wind and waves, which is easy to be overturned by the wind and waves, causing losses.
2.Sail stands for the allocation of equity assets.
Sail is the accelerator of the ship, and sailing against the wind is bound to accelerate. Therefore, Sail represents the allocation of high-yield equity assets, and its main function is to quickly realize the appreciation of family assets. Therefore, they are basically relatively high-risk and high-yield investment methods, such as well-known stocks, index funds, equity funds, foreign exchange, and private financing. Usually use spare money to invest in this part, so that family assets can grow at a high speed, even if there is a loss, it will not affect the normality of yourself and your family.
Sails are accelerators.
3. Life buoy represents safety assets.
As we all know, the role of lifebuoys is to save lives. All sailboats must be equipped with lifebuoys. In sailing, no lifebuoy means insecurity, and there is nothing to guarantee the lives of people on board at critical moments. Therefore, this part of the lifebuoy is particularly important to deal with sudden personal or property accidents. Usually, the allocation ratio is 65,438+00% of the annual income, and the guaranteed products with an annual household income of 65,438+00 times are purchased.
Life buoy is a kind of insurance.
Security assets are usually divided into two types:
1)? personal insurance
Life insurance, critical illness insurance, medical insurance, accident insurance, etc. all belong to personal insurance, which is the guarantee for personnel.
2)? property insurance
Residential insurance, automobile insurance, enterprise insurance, property insurance, etc. All belong to property insurance, which is the protection of personal and family property. Property insurance is an indispensable guarantee to deal with natural and man-made disasters.
The above is the explanation of the support demand represented by various parts of the hull according to the theory of the rich ship, hoping to help friends who want to know.