In family financial management, the husband and wife strive to maintain and increase the value of their funds while reasonably increasing income and reducing expenditure. Financial management and investment seem to be dealing with money, but in fact it is not a simple thing. The family assets are well managed and life is thriving, while the assets are poorly managed and fewer and fewer. In the family financial management, how to do in the volatile market, manage the assets in hand?
The core purpose of financial investment is to make money to increase income, some people are to let the assets in the hands of inflation, some people are to be able to make life easier, some people are in order to realize the dream of financial freedom as soon as possible. Going to work from dawn to dusk these days will make you feel it is very difficult to make money. When you are middle-aged, you cannot help it. Obviously you are tired, but you have to go to work with a sick body to live a good life.
Family financial management involves the preservation and appreciation of value. Investors’ expectations for the future vary, so the income they will get will vary. Riding the bull to watch the bear reminds investors that in financial markets: “Risk and return are proportional!” If investors want to realize the goal of wealth appreciation, they may involve financial products with medium and high risks. The annual return rate of 20% is not a problem if they do well, and it is common to lose 20% in a few months if they do poorly.
From the beginning of the year of the ox, the A-share market all the way down, the market fell hundreds of points, the two city stocks can not be alone, in such A market environment, some stock funds have also appeared A relatively large pullback, many investors feel this market can be said to be in pain, do not know what to do! Don’t get confused by the fact that “bull” is not the same as “bull”, so it is understandable to see a pullback after a big rally in the past year!
Some families took years of savings to participate in the recent hot fund products, the result in less than a month, the loss of nearly 20%, how many people can bear this situation? Loss in financial management and investment can easily cause family disharmony, and also cause quarrel between husband and wife. In reality, loss is much easier than making money. Therefore, both husband and wife must make it clear with each other before financial management, share the joy after making money, and face the loss more rationally.
Investors want to change their living environment through family financial management. They should use a diversified financial management method and never invest all their funds in a certain kind of financial products. The recent market has a big pullback, if investors only part of the funds involved in stock funds and stocks, and part of the funds involved in money funds, bonds, Treasury bonds and other solid income financial products, you can carry out the appropriate position operation, so doing is the right way to invest.
Financial management and investment must evaluate the investment risk of the market, do not appear in their losses after the analysis, should be in the investment before thinking well. Investors should always maintain a rainy day mentality, only in this way to ensure the safety of the principal at the same time to ride the wind and waves, for the recent losses should have a medium – and long-term investment philosophy, do not only pay attention to the immediate gains and losses, there is no only falling market, to have a long-term financial investment planning!