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家庭理财品种的选择、风险的控制和比例的分配是制定有效理财组合的三大关键,家庭理财组合应是这三个方面的有机组合。由于年龄、家庭年收入、学历与居民的投资行为密切相关,以下提出针对不同年龄、不同家庭年收入以及不同学历居民家庭的理财目标的五种理财组合模式供家庭理财时参考。1、低风险稳定收益组合模式:储蓄+保险+债券。适合年龄在25岁以下,年收入在5万元以下,学历不高的居民家庭。此类居民家庭虽有很强的冒险精神,但
The choice of family financial products, risk control and the proportion of the allocation of effective management of the three key elements of the portfolio, family financial portfolio should be the organic combination of these three areas. Due to age, family annual income, education and residents are closely related to investment behavior, the following proposed for different ages, different family annual income and financial goals of different family members of the financial management model for family financial management reference. 1, low-risk and stable return portfolio mode: savings + insurance + bonds. Suitable for people under 25 years of age, annual income of 50,000 yuan, less educated residents. Although such a strong family residents have the adventurous spirit, however