家庭理财五大指标指标一:流动性比率不应过高公式:流动性比率=流动性资产/每月支出流动性资产是指在急用情况下,能迅速变现而不会带来损失的资产,比如现金、活期存款、货币基金等,该比例用来权衡你的家庭财务状态以及变现能力。应尽量避免流动性比率过高现象,如果家庭收入稳定,该比率为3即可;如果家庭收入不稳定,则该比率应在6-8之间。 Five indicators of family finance Index 1: liquidity ratio should not be too high Formula: liquidity ratio = liquid assets / monthly expenditure liquid assets refers to the rapid use of emergency situations, can be realized quickly without loss of assets, such as Cash, demand deposits, Monetary Fund, etc. This ratio is used to weigh your family’s financial status and liquidity. The excess liquidity ratio should be avoided as far as possible. If the household income is stable, the ratio is 3; if the family income is not stable, the ratio should be between 6-8.