在當(dāng)今的社會里，濟南代理記賬公司建議每個家庭的理財都應(yīng)遵循以下幾個方面原則。
In today's society, jinan bookkeeping agency company recommends every family financial management should follow the principle of the following aspects.
一、保證應(yīng)付生活的各項支出。
A, assure to cope with life in all kinds of spending.
一般家庭的易變現(xiàn)資產(chǎn)包括現(xiàn)金、銀行存款、較易變現(xiàn)的股票、黃金等。這些款項的總和應(yīng)調(diào)整到足以應(yīng)付4-6個月生活中的各項支出。這樣在面臨任何家庭收入突然中斷出現(xiàn)危機時，仍有較為充裕的時間和資金面對困難。
Average household of liquid assets include cash, bank deposits, relatively easy to liquidate shares, such as gold.The sum total of these payments should be adjusted enough to cope with four to six months of expenses in their lives.So any household income suddenly appeared in the face of the crisis, there is still a relatively plenty of time and money in the face of difficulties.
二、計算“生活風(fēng)險忍受度”，并做好保護措施。
Calculate risk tolerance, "" life, and completes the protective measures.
這里所說的“生活風(fēng)險忍受度”是指如果家庭主要收入者發(fā)生嚴重事故，例如傷、病等，家庭經(jīng)濟生活所能維持的時間長度。在當(dāng)今社會中，為解決“生活風(fēng)險忍受度”所設(shè)計出來的最佳工具就是人身保險。通過全社會來分擔(dān)風(fēng)險的方式，以尋求完整的家庭保證。
Here "life risk tolerance" refers to a serious accident if family main earners, such as injury, disease, etc., the economic life of the family can maintain the length of time.In today's society, in order to solve "life risk tolerance" designed by the best tool is the personal insurance.Through the way of the whole society to share the risk, to find a solution to the whole family.
三、了解理財工具。
Understanding of financial management tools.
家庭生活中的理財工具，絕不僅僅是儲蓄和買賣股票。簡單地說，我們可以將家庭理財所適用的金融投資工具分為下列3類：最為保守的銀行存款;保守而穩(wěn)健成長的“固定收益型”投資工具，包括債券、基金等;有高報酬但也相對較為冒險的投資工具，包括國內(nèi)外證券基金、期貨基金等。
Financial management tool in family life, not just about saving and buying and selling stocks.In simple terms, we can family financial management of the financial investment tools can be divided into the following three categories: the most conservative bank deposits;Conservative and steady growth of "fixed income" investment tools, including bonds, funds, etc.;A high pay but also relatively risky investment tools, including domestic and foreign securities funds, futures, etc.
四、評估未來的財務(wù)需求。
Evaluate financial needs in the future.
家庭理財?shù)拿鞔_目標(biāo)之一是針對未來的家庭財務(wù)需求預(yù)作規(guī)劃，這些未來需求大致包括子女教育費用、購房費用、養(yǎng)老費用3大類。
Family financial management is one of the specific goals for the future of the family financial needs for planning, the future demand roughly include their children's education cost, purchase cost, pension costs 3 kinds big.
以上是濟南代理記賬公司所分享。
Above is the share jinan bookkeeping agency co., LTD.
濟南代理記賬公司：http://www.irmblog.cn