The poor are poor, the rich are rich

Chapter 58 2 Single Commoner——Financial Planning with a Monthly Salary of 3000 Yuan
Chapter 122 Single civilians——A financial plan with a monthly salary of 3000 yuan
How should single wage earners manage their money well?Let's take a monthly salary of 3000 yuan as an example to make a plan for you.

Part one, savings.If you already have little savings, then arrange your own savings at a rate of 15% per month, that is, you can take out 450 yuan and deposit it in the bank every month.But if you have just started working, you need to accumulate some capital, so you should deposit 25% to 30% (that is, the amount of 750 to 900 yuan) in the bank, so as to quickly lay the foundation for your wealth accumulation.On the basis of your small savings, you can make further considerations only after you keep 15% of your savings as savings.

The second part, stocks and funds.When you have a certain amount of capital on hand, you can try to use about 40% to 60% of it to invest in stocks and funds.For example, if 450 yuan is deducted every month, it will be 5400 yuan for one year, and 21600 yuan for four years.If you start investing at this time, you can use assets ranging from 8640 yuan to 12960 yuan.Although there are relatively high risks, since you are single, you have nothing to worry about, so you can boldly try venture capital within your controllable range.

The third part, bonds.Bonds are a relatively safe investment, and their returns are higher than those of banks. They are both safe and profitable, and they are also a project favored by many investors.Its proportion can not be too large, with about 20% investment.If, as shown above, you start buying bonds from the fourth year, you will use 4320 yuan.

The fourth part, insurance.This is a required option and should be counted as early as possible.It is best to get an accident insurance for yourself within two years of working.The ratio of general insurance can be slightly less, which is 5%. If the insurance is started after four years of accumulation, it will be 1080 yuan.

Part V, Miscellaneous.Such as real estate, shops, etc., these can be slightly adjusted according to individual circumstances.

According to the above arrangement, with the accumulated savings of 450 yuan per month, after four years, there will be 21600 yuan.Then deduct 15% of it and keep it in the bank (that is, 3240 yuan). The stock and fund investment can be planned to be 10000 yuan. If you invest 4320 yuan in bonds and 1080 yuan in insurance, you will still have a net balance of 2960 yuan.

Assuming that the annual return rate of stock and fund investment is 10%, the annual return rate of bond investment is 5%, and the remaining 2960 yuan is invested in real estate with an annual return rate of 8%, then it is calculated by compound interest. According to this investment portfolio, after five years, your Net worth is:
Savings (calculated at a regular one-year interest rate, assuming the bank is 4%, excluding interest tax) is about 3768 yuan;
Stock and fund investment is about 16100 yuan;
The bond is about 5512 yuan;
The insurance is 1080 yuan;
The net remaining asset investment income is about 4349 yuan;
A total of 29809 yuan.

Coupled with the savings you have accumulated in the next five years and the income from reinvestment, your assets can increase by tens of thousands of yuan.Of course, if you save more when you start accumulating, your assets will grow faster.On the contrary, if you just keep your money in the bank for the past five years, you will be tens of thousands different from others.

(End of this chapter)