The poor are poor, the rich are rich

Chapter 60 4 Upstart Singles—Financial Planning with a Monthly Salary of 10000 Yuan
Chapter 124 Upstart Singles——A financial plan with a monthly salary of 10000 yuan
Among the same financial managers, if you can achieve a monthly salary of 10000 yuan, your annual salary will be 120000 yuan. You should be regarded as an upstart in financial management, and you can also be regarded as a leader in the "Ben Ben Clan".You have a relatively large amount of capital, you can try more venture capital, if you are risk averse, you can invest more in government bonds.

Miss Chen is the deputy general manager of a company, and her monthly salary is about 1 yuan.Since she is single, she has relatively sufficient funds.In order to have her own working capital as soon as possible, she deposits about 20% of her monthly money in the bank, and manages the rest by herself. After one year, she has 24000 yuan.She divides the money into the following categories:

1.Buying stocks: about 6000 yuan.Because she feels that although stock investment is risky, the benefits coexist with it. As long as she seizes the right time and chooses the right type, she can bring a high return on investment.She thought, since she is single, she has a greater ability to bear risks, so she doesn't have to worry too much.

2.Buy insurance: about 2000 yuan.Generally, young people of her age have a superficial understanding of insurance, but she believes that insurance is very important for the safety of herself and her wealth.Furthermore, buying insurance can also be seen as a safer investment method.According to the country's tax regulations, insurance compensation is not subject to personal income tax, and relatively speaking, it can enjoy some preferential treatment.

3.Buy bonds: about 3000 yuan.In her eyes, national debt has almost no risk and good returns.I'm not too fond of venture capital, and I don't want to invest too much money in the stock market, but it's a waste to deposit it in the bank.It is just right to invest this money in bonds.

4.Fixed deposit: about 5000 yuan.She felt that although she had a lot of income and accumulated a lot, she also needed to have fixed capital, so she chose time deposits.Through calculations, she found that the short-term interest rate was low, and she feared that the capital activities would be restricted in the long-term, while the interest rate of the medium-term fixed deposit was more suitable and could meet her own needs, so she deposited part of the funds in fixed deposit.

5.Current deposit: about 5000 yuan.Her income is high, but she also spends a lot on social activities, so she reserves the 5000 yuan for her own activities.In case of an emergency, it can solve the urgent need, and the access is very convenient, and the problem can be solved in time.

6.Remaining funds: about 3000 yuan.She wants to invest in herself.I want to buy some career-related books and receive some new training.In addition, she also wants to get a certified public accountant certificate to facilitate her future management work.The 3000 yuan came in handy.

Referring to her case, our investment advice to you is:

1.stock fund investment

Since your capital is relatively sufficient, you can give priority to venture capital and use 30% to 40% of your savings for venture capital.Here Ms. Chen chooses stocks. Of course, you can also choose other investment products such as funds.

2.Insurance

According to your personal situation, put in about 10% of the funds.This is a life guarantee that is indispensable at all stages of life, so it must be fixed.

3.bond
If you are risk-averse like Ms. Chen, you can try to buy more bonds. The return is higher than savings, and the risk is small. You can invest about 15% of your funds.

4.deposit savings

Deposits are the cornerstone of your "wealth tower". You must know that many rich people start with a little savings before they start their own careers.For your "money career", you must have appropriate deposits and savings, which can account for about 20% to 40% of your funds, depending on your personal situation.

5.invest in other

Like Ms. Chen, you can invest in yourself to further improve your ability, and you can also invest in real estate, gold and other markets. In short, let the idle money flow so that you can get more income.

(End of this chapter)