For example, if a family has a deposit of 654.38+00000 yuan, it can be divided into five parts of 2000 yuan, which are treated as follows:
1. Buying government bonds with 2000 yuan is a kind of investment and financial management with high return and insurance. Buy insurance with 2000 yuan. In the past, people's insurance awareness was very weak. In fact, buying insurance is also a good way to invest and manage money, and insurance money is not within the scope of interest tax collection. Especially not long ago, all life insurance companies introduced two types of insurance, adding the clause of "equity conversion", that is, once the bank interest rate rises, customers can switch among the insurance products sold by insurance companies, and get certain preferential policies such as price discount and underwriting exemption from insurance companies.
Buy stocks with 2000 yuan. This is a kind of investment and financial management with the greatest risk. Of course, risks and benefits coexist. As long as the choice is proper, it will bring ideal return on investment and financial management. In addition, there are stocks, futures, investments and financial bonds. All fall into this category. However, participating in this kind of investment and financial management requires corresponding industry knowledge and strong risk awareness.
4. Deposit 2,000 yuan in time deposit, which is a risk-free investment and financial management method, and also a guarantee for future family life.
Deposit a current account with 2000 yuan for emergency use. If the family is in urgent need of money for the time being, a certain amount of current savings account can solve the urgent need and is convenient to access.
The family one-fifth financial management method is a set of successful financial management experience that many people have tried to sum up after many years. Of course, families can use it flexibly according to different situations.