Category: Money Tips Date: 2006-12-02
In 2006, I was taking a rather strange year
In 2006, I was taking a rather strange year, because there are many things beyond my expectation, in the family financial management, I am also going through a lot of psychological changes, from start moving many times, but eventually the investment two-thirds on the basis of the principle of not done too much change. And therefore can not be considered successful or unsuccessful.
First, earlier this year, because of hand, have some savings, about less than 80,000 yuan cost, you are inside the bank. Thought, according to financial experts and ordinary people's suggestion that we should be tripartite system of financial management principles, one third of the savings, one third of the high-risk high-yield investment products, as well as one-third for insurance and children's education in reserves.
According to the principles of the distribution system of 33
In accordance with this principle, I do a bit division of 80,000 yuan. 30000 records of bank, 30000 buy education savings and the purchase of commercial insurance also has to buy 100 grams of gold bars, 20000 to buy a fund, when the Han did not understand, she bought a cast of Morgan on the edge of what China Fund. See, I was still quite conservative, most of the basic, or save up
30000 deposit inside, there were 1 million are in demand, and 20000 is a one-year regular. 30000 inside the other in order to keep the name of the child's education savings of 2 million, there are 10000 kids have bought copies of universal insurance, but also with immunity function, that is, if I was hurt, the insurance costs from the insurance companies out until the child 22 years old, a year 10000. There are serious diseases and additional accident insurance. 20000 to buy open-end equity funds are said to risky, it may lose everything. But according to financial management principles, I Xiangdubuxiang bought.
How the stock market bull run
By mid-year when the stock market bull market, many people began to buy shares, the Fund. At that time the fund value to buy a very powerful, my goal is 5% of the proceeds can be, when 40 percent faster, and I really wanted to redeem earned run. However, the latter a look at some financial articles, said that after the situation will get better and better, there is no willing to redeem. If I have nothing to redeem the place to invest ah.
And then to see the income of the Fund so well, my heart moved. Was moving off to take out of savings and education, buy a fund to downtown. However, after thinking it over, or fear of risk, and finally did not move. Only the subsequent increase in demand to buy the fund 20000, of course, that time, the fund has been very hot for.
Now think about it, if really have to buy a fund, income is really great, one year more than doubled to A, so sometimes I will come out of the greedy at once so I regret it, but then think about it, anyway, that money is not earned finished, the case if a loss out? Still afflicted by terrible adhere to three principles of investment in bar
Therefore, a total investment down the settlement, deposit proceeds of about 2%, the Fund's returns average 70%, gold is very strange this year, actually 30% of the proceeds. Insurance provides is protection, there is no return. The overall average, 100,000 assets, rate of return is: 24%. Such a high rate of return is much higher than my target of 5% in early. This is mainly due to the reasons for the high income of the Fund. Next year is definitely not so good things
2007, to earn to buy a new fund
I am prepared to put funds are redeemed to earn this year to buy a new fund, coupled with a part of this year's new savings, but also want to have 5% of the proceeds. We also have some additional savings, insurance, or to maintain the original share. If the assets are a few more, you may consider further买一套房å? the fund would be able to get out, make an inventory of assets, to fight inflation, and increasing the value of assets to achieve.
In addition, I think I also have a certain degree of consumption in 2006, I purchased a digital camera I like to travel overseas several times, also with the whole family went to a few more luxurious bathing pleasure center, as well as around Beijing some of the good spots and parks. Think that money is worth in these areas feel very happy. Feeling that money is still Well, you can enjoy life. Oh, La-ri rebuff finished, 2007 is coming, let us work together more money and lead a happy life bar. (Send
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