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Data:2009-12-12 2:34
Financial management as an essential way of life, throughout the family life. Therefore, families need the scientific and comprehensive financial plan. Rational planning themselves and their families at all stages of the financial constitution, need to develop the following six plans and concrete action.
Consumer Program
Decided to finance ago, objectively expected of themselves and family for one year's major spending that can help you be more reasonable to plan their financial goals. Based on the balance sheet, annual income and expenditure schedules, and so a series of plans and budgets can be targeted better to guide financial management.
Debt Program
Almost all modern liabilities held firmly to the negative attitude, it is wrong understanding. Because almost no one can avoid the debt, the debt will not only help us to a balanced life spending, but also brings the convenience of an emergency, reasonable debt make financial portfolio optimization. However, the debt must be strictly managed so that it controlled at an appropriate level, and the cost of debt should be reduced as much as possible, and also formulate a plan and a reasonable debt repayment plan.
Insurance
There are many uncertainties in life, so we need to use some sort of protection for themselves and their families means to put up an umbrella, so we need a comprehensive insurance scheme. To formulate a reasonable and comprehensive insurance scheme, need to follow three principles:
1. To determine the amount of purchase only within the insurance, the amount of the monthly insurance GDP better than 8% of monthly income.
2. Different insurance covers for different stages of the family at different times, the need for insurance is different.
3. According to the occupational characteristics of the family to purchase insurance fit.
Investment Plan
An economically-minded families, should not only meet the general sense of the word "food fed warm clothes" When the hand of the principal amount of the existing fairly abundant, it should look for an investment portfolio, the profitability, safety, two were together, so that "money begets money." Investment vehicles currently on the market range from simple bank savings into the most speculative futures. A successful investor, based on the family's financial condition, etc. properly choose.
Income Plan
Personal Income Tax and the increasingly close association of people's lives. In the legal basis, we can by adjusting the financial measures to optimize the combination of financial and other means to achieve legitimate "tax avoidance" effect, which will save a little for their own expenses.
Retirement plans
Retirement plans include: post-retirement consumption, other needs and how the case is not working to meet these needs. By simply relying on the Government's social pension insurance, only to meet the general sense of the old-age life. To live in comfort after retirement, independent, on the one hand there is the ability to work when you can accumulate a retirement fund as a supplement, on the other hand can also select the appropriate post-retirement work for their own amateur finding a second pot of money.
