The poor are poor, the rich are rich

Chapter 59 3 Single Petty Bourgeoisie—Financial Planning with a Monthly Salary of 5000

Chapter 123 Single petty bourgeoisie—a financial plan with a monthly salary of 5000

If your monthly salary has reached more than 5000 yuan, you may consider the following suggestions.

1.savings.Generally, you arrange your own savings at a rate of 15% per month, that is, you can take out 750 yuan and deposit it in the bank every month.The more adults of marriageable age, the more they should prepare some activity funds for themselves.

2.stocks and funds.This part should be adjusted appropriately.After you have a relatively stable plan, your finances must also become increasingly stable. You should use no more than 40% of them to invest in stocks and funds to reduce relative risks.

3.bond.The proportion of this security investment can be slightly increased to around 25%.Since it is less risky, it doesn't matter if you invest more.

4.Insurance.It can still be 5% at this time.Because your body is still very healthy at this time, and the possibility of sudden illness is relatively small, so you only need an appropriate amount of insurance.

5.Leave your child's education fund.You can save 5% to 10% every month to prepare for the child's development early, so as not to disrupt the order of life when the child arrives.

6.If you still have money left, you may consider investing in real estate.

According to this arrangement, you can save about 3 yuan after 2 years, of which 7% will be deducted and left in the bank (15 yuan), and about 4050 yuan will be used to invest in stocks and funds, and about 1 yuan will be invested in bonds. About 6700 yuan is used as the child's education fund, the insurance is about 2700 yuan, and the remaining is about 1350 yuan.If it is still assumed that the annual return rate of stock and fund investment is 3000%, the annual return rate of bond investment is 10%, and the remaining money is invested in real estate at an annual rate of return of 5%, then it is calculated by compound interest. According to this investment portfolio, after five years you The net worth of is:
Savings (calculated at a regular one-year interest rate, assuming the bank is 4%, excluding interest tax) is about 4698 yuan;
Stock and fund investment is about 16100 yuan;
The bond is about 7591 yuan;
The insurance is 1350 yuan;
The income from investing in real estate is about 4408 yuan;
A total of 34147 yuan.

(End of this chapter)