How Can A Family Invest In Idle Money? Let Small Money Change "Shake Qian Shu".

No matter bull or bear market, Investment It's a constant topic. At present, although the rapid rise in housing prices makes the value of real estate investment smaller, Financial market Dazzling investment varieties can still meet the financial needs of people's wealth and steady growth. For this reason, this newspaper specially invited CCB, Bank of China, ABC and other senior financial planners to recommend 100 thousand yuan, 200 thousand yuan, 500 thousand yuan and 1 million yuan for family investment proposals for families with different capital size, so as to help the public do well in planning for the steady growth of wealth in the year of the rabbit.

　 1. family idle 100 thousand to 200 thousand yuan

The most important choice is to maintain sound financial management.

If we have more than 100 thousand yuan of spare money, how can we manage it in order to preserve and increase the value of wealth in order to achieve our future life goals? Financial advisers recommend the first choice of fund investment varieties, the most important is prudent investment, conservative investors should choose low risk varieties, steady investors choose alternative funds, and radical investors can properly configure equity funds.

For investors with low risk tolerance, especially for the elderly, more should be taken. Conservative financial management 。 A portfolio of 100 thousand yuan should take full account of investment risks. Investment returns should be placed in the second place. It is best to choose the lowest risk and the most stable financial management mode, and the time limit should be elongated to reduce risks. Treasury bonds, bond funds and negotiable renminbi financial products are not very high, but the risks are low, and they can be allocated in a key way. "After the Spring Festival, the central bank carried out the first rate hike in 2011 and looked forward to the future. As inflation expectations are strong, interest rates are expected to increase in the first half of this year. Therefore, for 100 thousand yuan conservative financial management, we can temporarily choose a shorter period of financial products, wait until the interest rate is temporarily delayed, and choose the longer term financial products, so as to effectively lock the benefits of interest rate increase. Qi Yue, a financial advisor of China Construction Bank, said that in the second half of this year, it would be a good time to buy treasury bonds and bills like financial products.

For three families with a slightly stronger risk tolerance, some low risk varieties can be selected for investment, but risk control should also be paid attention to. Qi Yue, a financial manager of China Construction Bank, told reporters that a robust investor can choose a relatively high equity fund to invest, and then take some of the products such as funds and insurance. "For 100 thousand yuan of prudent financial management, investors can set aside 5000 yuan as a daily emergency reserve fund. According to the monthly savings, a portion of the funds will be selected to select stock funds and index funds to fund the investment. The balance can be invested in proportion: Equity Fund 30%, mixed fund 40%, bond fund 30%.

For young people who have 100 thousand yuan of spare cash, because their investment risk tolerance is stronger, financial planners believe that they can choose more active investment methods and allocate more equity funds. In addition to earmarked 5000 yuan as a daily emergency reserve fund, young people can choose a more active equity fund on a regular basis according to their monthly savings. The balance can give priority to the selection of high risk investment types: Equity Fund 60%, mixed fund 40%. {page_break}

　　 Two Family idle funds 200 thousand to 500 thousand yuan.

Diversify investment and achieve wealth preservation and appreciation

Compared to the average wage earners, 200 thousand yuan is a relatively large number, 200 thousand yuan can pay a flat down payment, can buy a decent car, but how to manage 200 thousand yuan of spare cash, in order to "money to generate money" to make life better?

Conservative investors should be prepared for retirement. For the elderly, when they have 200 thousand yuan of spare cash, household expenses will be reduced obviously, especially when their children become adults. They will be able to live independently. The demand for funds is not so great in the future. At this time, conservative investment should be considered. Bank of China's financial planner believes that pension accumulation is the primary task at this stage. Elderly financial management should start from the overall stability and invest in treasury bonds, bond funds and money based funds on the basis of partial insurance. The elderly can choose products with a longer investment period, such as 5 year treasury bonds. At the same time, monthly household income surplus can buy pure debt fund products with low risk.

Prudent investors need to plan carefully. For middle-aged couples, taking into account the future of children's education, housing and other issues, the 200 thousand yuan deposit more stable investment, need to carry out a detailed planning. First of all, 100 thousand yuan can be invested in monetary or bond funds. This part of the investment has strong cash performance, which can meet the purchase cost of housing or children's education, and the other 100 thousand yuan can be invested in equity funds. It should be noted that some of the funds can be purchased insurance, so as to ensure the stability of the couple's life.

Aggressive investors should focus on the pursuit of wealth and high growth. For young people, although the 200 thousand yuan deposit is not small, it is not much. For young people with strong risk tolerance, it is the primary intention of this time to increase their original accumulation rapidly. Financial planners suggest that in addition to a small amount of insurance allocation, 200 thousand yuan can buy stocks, if there is no time or no ability to operate stocks, you can buy partial equity funds.

　 3. family idle 500 thousand to 1 million yuan

Focus on ensuring long-term planning based on life

500 thousand yuan, for most ordinary people, can be regarded as a "huge sum of money", but really saved 500 thousand yuan of savings, how to manage money, so that the money can flow into a stable and comfortable life? Standard Chartered Bank China wealth management department general manager Liang Dawei said in an interview that investors should first establish a long-term investment target before buying financial products, and accordingly consider their own asset allocation investment plan. In the process of investment, we should not be greedy, not afraid, steady and risk dispersed, so as to strive for long-term and steady returns, instead of overly worrying about gains and losses at a time.

Conservative investors should keep their assets steady. For the elderly, 500 thousand yuan is related to the future pension. Xu Jiaxing, an agricultural bank's financial planner, suggested that the elderly had no need to accumulate too much assets at this time. In addition, the elderly can set up a large amount of Medical Reserve. Under the premise of adequate medical insurance and endowment insurance, they can invest in products with relatively stable income, and highlight the steady and rising investment style.

Prudent investors should pay attention to the allocation of insurance. Middle aged couples have 500 thousand yuan of spare cash, and the difference between financial management and young people will be relatively large. At this time, there may be pressure from the mortgage loan. Although the cost of child care and education has not reached its peak, it is necessary to be included in the planning, and even to consider the cost of subsidizing children to go abroad to receive higher education. Therefore, the 500 thousand yuan financial plan should emphasize the steady demand. In addition, we should pay more attention to the investment of insurance, because the demand for insurance is very urgent at this time. The financial planners suggest that the financial allocation scheme is as follows: 5% for the deposit to cope with contingencies; 5% for the purchase of life insurance, major illness insurance and accident insurance; 60%, for the purchase of funds, which can equip equities and bond and monetary funds equally; 30% buy stocks and invest in low price earnings ratio blue chips with a high margin of safety.

Aggressive investors need to plan long-term goals for life. For young people, although 500 thousand yuan of assets reserve has been relatively rich, we can consider achieving some of our life goals, such as buying housing through provident fund loans, preparing to build a harmonious and warm family, or create our own economic entity. However, the bank's financial planner believes that this stage of financial management is still indispensable. Young people must plan their cash inflows and outflows in the long run. At this time, if they spend too much on small assets, they will easily be exhausted by 500 thousand yuan.