How Can White Collar Women Turn Into Little Rich Women?

There are many such female white-collar workers, holding higher than the average age of the same age.

case

Financial targets: 2 years to buy a house

Financial advice: appropriate risk

Miss Su, 26 years old, has a monthly income of about 6000 yuan and a monthly reserve fund of 1000 yuan. The company covers old-age insurance and medical insurance.

Daily expenses of family expenses 2000 yuan, rent 1200 yuan, other expenses 1500 yuan.

Annual family and business insurance costs about 6000 yuan.

In addition, the fund has a market value of about 30 thousand yuan.

First of all, Miss Su's income and expenditure: Miss Su's monthly fixed income is 6000 yuan, the housing provident fund is 1000 yuan per month, the monthly fixed expenditure is 4700 yuan, and the monthly surplus is about 1300 yuan.

The annual commercial insurance premium is about 6000 yuan.

In addition, the fund has a market value of about 30 thousand yuan.

According to Miss Su's assets, a stock fund of 1300 yuan can be fixed on a monthly basis. If it is calculated according to the 10% year rate of return, the market value of the fund will be about 35 thousand yuan two years later. The fund with 30 thousand yuan in market capitalization will also be calculated at the annual rate of 10%, and the market value will be about 36 thousand yuan in two years.

If Miss Su is 22 years old, she has worked for 4 years. After two years, the housing provident fund will be about 72 thousand yuan, with a deduction of two years' commercial premiums of 12 thousand yuan.

That is, Miss Su can prepare a 130 thousand yuan down payment two years later, and purchase a house worth about 430 thousand yuan. The target should be a house or a small two bedroom house.

Guidance from financial planners

The three stage of financial management has no worries in life.

Women who manage money in her "age" are happy.

Nowadays, women have gone out of family bondage, leapt to the workplace, become masters of their own affairs, multiplied knowledge and wealth, and women have the right of absolute independence.

If you want to finance, if there is no capital, everything is empty talk.

Whether you are a moonlight clan, a housewife waiting for your pay day, or a working girl who is working in the workplace, changing your spending habits is the most important factor. The unnecessary expenditure is pferred to the financial capital, and there are 3 concepts at the same time.

Idea 1: you do not manage money, money does not care about you.

Financial management is not just talking about slogans, but also persevere.

Idea two: let the consumer goods exceed the value.

Beautiful women invest in appearance, smart women invest in them.

Enrich the concept of self financing, broaden our horizons, and spend our expenses on the knife edge.

"Making use of knowledge and making money" is the smartest way of managing money for women in the new era.

Idea three: forced savings, regular investment.

"Zero reserves" and "regular quotas" are the best means of forcing savings and investment, so that some salaries can be automatically invested in investment accounts.

The elite women in the new era can not afford to neglect their ability to manage their finances and consumption. There are a few women who make cars and live in Huaxia, and many of them are always victorious generals in the investment market. Their ability to analyze and judge is admirable.

Women's financial management can be divided into three stages: making appropriate adjustments according to the needs of different ages and stages, making them the financial masters.

Stage 1: women are the 20 most beautiful.

After entering the workplace for a few years, besides accumulating professional experience and social recognition, it is more important to accumulate investment and financing costs before you get tired of your family. Otherwise, you will be left empty handed and even your life will be a problem.

If you have a spare cash at hand, you can start investing. Because young people have high risk capital, you can quickly accumulate money by investing in high risk and high yield products.

Stage two: women 30 flowers

After the accumulation of achievement and wealth to a certain level, the next step is to plan carefully, not only to make the present day better, but also to make life more secure and dignified for the elderly.

At this stage, the biggest cost of women is mainly to purchase and buy cars. Married women have to prepare their children's education fund so as not to be overwhelmed by huge educational expenses in the future.

Besides, you, who are constantly contributing to your family, do not forget to take good care of yourself, strengthen the insurance function, and allocate the proportion of insurance policy according to your needs, so as to lay a foundation for the present and the life of the elderly.

Stage three: women 40 is a treasure.

When you are 40 years old, your child is older and your financial situation is stable. At this time, we should see whether the money is free after the retirement of the couple. What kind of life do you have in mind? Especially the subsequent medical expenses are indeed a great expense.

At present, in addition to emphasizing capital preservation, we should increase investment with stable and fixed income.

Six elements to establish financial management concept

The essence of "financial management" is to make good use of all available funds in the hands and take care of the needs of all stages of life.

The best way to manage your finances is to spend every penny of your life.

To achieve such a level, it may be too harsh, so long as we can make use of the funds at hand, invest correctly and share the risks equally, it is a good idea of managing money.

1. establish the concept of gain and loss.

There is no guarantee that any investment will make steady profits and profits. As long as it is investment, it is bound to involve risks. But if we refuse to make a new attempt because of choking on food, we will never have any chance of wealth.

To establish a correct financial management concept is to accept the results with a clear mind and face risks and difficulties rather than to go all the way.

2. be bold and cautious, and be willing to try.

Careful and prudent is the characteristic of most women, but it also becomes the biggest obstacle for women to invest and manage money.

Unfamiliarity with financial markets, lack of financial concepts, and lack of control of rapidly changing situations are all excuses for women not to fight.

The first step in investment and financial management is not speculation, nor short-term profits. Instead, in the era of equal information between men and women, women must rise to the top, have independent economic capacity, and even make preparations for unconcerned life in their old age. Learning investment and financing is absolutely necessary for women in the new era.

3. respect professional and trust professional.

When the stock market was hot in the past years, the children in the shop were full of Basket Baskets. When you said what I said, the three wives and women would bet on their hard-earned money before they knew it.

If a busy career woman, a housewife who knows little about finance or even a young student who is eager to plan for the future, can avoid unnecessary risks and reduce many wrong ways by taking the four words of "believing in professionalism".

4. avoid "sitting on this mountain, looking at the mountain".

Drawing up investment and financial management strategy is like playing chess. Before the war starts, we should carefully plan the steps and strategies.

The short line operation and the final end of the heart and mind are often overturned in the sewer.

5. keep green hills without fear of burning wood.

The best investment and financial management concept is to ensure that life is free at the present stage, and then plan the spare cash for better quality of life.

The power of asset allocation should not be ignored. If you want to invest, please think about how much strain and endurance you will encounter when facing risks or losses, and not be blinded by profits.

Win in 6. defeats, remember the lesson from the past.

Life is bound to suffer many setbacks. Failure is like paying an expensive tuition fee. In the future, you will find that these payments are absolutely worth the money.