It seems nonsense, but now consumerism is prevalent, and many young couples are often in the moonlight. At this time, we should emphasize the concept of compulsory savings. Using compulsory savings, health management, financial management, insurance, interpersonal communication and other means to fight risks can all be mentioned on the table.
Personal suggestion: Be sure to keep liquidity for 6 months to 1 year. According to the average family's monthly expenditure of 5,000, that is, 30,000 to 60,000. Requirements for funds: the risk is very small. The principal cannot be lost, or it can only be slightly lost. Good liquidity. If necessary, it can be taken out within three months. It is best to take it out at any time.
In order to protect the first two points, you can sacrifice part of your income. Money funds (Yu 'ebao, WeChat Wealth Management), regular financial management within 3 months (banks/brokers/insurance), bond funds and other qualified products. In the specific combination, for example, the reserve fund of 60,000 yuan can be bought in a monetary fund of 1 0,000 yuan. The remaining 50,000 will invest in regular financial management.
When choosing regular financial management, we should pay attention to taking out some losses as much as possible. It's hard to fight a devastating blow with this money alone, but it can help families through the most painful period after the blow-coping with some small risks that they can bear.
Second, family habits and health management-nip in the bud (avoid risks)
The ancients said: Seek good fortune and avoid evil. Of course, the best way to deal with the devastating blow that families may encounter is to nip in the bud, then resist the spread of risks, and finally recover and control losses. Personally, I don't believe in Feng Shui, but the concept of risk prevention is worth learning today.
An old friend who is obsessed with Feng Shui once said to me: When looking at a house, it is best to take a few years old children and observe their every move. If the child plays or is more relaxed as usual, other factors can be considered. If the child suddenly becomes agitated and crying after entering the room without other circumstances, it means that there are unclean things that are not suitable for living.
It's too mysterious for "unclean" things. Children's senses are more sensitive, and they can detect subtle anomalies that adults can't hear, see or smell, which really makes sense.
The biggest revelation of the mysterious concept of geomantic omen to family risk management is: preventing micro-duration. Many devastating blows are harbingers, so it is necessary to predict whether to nip in the bud or prepare corresponding strategies.