今日濟南代理記賬公司為大家帶來“理財目標要分清主次”，希望對大家的學習和工作有所幫助。
Jinan bookkeeping agency company today to bring the financial goals to prioritize, hopes to be helpful for our study and work.
理財是一項技巧性極高且循序漸進的工作，一次投入“被動理財”、買了產品“放任不管” 是遠遠不夠的，家庭財務管理需要適時根據市場變化，做出靈活的資產配置調整。
Money is a very high technical and step-by-step work, an input "passive finance", bought a product "alone" is not enough, the family financial management need timely according to the market changes, make flexible asset allocation adjustment.
擁有多個理財目標是件好事，對自己是一種鞭策，可以讓自己有積極向上的動力。但濟南代理記賬公司需要提醒的是，理財目標要分清主次，在人生的不同階段，合理設定理財目標，因為理財的目的是讓我們生活質量更高更好，而非如釋 重負。
Have multiple financial goals is a good thing, is a spur to oneself, can let oneself have a positive momentum.But what need reminds is, jinan bookkeeping agency company financial goals to distinguish between primary and secondary, in the different stages of life, reasonable setting financial goals, because the money is for the purpose of the higher quality and better our life, rather than the relief.
那么，家庭理財應該從哪些地方進行理財檢視？
So, family financial management should from what place finance review?
第一，檢視家庭緊急備用金（Examine the family emergency reserve fund）
從家庭財務的流動性、安全性、收益性角度出發，保持一個家庭正常運轉，首先要考慮日常開 銷以及突發緊 急情況后不時之需的現金流。該額度不宜過高，過高則占用了資金成本，減少理財收入，一般為家庭平均月支出的 3~6倍。
From the perspective of family financial liquidity, safety and profitability, maintain a family functioning, the first thing to consider daily open pin and emergency cash flow tight urgent situation after a rainy day.The quota is unfavorable and exorbitant, too high, take up the cost of capital, reduce financial income, for the average family 3 ~ 6 times the average monthly spending.
第二，了解家庭風險敞口（Understand the family exposure）
考慮家庭特殊狀況或是最壞的狀況下如何應對。人 生不過生老病死，對于大部分家庭來說，最大的困難應該是生病或者生故。那么一旦家庭主要收入來源者出現變故，整個家庭就面臨非常大的經濟壓力，收入減少，支出 增加，生病卻沒錢治、房貸沒還完、孩子嗷嗷待哺、父母 養老沒著落等問題就會凸顯。
Consider the special family situation, or how to deal with the worst situations.people Raw physical, however, for most families, the biggest difficulty should be sick or so.So once the main source of income, family misfortune, the whole family is very big economic pressure, less income, spending, sick but have no money for mortgages didn't also the problem such as pension, children to feed, parents didn't landing will highlight.
因此，要做好家庭保險。合理的保費支出占工作收入的比率區間為5%~15%，收入越高，保費越高。根據這 個原則，不同人群要制定相應的保障措施。例如年輕的打拼一族首先考慮定期壽險，然后是醫療重疾，再后是意外 險、養老保險。定期壽險保額計算要涵蓋房貸+妻兒生活 費用+父母養老費用+喪葬費用等。
Therefore, to make home insurance.Work reasonable premium accounts for income ratio range of 5% ~ 15%, the higher the income, the higher the premium.According to this principle, different people to formulate the corresponding safeguard measures.For example played young gens first consider term life insurance, and then the medical disease, then the was accidental insurance, endowment insurance.Term life insurance premiums are calculated to cover mortgage endowment cost + + + cost of living of his wife and children parents funeral expenses, etc.
第三，充分認識自己的理財風險承受能力（Fully understand your financial risk tolerance）
理財是一項門檻極低卻需要持之以恒的終身事業，充分認識自己是理財的關鍵，只有了解了自己的風險承受能力，選擇合適的理財工具并堅持到底，才能不至于手持的股票天天上漲，自己卻仍心驚膽戰，徘徊不定。
Money is a threshold is very low but requires persistence of lifelong career, fully know themselves is the key to financial management, only by understanding their risk tolerance, choose the appropriate financial management tools and stick to it, can not be holding stocks rise everyday, oneself still shell-shocked, hovering.
收入、資金用途、資產狀況等不同，家庭的風險承受能力也相應不同，對應的理財方案也要有所不同。如果是 一般工薪階層，投資經驗較少且沒有富足的時間，全部資產都投入股市，在本次股市持續受益后，建議把部分股本贖回，轉作較低風險的投資，剩余的資金在家庭可承受范 圍內，結合自己喜好留存股市。
Income and capital USES, assets status, family risk tolerance also different accordingly, the corresponding financial plans should also be different.If is generally working-class, investment experience and no less abundance of time, all assets into the stock market, after the stock market continues to benefit from advice, redeem part of equity transfer for low risk investments, the rest of the money in the family can withstand around, with his be fond of holding stocks.
借錢炒股、購房款炒股是一種風險極大的行為，濟南代理記賬公司提醒務必慎重考慮。理財賦予我們的是能有輕松的心態，積極地面對生活每一天的能力。
To borrow money to fry, fry house money is a kind of risky behavior, bookkeeping agency company jinan remind carefully considered.Money given to us is to have a relaxed state of mind, positive face life every day.
第四，檢視理財預期是否合理（Examine the financial forecast is reasonable）
理財目標是按照每個人的人生規劃目標而設計定制的， 因此目標是否清晰明確，風險是否合理可控，是非常關鍵的。理財目標一定要明確，要有期限，是可以用貨幣量化且可 達成的。例如孩子教育金、婚嫁金、旅游經費、購房首付、購車款等，按照目標輕重緩急，優先計算出可投資的金額以及實現目標的金額后，做到心里有數，給自己一個合理的空間去努力。 擁有多個理財目標是件好事，對自己是一種鞭策，可以讓自己有積極向上的動力。但濟南代理記賬公司需要提醒的是，理財目標要分 清主次，在人生的不同階段，合理設定理財目標，因為理財的目的是讓我們生活質量更高更好，而非如釋重負。
Financial management goal is designed according to each person's life planning target of custom, so the target is clear and reasonable controllable risk, is critical.Financial goals must be clear, want to have a time limit, is can use quantitative and achievable.Such as children education foundation, marriage gold, travel expenses, payments, financing, etc., according to the goal priorities, first calculate the amount of investment can and amount of goals, do know, give yourself a reasonable space to work on.Have multiple financial goals is a good thing, is a spur to oneself, can let oneself have a positive momentum.But what need reminds is, jinan bookkeeping agency company financial goals to points clear, primary and secondary in the different stages of life, reasonable setting financial goals, because the money is for the purpose of the higher quality and better our life, rather than the relief.
濟南代理記賬公司：http://www.yinyon.cn