交通银行青岛云南路支行为您支招——80后家庭的资产配置
在不同的交通阶段,每个家庭的银行云南理财规划是不一样的,要根据家庭特点、青岛个人风险偏好进行资产配置,支招资产并且随着市场的配置变化要定期检查定期调整。
80后现在都是交通职场和家庭的中坚力量,80后的银行云南家庭现在基本属于由家庭形成期向家庭成长期过渡,属于比较典型的青岛阶段,在这个阶段,支招资产夫妻双方由自由轻松的配置二人世界转入是人生最辛苦的“上有老,下有小”的交通夹心时代,处于收入高峰期和责任高峰期,银行云南应注重理财规划,青岛进行资产配置,支招资产在风险可控的配置情况下追求稳健回报。交行云南路支行的理财师给您建议,这个阶段的家庭在资产配置时要注意以下几个方面:
一,备用金计划
储备3-6个月生活支出作为家庭备用金以备不时之需,这部分资金应选择流动性强、风险低的产品进行投资,例如货币市场基金、交行的天添利系列理财产品。
二,家庭保障计划
作为家庭的经济支柱,夫妻双方首先要为自己构筑充分的保障。家庭面临的风险主要有意外、疾病、养老三大类,针对意外,可以为夫妻双方购买足额的定期寿险、意外险;针对疾病,夫妻双方应购买保额10-20万的重大疾病保险,可以附加住院医疗险;家庭一年保险支出占家庭总收入的10-15%是比较合理的,资金富余的情况下可以通过年金保险、少儿万能险等积累资金作为夫妻双方的补充养老金以及子女的教育储备金。
三,长期理财规划
对于家庭未来的换房计划以及宝宝的教育规划,需要在未来一段时间储备一笔比较大的资金,这部分资金的配置建议可以选择基金的定期定额投资以及黄金的定期定额投资。定期定额投资具有积少成多、聚沙成塔、摊平成本、降低风险的优势,同时可以强制储蓄,避免出现月光族的情况。在基金类型的配置上建议可以选择股票型基金、混合型基金、债券型基金按照3:4:3的比例进行配置。黄金定投是银行近年来推出的新项目,投资者可以在积累到一定资金投入时选择提取实物黄金金条或者按照实时价格赎回资金,也是长期投资一个不错的选择。
若有相关理财需求或疑问,可以随时来交行云南路支行,我们专业的理财师将竭诚为您服务!
(责任编辑:产品中心)
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