6 big insurance money management concepts that young people must keep in mind

点击数：21932018-02-28 10:27:00　来源: 中国注册金融理财师协会

6 big insurance money management concepts that young people must keep in mind
Just stepped into the society of young people, low income, if not to establish a correct concept of financial management, it is easy to become the "moonlight clan", "neet", "working poor".
The following 6 big financial ideas should be kept in mind by young people.
This idea: keep a good habit of financial records
Because young people are lax fiscal spending freely, and that the "moonlight clan", "neet", "poor" and a series of new words and new layers of different people.
Therefore, the insurance practitioners should tell young consumers to learn to manage money and develop a good habit of consuming and keeping accounts.
The main focus is to cultivate awareness and concept of financial management, let young people actively understand the various financial methods, try to open the door of financial management.
Second, accounting is the first step in financial management. If you do not know where the money is spent, which flowers, what should not be spent, and then what money.
Thirdly, we should adhere to the fixed savings and accumulate the initial financial capital. Many young people are usually in the first month when the bank card money, but by the end of the month, it There is not much left..
The main reason is that the correct consumption habits are not set up, and the correct consumption habits are income savings = consumption.
* two concepts: compulsory savings assets lock
Can compulsory savings a lot of tools, such as bank bonds, fund investment and so on, but the most powerful is the compulsory savings insurance products.
Just to help young people overcome the shortcoming of money, lock up some of the assets:
The time of the 1. plan is agreed in advance, that is, the payment period of the insurance. The payment must be paid on time during the payment period, otherwise the special person will be reminded by various ways.
The amount of the investment in the 2. plan is agreed in advance, which is the amount of the payment of the insurance, and it shall not be changed at will.
3. plan to receive the time is agreed in advance, in advance will have a cost loss, the loss of a large amount, forcing people to have to force savings.
* three concepts: responsibility size to insurance
Now a lot of young people from 80 to 90s, when they talk about insurance, most of them will say, "I am very young, do not need insurance", "I am healthy, do not need insurance" or "I have no family responsibilities now, what insurance do I need to buy?"
Actually, insurance is today's preparation for tomorrow. When we need it, we can't buy it when we want to buy it. We need to prepare it when we don't need it, so that we can get the risk to minimize the risk.
* four concepts: the sooner the more relaxed retirement planning
"Retirement, I just made money, there is a lot of things to do, buy a house, marry, travel... It's too far away! " In the eyes of young people, the old age seems to be a distant thing.
They do not know, time flies, decades like a moment; they do not know that future pension income will not meet the needs of our life.
If we want to maintain our current living standard after retirement, we need to prepare a large sum of money for ourselves besides basic social security, which requires them to make personal financial planning as early as possible.
The greatest wealth of young people is time. If we don't have such awareness in young age and fail to plan well, when we are approaching retirement, we will have no ideal result. Old age, everyone will face.
* five concepts: a policy can not solve all the problems
"Insurance, I've already bought it." This is more and more young people face the words of insurance practitioners.
Security and security are the greatest needs of life in every life, and different financial needs and risks are faced in different stages of life.
From the single noble to the middle class with housing and cars, from the education of children to the pension and heritage issues, this is a life course for ordinary people. How can a policy solve all the problems?
People encounter different risks in every age group, and the experience they are going to experience is also diverse. Therefore, it is not an insurance product that can meet the requirements of life.
Many people think that it is good to have insurance, do not care whether or not to match their own needs, in fact, this is the most dangerous thing.
* six concepts: insurance is not equal to the money
There are also many young people who are very concerned about all kinds of financing channels, and are keen on investing. They believe that the purpose of buying insurance is to earn money, and those who do not earn money will buy it.
Most of the current insurance products are accompanied by dividends, and the proportion of dividends is competing.
What's more, it is thought that buying insurance is a temporary solution. If there is really nothing to invest in Securities and real estate downturn, it is impossible to buy a bonus insurance first. Once the stock market gets better, then surrender to the stock market. The pursuit of income is not good, but must be established on the basis of a sound guarantee, otherwise, once the risk strikes, "God is floating clouds."