How to rationalise personal wealth planning?

1, the concept of wealth

Want to reasonably arrange personal wealth planning, first of all, have a good concept of wealth. Lending is a long-term investment behaviour, do not think of "overnight wealth", but to do a good job of continuous lending, with the right concept of wealth, in order to better develop wealth plans, so that their wealth preservation at the same time to gain income. If the lack of knowledge of their own lending, you can go to learn the relevant lending knowledge, learn more about some lending products, timely grasp of wealth information.

2, clear goals

Since the development of a regular wealth plan, it is loan necessary to have a goal, and it is best to have a short-term and long-term goals. Plan the ideal return for how much, after the target period to the total amount of funds for how much. Then the funds will be divided into six months, three months or one month for lending.

3, clear financial situation

In determining the wealth goal, more to be able to understand their own financial situation, and the financial situation is divided into the existing situation and income and expenditure. Existing situation, mainly to clarify their existing family or personal assets and liabilities, such as how much savings, liquid savings or regular savings, whether there are liabilities, should be clearly known. The income and expenditure situation, mainly to understand how much monthly income, and then how much monthly necessary expenditure, the remaining funds are the funds that can be used to lend.

4. Understand the products

In the understanding of the financial situation and determine the basis of wealth goals, we should be familiar with some lending products and determine the choice of two to three products, to understand the specific project, risk, profitability, withdrawals, whether or not to commission, how long ploan the expiry date and so on. Like some of the lending products can now be fixed monthly investment, can be appropriate for the combination of investment, do a good job of detailed wealth plan, diversified investment risk.

5, adhere to and regularly summarise

Since there is a detailed personal wealth plan, it is necessary to adhere to do, do plan is to urge their own better accumulation of funds. And to regularly summarise their wealth plan, according to the long-term wealth goals, to project to see whether the current savings and investment income is reasonable, whether there will be a gap or short-term goals to achieve, analysis of the current choice of products is suitable for their wealth plan, by analysing and comparing the risk of stability and other factors, to see whether the need to replace the product. Regular summary of the time to be based on their own schedule and investment products, reasonable arrangements can be.

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