This year is Olympic year, many couples choose to get married this year. So, married, two people with the money together, and, how should we take care of it? Many people think that there is not much difference between before and after marriage, is not the case, the money this thing apart and the role of the merger is not the same. Reporter consulted professional financial person of some banks, they said, because the couple’s financial outlook is different, so the fiscal different ways.
Categorical financial
Radical type: new requirements for high
It is understood that some new investment due to marriage itself, high tolerance for risk, so the marriage of financial management also requires high yields. In this regard, financial management professionals that the family of such couples can be an appropriate investment of funds to the stock market, stock fund category, and some can not be guaranteed a high rate of return financial products.
According to reports, higher yields of these products, but the risk is relatively large, thus requiring investors to have a certain amount of investment knowledge, know how to manage these investment products.
This end, professionals recommend that investors do not at the same time all the money into a product or market, that is not conducive to spread the risk, but also easy to “ruin.”
Steady: lazy good way to finance
Many people the absence of investment and financial management expertise, fear of money into the market after “lose everything” and therefore reluctant to invest in risky products. Take account of such investor risk tolerance is limited, professional advice, choose a number of financial products and secure investment.
Such products, including bank time deposits, notice deposits, treasury bonds, stable funds, Guaranteed financial products. Professionals to remind investors, given the pressure on the renminbi interest rates, investors choose the best short-term financial products, the bank’s deposits, notice deposits to select cost-effective than the alternative of time deposits is much more.
Targets financial
Preferred to buy a house
Now mostly married to the late 70s only child born in the early 80s, the younger age groups a high degree of common culture, lucrative, the concept of advanced features. Precisely because of this, after a generation in a family generally want one of their own little world, so buy a house for a couple of first choice.
Financial professionals say, there is intention to loans to buy a car the couple, marriage should quit before marriage, “Petty” spending habits. First, the file should be established to finance, on a month to household income and expenditure records, and then analyze the situation on the overhead, which is essential expenses, which are dispensable expenditure, which was not deserved expenditure with particular attention to reducing the number of blind consumer items. Second, you can open online banking, account balance inquiries at any time, well aware of the family funds, and at any time to adjust their consumption behavior. Also, you can open an installment savings to the bank account, mandatory savings.
Plans raise the baby
Although it had a lot of new people willing to “DINK” type of family life, but there are still many couples after marriage, will have children as a priority.
Know that the different levels according to various hospitals, the cost of children from thousand to ten thousand dollars on the same time, the nutrition of pregnant women and infants not underestimate costs. Therefore, the plan to birth the baby’s family should save regularly each month, while wage income of both spouses to make a reasonable division, saving some money. The money not only to ensure the future growth of your baby costs, but also take into account accidents that may occur at any time, need to have some liquidity available at call.
related to hot words: newlyweds buy a car finance
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