80后创业家庭的理财账：国泰君安、大麦理财、汇添富

My husband and I are both80After being an only child, both of them work in private enterprises, and their monthly after tax income adds up to2.5Wan, after getting married, two people need to support each other4An elderly person, and another one is on the way5The financial pressure on children in their grades can be imagined.



My husband has always had the idea of starting his own business and has been preparing for it since getting married. However, due to the financial pressure on his family, he has been putting his entrepreneurial plan on hold. The plan is to accumulate sufficient entrepreneurial funds in three years before taking action. A while ago, after sharing this situation with a friend in the field of financial management, they gave us some advice on entrepreneurial capital management:
At present, our family's deposits300Ten thousand, there's another car worth it50A car worth over ten thousand yuan, a set100A flat house, estimated to be around700A fortune of ten thousand yuan, but considering the elderly and children at home, the direction of financial management should be mainly fixed income financial management, supplemented by floating financial management.
1Stocks
推荐平台：国泰君安，投资占比20%
股市投资风险与收益并存，对于创业期的家庭来说，保证资金链的安全运行非常重要，所以不能把全部身家放在股市，可以拿出少部分的钱去投资。我们在国内最大的综合类证券公司国泰君安开了个户，投进去了20%About the entrepreneurial capital.
2Fixed income financial managementP2P
Recommended platform: barley wealth management, investment proportion55%
P2PThe online lending industry is currently one of the most time-saving, labor-saving, and safe and convenient investment methods. It is safer than the stock market and has higher returns than bank wealth management. Therefore, we have chosen barley wealth management in the state-owned asset system（www.damailicai.com）Invested in55%Funds, annualized income11%, quite considerable. At the same time, Damai Wealth Management has obtained the investment from Changfu, a wholly-owned subsidiary of Great Wall SecuritiesBSeries financing and cooperation with listed company Shengda ForestryCRound robin financing has a strong background and high security.
Because we are still in the stage of preparing funds, we are still working hard and will invest a portion of our monthly salary. In addition, by making reasonable use of interest rate hikes, lottery tickets, and other means, our returns can almost double. This is also the highlight of our family's investment.
3Fund
推荐平台：汇添富，投资占比25%
基金这块儿理财专家给出的建议也是投进去少部分，毕竟这类投资的收益属于不稳定状态。但是秉承着保守、稳定、基金综合投资的理念，所以就在汇添富上面选择了混合型的基金投资，收益在4.4%左右，没打算能赚多少钱，主要目的是为了不让资金闲置。
To be honest, after a lot of tinkering, it feels like starting a business is really not that easy! There is so much preparation work in the early stage of entrepreneurial capital alone. It is better to lay a solid foundation in the capital chain first, after all, once starting a business, it is necessary to ensure a continuous flow of working capital!
创业者投资必备神技能：https://www.damailicai.com/party ... ;cid=cpc-outlink-lt