80 young professionals of various financial law.

<P> They just left the school gates, do not take care of their parents, no wife and children linked to heart; they earn a lot, spend more, ahead of their current consumption is a philosophy of life; holding good salaries, they shouted slogans of poverty .This is 80 years after the birth of the "younger generation" of life. .But, at the finish of a single chic, penniless, were the younger generation how to build family economic basis? .Recently, micro-old financial manager Minsheng Bank Na on three different types of financial advice made the younger generation. .</ P> <P> protagonist - </ P> <P> "moonlight clan" Alan, just graduated from college soon, a monthly income of 4,000 yuan, never accounting habits, finding out their financial vulnerability, do not know .their own "money" where to go. .</ P> <P> "Happy School" Little Europe for 3 years, monthly income of 5,000 yuan, but not the same as with the income and expenditure records of Li, the insurance did not realize the importance of themselves and their families, just getting started in the stock market, .But the lack of any skills, risk awareness of stocks is not enough. .</ P> <P> "conservative" Ye Fei, working for 2 years, monthly income of 5,000 yuan, but do not know how the students know how to save money, but not into the photography collection of like the door, did not want to invest in road investment .Although relatively a little above two types of "wealth" of consciousness, but only stay in the point, does not extend to "financial management" level. .</ P> <P> Weapon "moonlight clan" </ P> <P> "moonlight clan" Little Li Ganggang graduated not too long, in a single period of the early life stages. .The main objective of financial management should be to meet the daily expenses, savings and small investors to accumulate experience. .Li first to do so in cash planning, be aware of the monthly salary whereabouts and where the need for expenditure and where need to save, build revenue and expenditure records, and schedule the necessary budget, followed by can arrange their own recent career planning ., investment planning and large spending plans. .</ P> <P> trick one: daily living expenses saved </ P> <P> in the income of 4,000 yuan per month, out of 1,500 yuan for daily meals, transportation, telephone and utility costs, and eating and drinking with friends .the cost of fun. .</ P> <P> tricks II: development of Savings and Investment Plan </ P> <P> proposed to become part of the monthly salary for savings deposits, such as Minsheng Bank select "Money begets money A" financial plan, you can each .1 / 4 of wages automatically transferred to fixed deposits, although the amount of storage only a small part of wages, but in the long run, can accumulate a small fortune in capital. .In addition, the trend of this year, the Fund generally optimistic about the proposed Li funds to purchase 20% of the monthly regular fixed fund is a compulsory saving measures. .Li inexperienced, have little experience of investment products, you can learn some small investment experience, suggested 10% of the funds for small investments. .</ P> <P> three tricks: to arrange insurance plan </ P> <P> single personality of the young impulse, spending big, no personal property, to accumulate funds for future families. .Li 7.5% of income can be used to buy some accidental injury insurance, liability insurance. .</ P> <P> Weapon "Happy School" and "conservatives" </ P> <P> "Happy School" small Europe and the "conservative" Ye Fei and family are in a single cause of the formation of the transitional stage of .. .Savings-based financial goals can be established contingency fund, the purchase of some fixed assets based. .</ P> <P> tricks I: Preparation of contingency payments to be: two years of seniority has been recommended that the 3 to 6 months of living expenses for the bank fixed deposit of funds, demand deposits, as a family emergency funds to .necessary. .They are 5,000 / month income, monthly expenditure of about 1,000 yuan, and the remaining 4,000 yuan / month for a variety of investments. .</ P> <P> tricks II: 40% pay the mortgage buyers: They have some savings relative hand, it is recommended to do a real estate planning. .Now real estate in a growing phase, there is still room for investment, this diversion of funds is a good way to force savings. .</ P> <P> tricks Three: investment funds and skills training: young singles should raise the savings rate, there are plans to accumulation of "pot of gold", not only laying the foundation for the future expansion of investment, but also for marriage, good home .planning, the proposed 700 yuan / month into Monetary Fund, 1300 yuan / month to buy fixed investment growth fund. .In the consumer, we must also form a good investment sense. .May wish to take based on personal characteristics and circumstances of the investment plans accordingly, such as small EU is trying to stock, and Ye Fei like photography, you can do some investment. .</ P> <P> In addition, the two just work soon, could consider investment in education, the right to play and communication is necessary, but should also spare time to explore their own culture and a wide range of expertise, such as the test plate, .Reading English courses, some vocational qualification test card, can increase their capital, to lay the foundation for future development. .</ P> <P> tricks IV: 10% of income insurance: financial management, I, do not forget protection. .Ye Fei to be married in Europe and small and home, pay attention to when choosing to buy good insurance, property insurance, accident insurance, liability insurance. .So even if the future economic pillar of the family at risk, family, or have sufficient funds to meet. .</ P>.