Eight Investments That Benefit Women For A Lifetime

Eight types of investments that benefit the whole life

Investment with the highest success rate: real estate

although housing price The trend is unknown. So far, the real estate investment success rate of ordinary people is still the highest and most sympathetic investment Mode. However, with the introduction of various regulatory policies and the increase of the possibility of falling house prices, real estate investment becomes more and more difficult to replicate.

Wang Hong, 35, magazine editor. Although she still lives a nine to five life every day, she no longer regards work as a means of livelihood, and her sense of happiness has gained a lot. Wang Hong, who is in her 30s, said that she can retire at any time, which is fully benefited from the return of investment in real estate over the past eight years.

In 2000, Wang Hong graduated from university and entered a real estate company media Because of the nature of her work, she began to contact real estate developers very early. "I write real estate press releases every day, and I also want to experience real estate investment. In addition, I wanted to show respect to my parents, so I raised 120000 yuan with my husband and paid the down payment," said Wang Hong. In less than two years, the value of this property doubled. They borrowed money to repay the loan in advance and sold the house. As she knew many developers of real estate, Wang Hong immediately bought another two properties after selling the house. At that time, she just wanted to buy another house for herself, but she didn't expect the bull market of the real estate market to follow.

As a result, Wang Hong bought villas and office buildings with mortgage loans from 2004 to 2007. After several reversals, the rent of these properties is now more than 10000 yuan after the monthly loan repayment, and the couple's petty bourgeoisie life is quite nourishing.

Details Reminder

We never advocate "speculation" at this stage. For those who have considered or are still considering real estate investment, experts suggest that two investment principles should be considered: first, the rental yield should be the main factor. We should not listen to the intermediary's words, but consider whether we can rent the house after we buy it and how much the rent is. Second, the debt ratio of real estate investment should not be too high. Properly control the proportion of loans and reduce the ratio of monthly repayment to income.

The investment that should not be ignored: insurance

Time is the secret of accumulating money. The retirement plan should be formulated as early as possible, and the corresponding insurance product portfolio should be matched to meet the needs of life at different stages. In this way, when you are old, you can enjoy a high-quality happy life.

From this perspective, insurance is a necessary investment to plan for the future. At the same time, only by preparing for the worst can we be fully prepared.

Zhang Li, 28, an employee of China Mobile Beijing Branch. Unlike her friends, Zhang Li learned the importance of insurance at a young age. "Most of my friends are not interested in insurance because they think it is the business of those who are old or in poor health to buy insurance. They can pay off the mortgage, car loan, food and clothing, shopping, beauty and weight loss with their income of 5000 or 6000 yuan, but they are unwilling to invest hundreds of yuan every month to change a life full of security."

Zhang Li said that she is a person who is full of sense of hardship and is willing to consider the long-term. At present, she has purchased life insurance and major disease insurance with an amount of about 200000 yuan as a supplement to social insurance. The annual investment of these two premiums is about 4000 yuan, which is not high, but she feels that life is full of security. She also plans to buy endowment insurance in the future to prepare for long-term goals.

Details Reminder

We can't control our health and living conditions, just as we can't control the weather. When life changes, people need to have an insurance as their strong backing.

Insurance experts said that the correct insurance behavior should be: first, determine the premium budget. For a family of three, 5%~10% of the family's annual income can be used to buy insurance. Such a proportion of expenses will not bring pressure to the family economy, and can meet the family's security needs.

At the same time, the required guarantee shall be specified. Since the protection content of different insurance types has different emphasis, and the age, gender, occupation, income and health of the applicant also vary greatly, it is necessary to consider whether this policy is suitable for you when you apply for insurance. In general, the main source of income of the family is suitable for life insurance with other functions as well as security; Single noble or frequent business travelers are suitable for accident insurance with low premium and high protection; Those who have a stable income and hope to continue to maintain their current living standards after retirement can now take out pension insurance.

The most willing investment: children

When asked about his most proud investment, Rogers, an investment master, said that he was his daughter. "I used to think that raising a child was both a trouble and a waste of money. Only when I had a daughter did I know that this is the investment that can bring you happiness."

Aunt Wang Dan is a successful prosecutor herself. She is very pleased with her investment in her son over the years. Although 20 years ago, she spent almost all her savings on buying a piano with 10000 yuan, and her life burden has been increased by sending her children to learn art in the past ten years, but seeing her son today has a sunny attitude and good cultivation and quality, Aunt Wang feels that the intellectual investment for her son over the years is very worthwhile.

When asked about Aunt Wang's experience in investing in children, her answer was unexpected: the most important thing is to invest time in children. Whether she accompanies him to learn various skills or takes him to travel, she exerts a subtle influence on the children to cultivate their values and morality, and shares a wonderful life with him. For many years, my son has always had something new to share with his classmates. His broad vision and relaxed spirit have also made him interested in learning, and his performance has always been at the top of the class.

Details Reminder

The greatest contribution of parents to their children is love, which is the most unrequited, but it is also often the most happiness rewarding. However, investment for children should not be spoiled. Some expensive expenses may not play a good role, but little investment and accumulation are more effective for the growth of children. For example, the intellectual investment for children, such as checkers, chess, maps, globes, etc., the cost of audio-visual products with scientific and educational content is not much; If you want to choose a musical instrument for your child, you must observe him more, understand his interests and talents, and then make a decision.