1 thought on “Asset allocation 4321 principle”

  1. 1. Asset allocation 4321 principle?
    The "4321 Law" is the law of investment summarized by people in long -term financial planning, which is used to guide people's funds in investment. The content is as follows:
    40%of the income is used to invest in wealth, and is committed to the value -added of wealth. Such as buying property, wealth management insurance products, stocks or funds, etc.;
    30%of the income is used for family life expenses to ensure basic living consumption needs;
    20%of income is used for bank deposits and is committed to wealth At the same time, it has a rapidly fulfilling liquidity;
    10%of the income is used for insurance planning for life risk management.
    "4321 Law" is a law of investment with practical value. It is reasonable to make family financial expenditures in accordance with this rule. It is more reasonable. It is distributed an average of the remaining assets to keep it constant a 4321 ratio. This is a method of investment and financial management for the monthly income of the family.

    The knowledge of knowledge: other concepts of asset allocation?
    1. Financial management 72 rules
    This law can quickly calculate the relationship between wealth management income and time.
    If we have an annual interest rate of X%of wealth management, compound interest calculation, then use 72 to divide X, and the number obtained is the number of years required for the sum of the principal and interest.
    2, asset allocation of gold three principles
    only asset allocation that meets the "three principles of gold" is a scientific, balanced, stable, and high gold content configuration. These three principles are cross -asset category allocation, cross -regional state -owned allocation, and alternative asset allocation.
    The cross -asset category allocation
    The cross -asset category configuration, that is, "put eggs in different baskets". In the investment portfolio, insurance guarantee asset protection, fixed income, real estate finance, and secondary markets shall be included.
    The assets of different categories, the matching of risk returns is different. Scientifically allocated different types of assets and matching each other to achieve the effect of balanced risk and income.
    This countries are allocated
    It cross -regional transnational asset allocation, requiring investors' asset allocation cannot be limited to the domestic market, do not only hold a single currency asset, and reduce the correlation of assets.
    It the best choice to integrate the international market and increase asset income is cross -regional investment, holding a variety of currencies, and decentralized exchange rate risks.
    It alternative asset allocation
    The asset allocation of asset allocation is very high, but the accompanying risk factor is also relatively high. It is represented by private equity, risk investment, and parent funds. This type of asset allocation is more suitable for high -customer groups with high risk appetite and large asset coefficients.
    3, 80 law
    80 law is a law that is expected to withstand the ability to withstand investment risks. In this law, how much risk investment accounts for age, it depends on the size of the age.
    The specific rules are: the numbers obtained by the age of 80 are the reasonable proportion of high -risk investment in total assets.
    The high-risk investment amount = (80-your age)*100%
    The proportion of high-risk assets is contrary to age. Because with age, people's anti -risk capacity decreases, and the proportion of risk investment needs to gradually decrease. As a long -term wealth management tool, insurance should gradually increase.
    4, dual 10 laws
    The double 10 law refers to the annual premiums paid by the year's annual income of 1/10; the insurance amount should be 10 times the annual income.
    Is in scientific, reasonable, and effective insurance planning for individuals and families, you should fully refer to the insurance principle of the "Double 10 Law". When the amount of insurance is sufficient, the family's wealth is strong when the risk comes.

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