Yang Delong: It is recommended that residents allocate half of their family assets to real estate, 30% buy stocks or funds, and deposit 20% in banks
Resident deposits increased by 19.9 trillion yuan last year, and increased by 9.9 trillion yuan in the first quarter of this year. This shows that residents still have certain doubts and conservative attitudes in investment and consumption. In order to promote economic recovery, Yang Delong believes that efforts need to be made to solve these problems that have an impact on economic recovery in the second half of the year, and corresponding policy measures should be introduced.
Yang Delong pointed out that in the first half of the year, the market investment style was biased towards the artificial intelligence sector and the "medium special valuation" sector, of which the artificial intelligence sector rose sharply due to the promotion of ChatGPT concept stocks.
Many relatively low-performing stocks have also achieved significant gains, attracting a lot of money to follow the hype. This has led to the outflow of funds from traditional consumption, new energy and other white horse stocks into the artificial intelligence sector, causing the loss of funds to other sectors.
However, Yang believes that the market style may change in the second half of the year, and the market will pay more attention to those high-quality stocks that are supported by good performance. Therefore, sectors with high prosperity such as new energy vehicles, lithium batteries, and photovoltaics may usher in rebound investment opportunities.
For the appreciation of personal wealth and financial asset allocation, Yang Delong recommends adopting the current 532 allocation ratio. That is, 50% of household assets are allocated to real estate and 30% to stocks or funds. The remaining 20% can be allocated to low-risk monetary funds, bank wealth management products or bank deposits in case of emergency. He believes that this allocation ratio is more reasonable for middle-class families.
The author believes that a family's medical expenses and education expenses are also very important expenses in family life. For these expenses, families can take some reasonable planning and preparation to ensure reasonable expenses in the economic environment.
As the cost of living continues to rise, so do the expenses of families. In an average household, food, housing, transportation, medical care, education and entertainment are key spending areas.
In terms of food, an average family costs about 2,000 yuan a month. Housing costs usually account for a significant portion of a family's budget, costing about $5,000 a month. Transportation costs are also part of the family's expenses, which cost about 1,000 yuan per month.
Medical expenses are essential, and it is estimated that it will cost about 500 yuan per month. In terms of education costs, families need to spend about 2,000 yuan per month to pay for their children's tuition and related expenses. Finally, entertainment costs usually cost about 1,000 yuan per month for leisure and entertainment activities for families.
On the whole, the monthly expenses of an ordinary family are about 10,000 yuan. Of course, this is only a rough estimate, and the actual situation will vary according to the specific situation of the family. Each family has its own special needs and priorities, so individualized budgeting and planning is required.
Household asset allocation refers to the allocation of a family's property and funds to different asset classes in a certain proportion to achieve wealth appreciation and risk diversification. A proper allocation of household assets can help achieve financial goals, protect against risk, and balance income and liquidity needs.
The proportion of household assets allocated can be adjusted according to the specific situation of the individual family. It is important to consider factors such as the household's financial goals, risk tolerance, source of income, and time cycle. In addition, regular assessment and adjustment of asset allocation is necessary to adapt to market changes and changes in individual needs.
It should be noted that there are risks in the investment market, investors should make prudent decisions based on their own risk tolerance and investment goals, and it is recommended to consult professionals before making any investment. Market conditions and investment trends may also be affected by a variety of factors, and investors should pay close attention to market dynamics and adjust accordingly.
In recent years, the real estate industry in some regions has indeed had the problem of overdevelopment and waste of resources, resulting in a shortage and shortage of education and medical resources. This situation may lead to an uneven distribution of resources for education and health, as well as a decline in the quality and coverage of education and health services.
The high profits and investment returns of the real estate industry have attracted a large amount of capital inflows, but this has also brought competition between real estate and public resources such as education and healthcare. Greater investment in education and health should be made to improve the quality and coverage of public services to meet the demand for education and health resources.
At the same time, individuals and families should also consider education and medical resources when buying a home. When choosing a place to live, pay attention to the surrounding educational and medical facilities to ensure that the educational and health needs of yourself and your family are met.
What do you think about this matter, leave your opinion in the comment section.
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