一、紧跟宏观经济的大气候。家庭投资离不开国家的经济背景,如早些年银行利率较高时,储蓄是投资首选品种,而随首这几年中国宏观经济的软着陆,为扩大内需和刺激消费,利率不断随之下调,国债、金融债券成为工薪家庭投资生财的抢手货。近一年以来,个人住房贷款、耐用消费品贷款则成了一些人的首选。因此,紧跟经济形势和金融政策的变化来确定自己的投资方向,应是比较正确的投资理念。二、要懂法。俗话说“吃不穷、穿不穷,不会算计一生穷”这里的算计,就是“理财”在当今家庭理财越来越被人们重 First, follow the macroeconomic climate. Family investment can not be separated from the economic background of the country. For instance, when bank interest rates were high in earlier years, savings was the preferred type of investment. With the soft landing of China’s macro economy in the past few years, interest rates continued to increase as domestic demand and consumption were stimulated Downgrade, treasury bonds, financial bonds become the hot money for working-class family investment. In the recent year, individual housing loans and consumer durables have become the first choice for some people. Therefore, keeping up with changes in the economic situation and financial policies to determine their own investment direction, it should be a more correct investment philosophy. Second, we must understand the law. As the saying goes “Eat not poor, wear a lot of poor, will not count all life is poor ” Here’s calculation, is “Money ” In today’s family finance more and more people are heavy