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“4321理财法则”与排列组合法的有效结合,是家庭理财规划的利器。无论是理财师还是投资者,均可以利用它轻松对号入座。家庭理财规划的法则很多,“4321理财法则”是较为流行的一种。它的基本内容是:将一个家庭的年收入按照40%、30%、20%、10%的比例分成4个部分,分别对应“生活(衣食住行)、投资、储蓄、保险”4个方面的家庭开销,再根据不同家庭年收入水平做出相应的分配方案,比如富裕家庭的投资比例可以大一些,而低收入家庭则应把主要支出放到生活和储
“4321 Financial Rules ” and the combination of effective combination of the combination of laws is a tool for family financial planning. Whether it is a financial planner or investor, can use it easily collusion seat. There are many rules of family financial planning, “4321 financial rules ” is a more popular one. Its basic content is that it divides the annual income of a family into 4 parts according to the proportion of 40%, 30%, 20% and 10%, respectively corresponding to 4 aspects of “living (food, clothing, housing), investment, saving and insurance” Of the family expenses, and then make the corresponding distribution plan according to the annual income of different families. For example, the wealthy families can invest a larger proportion, while the low-income families should put the main expenses into the living and storage