2030 is the 'generation of first experience'. This is because it is time to grow up and experience a variety of things just off the compulsory education period. The most important of these first experiences is marriage and economic life. If the concept of home economics is not clear, then it is likely to be mistaken from the first button. 2030 Financial planning strategy, how to build. The 2030 generation is the first time to earn income through labor, and it is time to put the first button of family life and life through marriage. 

It is easy for a first-year socioeconomic person whose value for money is unclear to waste his first direct income. Newly married couples who have just married should also be cautious. It is also necessary to grasp the economic life of each other, such as income, expenditure, savings, and investment, as well as adaptation to living together. It is because it is the easiest time to collect money or write, which may be a negative. 

In the newlyweds, important life goals are created, such as childbirth and child support, home preparation, and risk. In order to achieve these goals, it is necessary to practice habits of planning and implementing savings or investment based on the rational consumption life of the family.

First, in order to establish a reasonable financial goal, we must think more specifically about the goals we are trying to accomplish. For example, there are a number of couples who set their goal of saving money from home. However, it is difficult to achieve the goal if we do not make a step-by-step plan about how much money we will need and how long it will be necessary to set up my house goal. It is necessary to further design where, why you want to live in a house, how much you need to do it, how you should run the money you earn to collect the money, and so on. This is a principle that applies not only to the purchase of housing but also to the collection of child education funds and retirement funds. 

If you set a financial goal, you have to figure out your financial position. It is very important to have a "passbook marriage" to disclose and understand the financial situation of the couple. If you do not disclose your financial situation, such as your income and spending, you will find some money somewhere.

The next step is to determine your financial goals, what assets you currently have, and what assets you can use to reach them. In order to understand the income flows that can be gathered in order to achieve the goal in the future, we must carefully examine income and expenditure. You can see your financial status at a glance by creating a statement of financial status (financial statement indicating the financial status at the point of specialization) and a cash flow statement (financial statement indicating the ability to use cash). It's a good idea to check your financial status based on the exact figures. Emergency funds and liquidity ratios are indicators of how much you can cope with sudden financial problems in your household. It is important to secure enough liquid assets to cover expenses of at least two to three months in case of emergencies. The total debt ratio is also important. Usually, this ratio is preferably not more than 40%. Saving rates are also important. The savings rate, which is defined as total income divided by gross income, is higher than that of the 4050 and 5060 generations in 2030 generations. 

Finally, there is a risk-taking index to prepare for sudden risks. The sum of the guaranteed premiums divided by total income is the risk-adjusted index. Guarantee premiums should be based on 8-10% of gross income, but make sure that there is sufficient guarantee against risks and that there is no overlapping guarantee. 

If you look at the financial status of your household, you need to make specific plans that are actionable to meet your financial goals, and you need to build investment plans and portfolios to achieve the needed funds. This is because the selection criteria can be changed according to the investment propensity of the individual and the duration and importance of the financial goal.

For example, a 1% loss of principal can not be yielded if it is aimed at preparing for an upcoming lease. At this time, we need to find the most stable products. However, if retirement funds are needed 30 years later, individual investment tendencies are the most important criteria for selecting financial products. If you want a product that has a high probability of losing money even if you have a possibility of loss of principal, you can choose an aggressive product. If you think that it is important to collect money steadily even if the profit rate is not high,

2030 households that set values for money, invest in various financial products, and start making money. Everything is unfamiliar to me, but there are infinite possibilities. 

If you have an active investment orientation, you should check the sales of bank periodic savings, preferential interest rate and special products.

Our life is always a continuation of choice. The moment of choosing a financial product for the purpose of raising money after 3 ~ 5 years always comes to us.  

Let's say you have a bonus of 2 million won this month. If you are saving, which financial product should you put it in? 

We strive to find the best products in order to prepare for and meet various life events ranging from marriage financing in the early years of society to financing housing after marriage, funding college for children and arranging for family events.

◇ Conditions that can be achieved

The first thing that comes to mind when you say 'purpose money' is the bank's regular savings products. If so, what criteria would you choose to pay for? 

First, we need to check interest rates. Check the basic interest rate, and if there is a certain condition, check whether there are additional preferential interest rates. It is to confirm that I am a condition that I can achieve well. 

It is also a way to check the interest rates of commercial banks by using the website of the National Federation of Bankers' Association and to select the goods suitable for me. 

Financial services provided by the Financial Supervisory Service (FSS) Portal Fines Financial products When you enter the menu at a glance, you can check the products currently sold in the order of the highest interest rate. 


◇ Check for sales of specialty products.

Each bank regularly sells special deposits that impose special conditions for a certain amount of money. 

It is good to check whether there is a special product targeted at a small number of VIPs by utilizing the house bank or the banker's acquaintance. 

There is something to be cautious about this. It is already necessary to worry about whether it is advantageous to change the main account in order to receive 0.1% preferential interest rate.

For example, current CMA account is set to 1.2% of annual interest rate, and the transfer fee is exempted without limit. However, if you change your account to receive the deposit rate, you will be asked to pay interest on the account. Whether you can receive the same conditions. 

◇ Active Investment If you want

to invest in a 'fund' fund, the most important point is that you have to carefully consider the range of losses and profits that you can afford. 

Funds are earnings-taking products. It would be nice if it worked, but if the loss happens, the loss belongs to me. So you need to be careful. 

Every month I have to choose with interest what commodity I invest in, what commodity it is invested in, how much it costs, such as commission fees and fund repairs. 

The commission is a one-time fee paid to a brokerage firm or bank when investing in the fund for the first time. There is a 'pre-sale commission' when you join the fund and a 'post-sale commission' that occurs when you repurchase the fund. 

Unlike the sales commission, fund remuneration costs are continuously paid during the investment period, and the funds are returned to the management company, the seller company, and the trust company. Depending on the fund's investment style, such as stocks, bonds, real estate, etc., the fee varies from 0.15% to 2.0%. For this reason, it is a good idea to compare the remunerations of funds that invest in similar styles to the same assets. 


◇ There are classes in

Funds are managed by fund managers in asset management companies, and products are sold by banks and securities firms. So even if it is the same product, there may be a difference in profit rate depending on which class of product you are subscribed to. 

Therefore, it is a cost-saving method to select long-term investment in Class A with low sales fees and C Class without short-term sales fee in short-term investments.

It is reasonable to join online if you have decided on the fund products because the sales fee is low when you join online like the example and savings of banks. 


◇ When selecting a product, you should consider the

purpose of the fund. When will it expire? I think I can achieve the event of my life planned at the time of expiration. 

After five years, we need to see if we have the necessary children's tuition in seven-year maturity products and whether we have funded our charter fundraising two years later in an aggressive ELS product. 

Choosing a product is always difficult, but you can make a wiser decision if you consider the use and duration of this money. 

In October, the current account surplus in Korea decreased more than the same period last year, with Korea 's service balance plunging to its record high. The number of foreign tourists visiting China, including tourists from China, is decreasing, and the number of travelers going abroad for the longest golden holidays is increasing. The current account surplus continued for 68 consecutive months. 

According to the Bank of Korea (BOK) announced on October 5, "the balance of payments in October 2017", the current account surplus, including goods and services, totaled $ 5.72 billion in October. The longest record for the 68 consecutive months was followed, but the surplus shrunk compared to the same period last year ($ 7.69 billion). It is the smallest in six months. 

The service deficit has had the biggest impact ever. The service balance, including travel, intellectual property fees and transportation, was $ 3.53 billion, more than twice the deficit of the same period last year ($ 178 million).The service deficit shrank its record high for the second time this year. The second largest deficit was $ 3.36 billion in January. 

The travel deficit was also large this time. It is the second largest after last July with $ 1.67 billion. More than three times more than the same period last year ($ 490 million). 

After the deployment of the SAD (High Altitude Missile Defense System), the Chinese authorities continued to suffer a sharp decline in the number of Chinese tourists visiting Korea, as well as tourists from other countries. In October, the number of foreigners entering Korea dropped 26.6% from the same period last year, while Chinese arrivals fell 49.3%.

On the other hand, the number of foreign tourists in Korea continued to increase. The number of outbound travelers in Korea last October was 22.322 million, up 19.6 percent from the same period last year. According to the Korea Tourism Organization (KNTO), the number of outbound travelers is expected to reach a record high this year, exceeding 20 million visitors this year. 

The balance of transport and construction, intellectual property royalties, and other business services also recorded losses. In particular, the loss of other business services such as overseas advertising, consulting services, and settlement of accounts between affiliates was $ 1.37 billion. 

Meanwhile, merchandise sales surged to $ 8.6 billion, a slight drop from the same period last year ($ 9.16 billion).The long Chuseok holiday season will have a 4.5-day working days decrease. 

Exports rose 3.1 percent to $ 44.43 billion last year. Semiconductor imports, which are the export items, grew 72.7% YoY to USD9.7bn, leading the market. Revenue rose to $ 35.83 billion, up 5.6 percent from the same period last year. "The demand for semiconductor manufacturing equipment continued to be driven by the boom in the semiconductor market, and the rise in energy prices, including coal and natural gas, was also affected," the official said. 

Income and wages, including salaries, wages, dividends and interest, were in a surplus of $ 1.17 billion. The increase was due to an increase in dividend income.