Build 2030 Generation Financial Goals

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.