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您家庭理财是否分为“树干”与“树根”两部分?“树干”与“树根”的比例合适吗?多数理财专家都同意,个人和家庭的财务计划应分为两大部分:“树干”和“树根”。“树干”部分是消费性的投资,以追求利润为目的,以满足自己及家人不断增长的物质和精神文化方面的需求。“树根”部分是保障性的投资,即参加保险,提供自己及家人基本的人身保障,维持生活品质长久不变。在追求高利润的同时,必然会带来高风险。因此,只有通过保险投资来规避,才能保证家庭经济“营养”
Is your family finance divided into two parts, “tree trunk” and “tree root”? What is the ratio of “tree trunk” to “tree root”? Most financial experts agree that the personal and family financial plans Should be divided into two parts: “trunk ” and “tree root ”. The ’trunk’ section is a consumer investment that seeks to profit for the purpose of meeting the growing physical and spiritual cultural needs of ourselves and our families. “Tree root ” part is a protective investment, that is, to participate in insurance, to provide themselves and their families the basic personal protection, to maintain the quality of life for a long time. In the pursuit of high profits at the same time, it will inevitably bring high risks. Therefore, only through the insurance investment to circumvent, in order to ensure family economy “nutrition ”