I am 30 years old, with a fixed annual income of 40,000 yuan. I have a house and a car. My son goes to kindergarten at the age of 3, and his family savings are 1.5 million. Ask an expert how to manage

I am 30 years old, with a fixed annual income of 40,000 yuan. I have a house and a car. My son goes to kindergarten at the age of 3, and his family savings are 1.5 million. Ask an expert how to manage money. Family financial management varies from family to family. However, establishing a risk prevention system for individuals and families should be a part of family financial management. If you are interested, you can learn about it first.

If you want to buy insurance, you must know some basic knowledge about insurance. If you can learn some basic insurance knowledge, it is not a bad thing for people who don't know insurance. If you don't mind, shall we learn some basic insurance knowledge now?

Buying insurance must be clear about a basic truth: buying insurance is buying protection! Not others (such as stocks, funds, deposits, etc.). Buying insurance is an effective way to avoid personal risks and establish a personal security system. It is also a way of managing money. If you want to manage your money correctly in this way, you must learn and understand some basic knowledge of insurance. If people follow the trend, or take it for granted to buy insurance products, the result may be counterproductive, which will not only make you spend money on products that you don't necessarily need, but also make you worry for a long time, even for life.

Insurance is divided into social insurance and commercial insurance.

Social insurance is statutory insurance, which can also be called policy insurance. It is an insurance implemented and managed by the state administrative department by administrative means according to the law. All working or self-employed adults must take out insurance. Can provide economic security for the insured within the scope of basic medical insurance, basic endowment insurance, work injury insurance, unemployment insurance and maternity insurance. Because social insurance is a government act, it is mandatory. Employers (or institutions) should sign labor contracts when hiring employees, and employers (or institutions) should handle social insurance for employees, which is the social responsibility and obligation of employers. It is illegal for a company not to provide social security for its employees. After mastering the relevant evidence, you can complain to the local labor inspection brigade. You can also ask the local media for help and expose the illegal behavior of those bad bosses.

Individuals can participate in social security as freelancers at their registered permanent residence (at least this is the current policy), and then they have to fulfill their obligations of timely, full and continuous payment. Insured people can get relevant economic security when they encounter the above problems of basic medical care, basic old-age care and maternity insurance.

Social security emphasizes social equity (only one for each insured person), and its basic principles are: low level and wide coverage. Promise, no promise. Therefore, its degree of protection can not fully meet individual needs, and it needs commercial insurance to supplement it.

Commercial insurance: it is an insurance that gathers the strength of the society (the insured) and provides due economic security for a few insured people when they encounter certain personal risks (such as major diseases, accidental injuries, medical health, etc.). ). Buying commercial insurance is a commercial activity, which should be purchased according to personal needs and personal economic ability to pay. Since it is commercial insurance, it has a strong commercial color and is a supplement to social insurance. Commercial insurance emphasizes personal fairness (buying according to one's own needs and economic ability, buying more and insuring more, buying less and insuring less, and not buying, there is no guarantee), and its positioning should be: the supplement of social insurance. The principle of purchase is: voluntary principle.

The common feature of these two kinds of insurance is to provide a certain degree of economic security for the insured. Social security must be bought because it is a policy insurance with certain benefits. As for whether to buy commercial insurance? What kind of insurance do you need most? How much to buy? That depends on your own needs and economic ability to pay.

Buying insurance means buying protection, and protection is what everyone needs. Therefore, before buying insurance, we must make it clear: what is insurance? Why buy insurance? What kind of protection do I need most? How much protection do I need? How many insurance products can I buy with my present ability? If you really want to buy some insurance for yourself and your family, I suggest you:

1, learn some insurance knowledge first;

2. Understand the role and significance of insurance;

3. Identify your insurance needs;

4. Insure according to your actual needs and economic ability. Really do it: clearly understand consumption and enjoy it in a down-to-earth manner. Otherwise, due to my ignorance for a while, I may get endless troubles in the future.

Life is full of risks. Accidental injuries, health problems and pension problems are the biggest risks that everyone may encounter at any time. Once such a risk is encountered, it may directly affect the fate of a person or a family. Therefore, all three risks should be guaranteed.

For adults, first buy social security and then insurance, and then you can choose to buy some commercial insurance as a supplement. Because social security is the foundation and commercial insurance is the supplement. There are some basic principles for buying commercial insurance, such as: adults buy first, children buy later; First base, then perfect; First near, then far ... and so on. It should be very necessary to understand and follow these principles. If you want to know more about insurance, you can go to the insurance website. Or find a responsible and proficient high-quality insurance salesman for relevant business consultation.

To buy insurance for minors, we mainly choose to buy Xue Ping, accidental injury comprehensive insurance and lifelong or regular health insurance in commercial insurance. If the child is too young, some insurance products you want to buy for your child may be restricted by some policies. Therefore, you can buy less health insurance for your children first, and if possible, you can attach a hospitalization allowance insurance or hospitalization medical insurance.

In addition, you can also consider buying a mutual fund for children's hospitalization (about 40-50 yuan/share/year) in the social security bureau or the street office, so that the children's medical insurance will be improved. When the child is older, buy him some insurance that suits his needs.

Before buying commercial insurance, many people just have the desire and impulse to buy it, but they don't seriously understand the relevant insurance knowledge, so they buy it after listening to the salesman's story. After I got the insurance policy, I stopped reading the terms carefully. After chatting with others, I gradually feel that I don't know what the insurance I bought is, or I find that the insurance I bought is not the product I want. The regret at that time will be irreparable. In view of this, I suggest you learn and understand before you decide to buy. As the saying goes: sharpening a knife does not miss the woodcutter.

Generally speaking: everyone's ideal basic effective protection: lifelong health insurance should be no less than 300 thousand yuan; Accident insurance should be no less than 200,000 yuan/year; Endowment insurance should be no less than 65438+ 10,000 yuan. Commercial insurance can not be solved by one copy, but also according to one's ability.

For wage earners, the cost of purchasing commercial insurance should be about 15% of annual income. If it is less, the degree of protection may not be enough; If it is exceeded, it may have some adverse effects on daily life.

When underwriting, the insurance company has some requirements for both the insured and the insured, namely: 1. The insured must be in good health. Two, the insured should have a stable income and ability to pay. Three, the amount of compensation for minors does not exceed 50 thousand yuan.

Buying commercial insurance (whatever insurance) is definitely: the sooner you buy it, the better. Because it has a rule: under the same degree of protection, the premium paid increases with the age of insurance.

Insurance is a science. What you need to buy commercial insurance is a careful arrangement and gradual psychological preparation. Don't imagine that one investment can solve the life-long security needs. In other words, you bought an insurance to provide yourself with various protection problems.

The correct insurance practice should be:

1, it is very important to study and understand before buying insurance. Learn insurance knowledge as much as possible and correctly understand the functions and functions of insurance;

2. Choose an insurance company with strong strength and good reputation;

It is very important to choose a high-quality salesman who is responsible, honest and trustworthy, proficient in business and can provide you with good pre-sales, mid-sales and after-sales services for more than five years.

4. Choose an insurance portfolio that suits your needs;

After receiving the insurance policy, you should read each clause carefully and carefully for several times within 7 days. If you have any questions, you can contact the insurance company or salesman for consultation at any time. If you are not satisfied with the insurance you have taken out, you can surrender unconditionally within 10 days to ensure that your interests will not be lost. Therefore, pre-selection before insurance is very important.

As for which commercial insurance company is better, you can log on to He Xun Insurance Network and China Insurance Network to understand and consult related issues.

Because the scope of family financial management is relatively wide, you can also look online. A little more knowledge is not a bad thing, is it?

Personal opinion, for reference only.

Good luck!