新中产该如何配置自己的资产？如何理财？英文双语对照

很羡慕你已经成功晋级为中产阶层，我还在努力奋进中，争取早日实现目标；今日头条平台也许是我新的起点和财富增长点。

中国“新中产”是近二十年社会变革后新生出来的一个社会阶层。《2018中国新中产圈层白皮书》发布 ，“新中产”出了新定义：“除了不错的家庭收入和财富条件，还具备良好的教育背景，稳定的生活环境等条件，目前中国大约有1000万个”新中产家庭“。

新中产定义为家庭年收入在30万至300万元，可投资资产在20万至100万元的人群。他们普遍拥有比较体面的工作、较高的收入，在理财方面也有相对于其他阶层不一样的诉求。

资产配置是指根据投资需求将投资资金在不同资产类别之间按照 一定比例进行分配，通常是将资产在低风险，低收益投资工具与高风险，高收益投资工具之间进行分配。兼顾安全性，收益性与流动性的合理配置。

是对长期投资收益影响最大的因素，通过合理的资产配置和对资产的组合管理，可以避免单一产品的择机选择，对入市时机的择时考虑。资产配置组合投资可以充分分散风险。在承担同等风险情况下，稳定提高投资收益 ，在获得同样收益情况下，有效降低投资风险。

进行资产配置时我们应注意的几个要点：

必须明确的是资产配置是为服务于家庭理财目标的

资产配置事实上是一种分散投资，它要求投资品种间的关联性较低，关联紧密就达不到分散风险和平衡收益的效果；

资产配置的效果需要一定时间来体现，因此，要有长期投资的理念。

接下来我来谈一下，作为一个新中产，应该如何打理自已的财富。

1。了解自已的资产情况，了解自已当前和未来一段时间的资产状况，是做好投资规划的基础。中产阶级的资产一般分为动产和不动产，其中能用于投资的动产又包括现金、存款、股票等等，投资要有现金流。

2。了解自已的负债情况。理财相当于在做资产的加法，还要弄清楚自已的负债情况，如我们的房贷、车贷等；要在日常现金流中留出预备偿还债务的资金。一加一减；资产减去负债，才是我们个人或家庭真正能够动用的理财资产。

3。要考虑影响个人的风险承受能力，流动性安排和收益要求的各项家庭或个人因素，其次要根据市场变化的情况，最后要掌握大类资产风险收益的特征情况。在此基础上，各类资产再进行，长短期限搭配。即根据设定的理财目标对资产进行长，中，短期的配置，并且根据不同目标的需要和重要性排序按比例安排。不同风格和风险互补。包括不同资产风格的互补；同一资产不同风格的互补。高中低风险的互补；不同类型金融产品的选择重点不同。基本思路是根据各类资产的风险，收益和流动性的不同，确定投资组合中不同资产的类别及比例。

4。合理配置理财产品，作为一个专业的投资顾问，我建议将手里的流动资金分成四份，一份用于保守型理财，可以配置一些定期的理财产品，比如大额存单、国债等，像货币基金、活期存款等这一类投资方式，基本上可以说是零风险可放心投资。一份用于积极型理财，可以购买基金，股票，黄金、外汇理财等；这一类理财产品的特点为是收益高，但相对风险性更高，需要有一定的专业知识，在投资过程中要充分的做好功课。另一份对个人和家庭都是比较重要的，就是保险，比如意外险，家庭险，重疾险等；这些投资虽然不产生什么实际的收益，但世事无常，即便手中的钱再多，一旦出现意外，也可能会对自已的家庭带来非常大的冲击。因此对未知因素的防范，不光是中产阶层，我们每一个家庭都应该作为必不可少的投资重点项，防患于未然； 以中产阶层为例，建议保额的配置可以设定为100万，意外险和重疾险是两个必须要买的险种，其余可以酌情而定。最后一份用来日常支出，这一部分流动资金，用于日常生活、消费等花销，在我们打拼工作的时同，能保持住甚至打造更好的生活品质，让生活越来越美好！

Very envy you to promote already successfully estate is produced in be, I still am in hard act vigorously is entered in, strive for achieve a goal at an early date; Platform of today's top headlines perhaps is my new start and money point of growth.

China " new in produce " it is the estate of a society that the new student after nearly 20 years the society changes comes out. " 2018 China are new in white paper of layer yield a group " release, "New in produce " gave new definition: "Besides good domestic income and fortune condition, still have good educational background, the condition such as stable surroundings, at present China has 10 million about " new in produce a family " .

New in produce a definition to be a family year income is in 300 thousand reach 3 million yuan, can invest asset to be in the 200 thousand crowd to 1 million yuan. They have decenter job, higher income generally, reasonable money side also has beg at other estate appeals to differently relatively.

Asset configuration is to show the basis invests demand to will invest capital to undertake allocation according to certain proportion between different asset category, it is normally be in asset low risk, small profit invests tool and high risk, high income undertakes allocation between investment tool. Security of give attention to two or morethings, the reasonable configuration of profitability and fluidity.

It is the biggest to long-term yield influence factor, be configured through reasonable asset and manage to the combination of asset, the choose machine that can shun single product chooses, to entering the consideration when the choose of city opportunity. Asset configures combination to invest OK and sufficient dispersive risk. Assuming coequal risk circumstance to fall, stability raises yield, in obtain same earnings situation to fall, reduce investment risk effectively.

A few points that when undertaking asset configures, we should note:

What must make clear is asset configuration is to be a service at target of domestic manage money matters

Asset configuration is a kind of dispersive investment in fact, it asks the associated sex between investment breed is inferior, correlation disperses with respect to short of cheek by jowl risk and the effect that balance accrual;

The effect that asset configures needs proper time to reflect, accordingly, want to have the concept of long-term investment.

Next I talk, as new in produce, how should do from already fortune.

1. Understand from already asset circumstance, understanding already was mixed currently oneself the asset state that did not come for some time, it is the base that makes good investment program. General component is the asset of the middle class movables and praedial, the movables that can be used at investment among them includes cash, deposit, stock to wait a moment again, investment should have cash to flow.

2. Understand from already indebted circumstance. Conduct financial transactions is equivalent to making the addition of asset, clear up even from already indebted circumstance, if our room is borrowed, the car is borrowed etc; The capital of Wu of repay a debt of countervail of provision of the put apart in wanting to flow in daily ready money. Add decrease; Asset is subtractive and indebted, just be the capital of conduct financial transactions that our individual or family can employ truly.

3. The risk that should consider to affect an individual bears ability, fluidity arranges each family that asks with accrual or individual element, want the case according to vicissitude of the market next, want to master the diagnostic circumstance of gains of venture of kinds of big asset finally. On this foundation, reentry of of all kinds asset goes, accident deadline is tie-in. Undertake length to asset according to the target of conduct financial transactions of set namely, in, short-term configuration, and the basis differs the need of the target and importance sort are arranged in proportion. Different style and risk are complementary. Those who include different substance style is complementary; Same asset is different of the style complementary. Of high school low risk complementary; The choice of product of different type banking differs mainly. Main train of thought is the risk according to of all kinds asset, of accrual and fluidity different, invest the category that asset differs in combination and scale certainly.

4. Property of reasonable configuration grain is tasted, regard a professional investment as adviser, I suggest the hand the circulating fund in divides 4, one is used at guarding model conduct financial transactions, can configure product of conduct financial transactions of a few periodic, for instance big deposit receipt, national debt, wait for means of this kind of investment like deposit of monetary fund, current, basically can saying is 0 risks can be at ease investment. One is used at active model conduct financial transactions, can buy fund, stock, conduct financial transactions of gold, foreign currency; The characteristic of product of this kind of conduct financial transactions is is accrual tall, but opposite risk sex is taller, need has certain professional knowledge, want to do good homework adequately in investing a process. Another is more important to individual and family, it is safe, for instance accident danger, domestic danger, serious illness risk; Although these investment do not generate the profit with actual what, but affairs of human life is variable, the Qianzai in even if hand is much, once appear accident, also may be opposite from already the family brings very big impact. Of because this is right unknown factor be on guard, not only it is medium produce estate, we each family should regard indispensable investment as the key, nip in the bud; With in produce estate to be exemple, the configuration that suggests to keep the specified number is OK set is 1 million, accident danger and serious illness risk are two a place difficult of access that must want to buy are planted, the others is OK take into consideration the circumstances and calm. Last use daily expenses, this one billabong uses fund, use at the cost such as daily life, consumption, be the same as when we hit those who spell the job, can maintain the life quality with be made better even, make the life better and better!