家庭理财风险的防范（Risk prevention of family financial management）.docVIP

家庭理财风险的防范（Risk prevention of family financial management） Family financial risk prevention , a potential danger and defences In life itself has many hidden financial crisis, some easier to deal with, but other once a crisis occurs, if no preventive measures, is likely to make a family collapse. This includes the potential danger: 1. workers died, mainly due to the home accident lost the ability to work, the main source of income in the family disruption; 2. family members suffering from serious diseases, especially chronic diseases, huge medical expenses, often make the family cannot afford; 3. investment mistakes. Such as the use of debt financing, excessive investment, and suffered heavy losses because of bad investments; 4. people involved in debt. For example, for others: we will end up at the back of a debt. Of course there are many other special cases, so it must be a set of fortifications built financial. Defense is one of the insurance. To master the insurance to the insured, the insurance investment return on investment, give full play to its security function. Second home, there must be a sum equivalent to three to six months of family income emergency funds. The money is not cash deposits, cash can also be stronger, safer investment tools, such as certificates of deposit, bonds etc.. Finally, in the family financial management, should be regularly to the home financial data, in a safe place, if a problem occurs, so that the whole family clearly understand the financial situation. Two, investment risk As important link in open areas of investment, the risk of investment is also a family to focus on the issue. Has investment risk, can be said to be a iron law. It is in addition to the risk of the difference between high and low, there are also differences in nature. The common risk is divided into: 1. political risks such as a regional political instability, will make investors stop, thus cause the price drop. 2.: financial risk in stocks or corporate bonds