Family asset allocation, risk control, insurance planning and investment decision framework
Comprehensive grasp of family asset and liability status, establish clear financial condition monitoring system
Statistics of real estate, cash, investments and other assets
Track mortgages, car loans and other debt situations
Analysis of asset net value change trends
Rational consumption decision system, avoid impulse spending, optimize family expenditure structure
Consumer psychology analysis and control
Large expenditure decision process
Identify and avoid consumption traps
Scientific investment decision system, covering funds, stocks, real estate and other investment types
Index funds and active funds allocation
Value investing and growth investing strategies
Real estate investment timing and regional selection
Macroeconomic policy analysis and response strategies, impact of international situation changes on family finances
Monetary policy, fiscal policy impact analysis
Global economic change response strategies
Investment strategy adjustments under policy changes
Establish comprehensive prevention and control system for various risks families may face, ensuring financial security.
Adults are the family's economic pillars, prioritize protecting adults' life and health
Health protection takes priority over investment-type insurance
Determine coverage reasonably based on family income and debt
Annual premium expenditure should not exceed 10% of family income
Provide economic support for family after death of main economic pillar
Cover major illness treatment costs, supplement inadequate social insurance
Disability, death and medical expenses caused by accidental injuries
Loss protection for family property, vehicles and other physical assets
Divide assets into three liquidity levels based on fund usage time and risk tolerance
Daily expenses, emergency fund, short-term investment opportunities
Medium-term financial goals, education fund reserves, home exchange funds
Long-term wealth appreciation, retirement pension, wealth inheritance
Analysis of expected return vs maximum drawdown ratio
Correlation assessment between different assets
Portfolio performance under extreme market conditions
Asset liquidation capability and time costs
Financial goals corresponding to the Twelve Lives Model achieved in phases