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家庭理财四账户(需求启发)-学习笔记

  • 2026-03-22 17:47:54
家庭理财四账户(需求启发)-学习笔记
打开主题之前的导入话题——
您之前有买过保险?(有买过的给客户做保单检视和保单托管)
您是如何看待保险的?
保险其实就是在特定的时候给我们一笔钱,来保证我们的生活资金不被打断,生病的时候给钱,人不在了给钱,意外的时候给钱,老了需要养老金的时候给钱,上学教育的时候给钱,其实保险是跟我们家庭的财务有很大关系的,你同意吗?
你有没有想过,其实家庭财务是跟公司财务一样的,有收入,有支出,有资产,有负债,公司有专门的财务进行管理,那你有对你们家庭财务进行管理吗,是怎么管理的?
其实很多家庭都没有做好理财的管理,不如我花10分钟跟你讲讲科学的家庭理财私账户,让你清楚家庭财务应该如何管理,好吗?
首先第一个必须要有的是我们的日常支出账户,就是放我们日常要花的钱,生活中的吃穿住行,房贷,养车,孩子教育,老人赡养之类的,你们家一般每月支出多少有算过吗?广州的中产家庭一般是1-2万一个月,比较正常的
第二个是很多人都要有一个投资账户,比如股票,基金,这是一个钱生钱的账户,收益高但是同时也存在很大的风险,可能连本金都会亏掉,这个要看自己的投资能力,是一个风险性的账户
第三个就是储蓄账户,为我们准备将来一定要用到的钱。比如教育金,养老金,备用金,这个账户要求安全无风险,钱要保本,最好能增值的,但是很多人会把这个账户和投资账户搞混了,把养老的钱放在股票。
第四个就是保障账户,防止因病返贫,这个账户需要具备杆杆功能,以小博大,用每年小部分的收入来覆盖大的风险,用来报名。保障账户一般就是社会保险+商业保险。
好的,现在您对家庭的财务配置有比较清楚的了解吗?我们保险经纪人可以帮您规划保障账户和储蓄账户,您对哪方面比较想深入了解呢?或者我给您讲讲保险的全功能。
在保障账户里面,我们的医疗险和重疾险就是解决病有所医,寿险就是故有所配,意外险的话意外最严重可能会导致身故或者残疾,残疾之后长期生活会有很大的问题,也会有一定的钱赔付
那么储蓄账户我们有两大类的保险,一种是年金险,一种是寿险。用保险来做储蓄规划可以保障资金安全保本,还能锁定终身利率,专款专用。年金险方面,养老年金帮我们解决的就是老有所依,教育金就是幼有所护

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  139. /yingpanguazai/ssd/ssd1/www/no.67808.cn/runtime/temp/6df755f970a38e704c5414acbc6e8bcd.php ( 12.06 KB )
  140. /yingpanguazai/ssd/ssd1/www/no.67808.cn/vendor/topthink/think-trace/src/Html.php ( 4.42 KB )
  1. CONNECT:[ UseTime:0.000477s ] mysql:host=127.0.0.1;port=3306;dbname=no_67808;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000788s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000322s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000261s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000493s ]
  6. SELECT * FROM `set` [ RunTime:0.000213s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000572s ]
  8. SELECT * FROM `article` WHERE `id` = 476524 LIMIT 1 [ RunTime:0.000479s ]
  9. UPDATE `article` SET `lasttime` = 1774179048 WHERE `id` = 476524 [ RunTime:0.004175s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 65 LIMIT 1 [ RunTime:0.000241s ]
  11. SELECT * FROM `article` WHERE `id` < 476524 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000451s ]
  12. SELECT * FROM `article` WHERE `id` > 476524 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000379s ]
  13. SELECT * FROM `article` WHERE `id` < 476524 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.000641s ]
  14. SELECT * FROM `article` WHERE `id` < 476524 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.003545s ]
  15. SELECT * FROM `article` WHERE `id` < 476524 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.001586s ]
0.088295s