After 90, they are all over 30, and this group has become the backbone of society. The income of the post-90s generation is generally relatively high, and everyone is no longer willing to put their money in the bank, but has devoted themselves to the investment market. What aspects should be considered in making a 30-year-old financial planning? Today we will make an investment plan for you:

1, you can't save less. At any time, everyone should have an appropriate deposit to deal with emergencies or risks. You can adjust it according to your personal situation. Generally speaking, it is recommended to allocate according to the ratio of 15-20% per month.

2. invest in stocks and funds. The post-90s generation generally attaches great importance to investment income, so stocks and funds account for a relatively large proportion in the investment plan, and it is suggested that they can be allocated according to the proportion of 40%. If you have a strong ability to take risks, you can allocate more stocks; If more stable investors can choose to allocate more funds, they can also make appropriate adjustments according to the market conditions during the period.

3. Buy bonds. Bonds are less risky. If it is risk-averse, you can choose to buy more bonds, with higher returns than savings and lower risks than equity funds. You can choose to invest about 20%.

4. Insurance can't be ignored. Although the post-90s generation is young and healthy, and the incidence of sudden illness is relatively small, they are not afraid of 10,000 yuan, just in case, insurance will always be an indispensable part. You can choose to allocate a 5% investment ratio.

5. You can also choose other investment products such as real estate and gold. If you have a balance in addition to the necessary expenses every month, you can choose other investment products, enrich your investment categories, let the idle money flow and bring more benefits to yourself.