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一、保险“10定律”保险是家庭的必需品。但总有这么一个现象:要么花了太多钱买保险,要么保额不够。那么,应该要买多少保额?负担多少保费才恰当?很简单,记住两个“10”:保险额度为家庭年收入10倍,总保费支出为家庭年收入的10%。二、投资股票“不超过30只”虽说不能把鸡蛋放在一个篮子里,但篮子太多也不利于财富的积累。如果想获得较高收益,买股票最好不要超过30只。因为超过30只的组合,其平均收益与大盘基本没有区别,还不如去买更便宜又
First, the insurance “10 law ” insurance is a necessity for the family. But there is always such a phenomenon: either spent too much money to buy insurance, or insured enough. So, how much insurance should be paid? How much is the premium? It’s easy to remember two “10s”: the insurance premium is 10 times the annual household income and the total premium is 10% of the annual household income. Second, invest in stocks “not more than 30 ” Although you can not put eggs in a basket, but the basket is not conducive to the accumulation of wealth too. If you want to get a higher yield, it is best not to buy more than 30 stocks. Because more than 30 combinations, the average return and the basic no difference between the broader market, might as well buy cheaper