Financial Management Depends On Goal Orientation. It Is Difficult To Apply Unified Mode.

　　 Financial planning is different from person to person, so it is difficult to apply unified mode.

Ms. Mei, for example, has more than 300 thousand yuan on her hands. Is it necessary to pay off the loan first, or to buy an apartment in the center of her hometown for investment? For MS Mei, the two options are feasible and the key is her. Financial goal orientation 。

The reason for paying off the loan is to choose a relaxed life. Ms. Mei now has two suites, a set of self occupied apartments, and a loan balance of 650 thousand yuan. After using the provident fund, she will repay 4000 yuan a month. Owing to the fact that the loan has been repaid for only one year, if it can repay the loan ahead of schedule, it will undoubtedly save a lot of interest. It is wise to make such a choice in the current interest rate hike. "No debt is too light," and MS Mei's financial goal is very simple. She reserves the cost of studying for her son, and reserves the pension for the couple.

The reason for continued investment is Resist inflation 。 On the one hand, Ms Mei's husband and wife are in good working condition, earning 400 thousand yuan a year after tax, earning 200 thousand yuan after spending their expenses, so it is a pity to have such a large cash flow and not to invest in financial management. Continuous high inflation will continue to nibble on their family assets. If the housing price of the three tier cities is expected to rise, the salary of Ms. Mei's family will remain stable or rise in recent years, then reinvestment may be more profitable for them. After all, the chance of 300 thousand yuan to buy a central city house is very rare. The annual rental income of 12 thousand yuan, the rate of investment report is 4%, plus the potential of house price appreciation in the future, this investment is quite attractive. Plus MS Mei's monthly repayment pressure of 4000 yuan is not great. Even raising interest rates will not affect family life. Why should we rush to repay the loan ahead of schedule?

In contrast, the choice of reinvestment is more radical, the choice of repayment is more conservative, whether it is to choose radical or conservative financial scheme, depending on the protagonist's value concept and financial goal orientation: hope to live a more relaxed life, or pursue a richer life in the future. In the case of two sets of options are feasible, the protagonist Risk preference Anticipation and confidence in the future, the design of financial targets is the key to choice.