financial planning techniques For newbies learning to save.

financial planning techniques For newbies learning to save.

financial planning techniques A helper to make friends learn how to split their savings easily. on their own more efficiently. by dividing the first part into The part that is used as liquidity, such as a savings account The other part is responsible for protecting the money raised, such as life insurance, and the last part is used for investments to make money grow, such as mutual funds.

👉🏻Start saving

Must have more income than expenses And take the remaining money from expenses for things that are necessary such as house, car, food, etc., divided into 3 lumps, divided according to the duration of the financial plan. with both short-term, medium-term and long-term

👉🏻Short Term : 0-1 years

It is money that is kept in reserve for expenses in various emergency situations that must be at least 3-6 times the necessary expenses each month. which should be stored in the form savings account or money market funds due to low risk and can be withdrawn as soon as there is an emergency

👉🏻Medium Term : 3-7 years

It is money saved for things that you want, need, or for your future dreams. which should be stored in the form Mutual funds or real estate and alternative assets to cover future inflation risks.

👉🏻Long Term : More than 7 years

It's money saved for retirement. or in long-term investment Can be kept in the form of mutual funds, mutual funds for tax deduction, SSF and RMF, life insurance and other alternative assets to prevent future financial problems in the long run.

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