标准普尔家庭资产配置图，尽信书则不如无书
标准普尔家庭资产配置图，大名鼎鼎，花凋见过一眼后，就没再理它了，现在为了挣她币，又去看了眼。为啥？根本就不符合中国国情嘛，谁全盘接受，谁就输了。为了不盗图，就手工敲下标准普尔家庭资产配置图
https://www.talicai.com/post/data:image/png;base64,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
花凋第一次看这张图的时候，简直就惊呆了：这还让不让人活了，真按照这个来配置资产，怎么活？生钱的钱占去了30%，保本升值的钱占了40%，买保险占了20%，只剩下10%来家庭开销？年入10w，要花2w来买保险，脑子进水了还是家里有矿钱多得没地方花了？年入10w，一年只花1w，别的全拿去生钱升值？一家人光吃馒头和咸菜吗？
其实，标准普尔家庭资产配置图，最大的用途只有一个：提醒大家，钱要分成几部分，不能全用来开销了，备用金、保险、生钱、保本的钱一个都不能少。想想身边多少人没买保险，就知道这张图的好处了。但是，至于比例分配吗？千万不能生搬硬套。在花凋看来，不同的人生阶段，比例分配是完全不一致的。
刚毕业的时候，收入低，开销大，要租房，人情往来，父母要孝顺，要继续提升自己。很可能月收入5k，租房就要2k。这时，拿收入的70%去投资，考虑养老金，实在是不合时宜。最重要的是：标准普尔图中的前两项：备用金、保险。在刚毕业的时候，应该拿全部的结余去把备用金和保险这2个账户准备好。别的就先别想了。投资理财嘛？反正定投100起，先开始也好。保险，千万别想着拿20%的收入去买，应该在确定保额的基础上，保费越低越好，结余多点，买终身，结余少点，买定期。这时候全力考虑的就是不要让自己因病致贫因伤致贫，不要因为突然失业而无米下锅。@脑花香菜折耳根 财蜜说得好，贫穷的怪圈，如果掉进去了，可能真的很难爬出来。
过几年了，考虑买房结婚生子了，应该在准备好备用金和保险这2个账户的基础上，别的钱都以“安全保本流动性好”为主。保险嘛，可以考虑增加终身的了，因为毕竟年轻，保费便宜。有人说，正好赶上了5星级机会，该不该把钱拿去投资理财？只问一句：你还买不买房？不买，就一把梭了，如果要买房，哪来的钱投资？
房子买了，小朋友也有了。家庭的收入也蹭蹭的涨。保险，同样的道理，该配的配，意外、寿险、重疾、医疗，都配上，保额一定，保费越低越好。可以考虑第3、第4个账户了。
激进点的，可以把房贷作为一个硬性支出，放到第一个账户里考虑。然后把其余的结余拿来分配给第3、第4个账户。至于比例，第3个账户是生钱的钱，重在收益，股票、基金、房地产等。第4个账户是保本升值的钱，养老金、子女教育金等，本金安全、收益稳定、持续成长。花凋认为：投资理财的钱和子女的教育金等放到不同的账户里，是很好的做法。小她里就有财蜜买了很多国债，给子女存教育金，给自己存养老金的。至于两个账户的比例分配，完全可以按照实际情况来。比如小孩还有12年才上大学，完全可以把子女教育金都投到指数基金中去，比买国债收益要高一点。如果已经给小孩准备了100w的国债做教育金，自己又有房租当养老保险，还要把收入的大部分拿去补充第四个账户，就更没有必要了，完全可以全扔到第3个账户里去。
保守点的，房贷没还完就不安心的，则优先补充第四个账户，什么时候可以覆盖房贷了，什么时候再考虑第三个账户。毕竟那时的抗风险能力就更强了。
一句话：根据个人实际情况和抗风险能力，先把第四个账户补充好，子女的教育金，要还的房贷，自己的养老金，都准备的让自己安心了，再全力以赴第三个账户也不迟。至于投资方式，自己看着办吧，只能说，国情不一样。
房贷还完了，收入更多了，家庭资产也更多了。嗯，钱多就是好，爱怎么配置就怎么配置吧。资产1000w，就是想拿200w买返还型保险，土豪随意。甚至钱多得不想买保险，保额几十万没意思，要想保额上千万得买好多家的保险，太麻烦。嗯，有钱就是好。
说说花凋的资产配置吧，刚毕业时，不懂买保险，但已经知道了备用金的必要性。第一年的收入基本就用在生活开销、人情往来、还助学贷款等地方了，还有就是在卡里存了点钱，不会让自己断炊。定投的钱很少，比例可以忽略不计。
过了几年，保险意识萌发，大概花了年收入10%左右，给自己和老公配了终身重疾险，生活开销大概在30-40%吧，没有房贷。其余的钱全部定存，一点点钱定投，比例可以忽略不计。
买了房之后，重新划分收入分配。生活开销（含房贷），希望控制在收入的40-50%以内，其实花凋希望更低一点的。但是，好生活谁都想要的，过得开心不就是花得开心嘛。保险嘛，陆陆续续又加了点，保费大概占年收入的6-8%吧。其余的钱，一方面加大了定投额度，同时拼命补充第四个账户。现在，第四个账户已经成功覆盖房贷了。于是，花凋的策略变成了：所有的结余都往定投里扔，遇到5星级机会，就取部分第4账户里的钱，投到定投里去，赚钱出来后，再投到第4个账户里去。
总结：对于普通人来说，在任何时候，第一个备用金账户和第二个保险账户是必不可少的，一定要补充好这2个账户。然后，可以根据自己的实际情况和抗风险能力，来分配第3个投资理财钱生钱的账户和第4个保本安全性为主的账户。
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