Let Higher Paid People Fly Higher

In the past few years, the position and income of the wife have been rising, and now it has reached 15 thousand yuan, but the income of the husband has been maintained at around 3000 yuan a month.

With this kind of "good salary", how to deal with all kinds of financial problems in the future? Ms. Zhang Ying, the heroine of the woman's voice, is now a manager of a foreign-funded enterprise. She was born in 1977, and has worked for over 7 years, with a monthly income of up to 15 thousand yuan.

Mr, 30, is an ordinary business employee with a monthly income of 3000 yuan.

Zhang Ying said: "my life is actually very simple, the work is really busy, so the daily cost is not much.

"Zhang Ying and his husband now need to pay the monthly mortgage repayment amount of 3100 yuan.

The basic cost of living is about 1000 yuan, and shopping expenses are about 500 yuan, and the average cost of nutrition and medical care is about 100 yuan per month.

So their monthly balance is pretty good, at around 13 thousand yuan.

By the end of the year, the year-end bonuses of the two people totaled about 60 thousand yuan.

Deposit interest is estimated at around 3000 yuan.

After deducting 6500 yuan of insurance premiums, the annual large balance is more than 50 thousand yuan.

However, I am too busy to invest and manage money, so though I have quite a lot of balances every month, I never invest in anything.

Now I hope that the experts can give me some advice to extract a certain proportion from the monthly and annual income balances, so it is best to keep the capital and earn a certain amount of revenue in order to resist future inflation.

"Two, financial goals, A, and I want to accumulate gold for my husband." you know, my husband and I have a big difference in the current income ratio, although I do not ask for a higher income than my income, because neither of us is very keen on consumption.

However, the company's current performance is not good, and it is likely that it will be acquired by peers in a few years.

So we talked about whether we should accumulate a sum of money in the next few years, and then he would jump out and start his own business and start a small company.

People say that trees move to death and people move to live. I feel that their abilities are not bad. Maybe they can make them feel more fulfilled.

"Zhang Ying said the idea of the couple. They want to accumulate 200 thousand yuan for their business under the premise of ensuring the quality of their lives.

"B, 5, 6 years later to pay off the mortgage," in addition, I have another idea, that is, at the age of 35, that is, 5 or 6 years later, all housing loans.

"At present, the Zhang Ying family still has a loan balance of 430 thousand yuan.

The specific assets of their families are 25 thousand yuan in cash and current accounts, 150 thousand yuan in time deposits, and 20 thousand yuan in gold and silver jewelry.

In addition, it is the home occupied mortgage house with a market value of about 1 million yuan.

C, early planning for future protection "although we have not yet decided whether to have children in the future, we hope that we can plan rationally from now on and prepare for the elderly and medical care.

After all, the competition for jobs is too intense now. If he goes to start his own business, his future development and income will not be safe enough.

"This is another financial goal of Zhang Ying.

The existing insurance varieties are Zhang Ying's 200 thousand yuan ordinary life insurance, Zhang Ying 200 thousand yuan amount of accident insurance, and Mr. 300 thousand yuan amount of accident insurance.

The other is the "four gold" insured by two people in their respective units.

Three, family asset allocation proposal A, family income and expenditure analysis, from the present situation of Zhang's family, let us see a new generation of women who work hard and work diligently and frugal.

Apart from the monthly loan of 3100 yuan, the other living expenses are only 1600 yuan, accounting for 8.8% of household income and 13300 yuan per month, which is in sharp contrast to the majority of high-income moonlight families.

B and family asset liability analysis will carefully examine family assets and liabilities.

Ms. Zhang and Mr. Zhang are obviously very traditional and conservative in managing finances. Family assets are basically deposits and no other investments, except for self occupied housing and some personal gold and silver ornaments.

But it is worth mentioning that Ms Zhang and Mr. Zhang are very conscious about insurance, and both of them have purchased insurance, and the amount of protection is basically the same as that of their loans.

In order to meet the financial objectives of Ms. Zhang's family, we have prioritized the financial goals of C and family financial management. They are: 1) through the investment requirements, we maintain capital gains and have some benefits to resist inflation.

2) before the age of 35, the mortgage can be repaid.

3) in the next few years, we will accumulate 200 thousand venture capital for our husband.

4) prepares for old age and medical care.

We believe that the above objectives of Ms. Zhang's family are very practical and interrelated.

For example, according to the current repayment schedule, the loan balance of the family in 6 years should be around 340 thousand yuan. If we want to pay off the loan in 6 years and save a sum of 200 thousand yuan, we need additional preparation of more than 600 thousand yuan.

Only through reasonable asset allocation, can investment be profitable, and after 6 years, it will be able to repay the mortgage and accumulate venture capital.

In the process, in fact, it is also preparing for the future retirement and the birth of their future baby.

Four, financial advice, aiming at the financial goals of Ms. Zhang's family, we have the following suggestions: 1) to reduce cash and cash, and to buy part of the money fund, which not only guarantees liquidity, but also has better income.

At present, the interest rate of personal loans of banks is relatively high, and the investment income of the capital market is uncertain, taking into account that the accumulating speed of the monthly capital balance of the family is quite fast.

Therefore, it is suggested that Ms. Zhang consider using 100 thousand yuan to repay loans in advance, and reduce the pressure of early repayment.

2, the monthly balance is 10 thousand yuan, and 2~3 is regularly invested in stock funds and mixed funds with better performance to share the growth of the stock market.

Busy working white-collar workers like Ms. Zhang are the best choice for experts to manage their finances.

3) the annual balance of the year can find some relatively safe and stable financial products.

For example, banks' RMB financial products, treasury bonds and capital preservation funds are basically guaranteed floating income or fixed income.

It is estimated that the annual average return of the fund will reach 5% and the annual balance return will be 3%, so that the financial assets of the family after 6 years will be about 1 million 300 thousand yuan. In addition to repaying the loan and raising the venture capital, it can also lay a solid foundation for the elderly.

Of course, another radical investment strategy is to temporarily repay the loan. Instead, it will invest 100 thousand yuan in the current deposit to invest in the stock fund, and the average return will be higher in the case of the bull market.

The so-called "high yield and high risk" strategy should be determined by personal risk tolerance and risk preference.