Single Entrepreneurial Female Financial Management Case

Single entrepreneurial female financial management case

Miss Bi, who was born in 1978, still has no intention of marrying. She feels that a person is free and very good.

She ended her career 5 years ago and joined herself in her own business. She started a brand clothing agency.

After years of hard work, her business gradually stabilized, earning about 240 thousand a year.

Miss Bi has a higher pursuit of quality of life. The monthly cost of living is about 7000 yuan, including 2500 yuan for rent, 2000 yuan for her parents, 650 yuan for her freelance social security monthly, and the rest is spent in daily consumption.

In addition, traveling abroad costs about 10 thousand yuan a year.

More than 10 thousand yuan of monthly balance is used as a liquid fund for rainy days.

At present, Miss BIE's current deposit is about 50 thousand yuan, with a fixed deposit of 200 thousand and a stock fund of 50 thousand yuan.

Miss Bi has some problems in buying houses.

On the one hand, she felt that housing prices were too high and might be callback in the future. On the other hand, she thought that a house of her own was more peaceful.

Recently, Miss BIE began to think about her old age.

"I have been hesitant to make a pension fund, or to buy an old-age insurance.

The security company's friends let me do the investment fund, the insurance company also stressed the stability, saying that there is no risk to buy pension insurance.

I want to hear the advice of a financial planner. "

Financial help:

1, is it the right time to buy a house?

2, if the purchase, how to increase revenue and reduce expenditure?

3, how to plan for the future pension?

financial analysis

Free life, lack of investment and protection

Miss Bi's single life is free and easy, but it faces potential financial pressure.

Her total assets are 300 thousand yuan, the monthly income is 20 thousand yuan, the total expenditure is about 8500 yuan, the annual sum can reach nearly 140 thousand yuan, the income balance ratio is quite high, and the expenditure arrangement is quite reasonable.

Miss BIE is now relatively stable in income, debt free and financially secure.

Investment is relatively simple, mainly invested in funds and bank deposits, and the proportion of bank deposits in total assets is as high as 83%.

It can be seen that Miss Bi has a large number of funds idle, and she does not have any commercial insurance, and there is a big lack of investment and insurance protection.

In order to ensure the independence, freedom and freedom of life in the future, so that it will not get bogged down in the "famine" of giving up a certain expenditure because of the lack of income at a certain time, Miss BIE needs to seek professional financial advice, arrange financial affairs reasonably, balance the current and future receipts, and establish a new balanced and harmonious life style.

[purchase] preferred small apartment secondary building

Will housing prices rise or fall this year? It is hard to judge the current situation. For example, Guangzhou has been keeping the $5 mark for the first time in a row for a long period of time. Many people in Guangzhou have lost confidence in their housing prices returning to below 10000 yuan for a long time.

Since Miss BIE spent 2500 yuan a month on renting a house, it would be better to sell it when it was launched.

Since Miss Bi has no intention of marrying yet, it is suggested that the purchase should be mainly based on small apartment, good location and convenient pportation.

You may choose to take care of business near your own brand clothing agency on the one hand, and save part of the pportation cost on the other hand.

It is suggested that one small room with 40 square meters should be selected, and the second floor should be considered first.

This can meet the needs of the family, and will not cause too much economic pressure.

Moreover, it is also necessary for the future whether to become a family, and whether to buy large apartments with room for change after buying a home, because small apartments with good lots are easy to lease and easy to sell.

In view of the current expenditure items of Miss BIE, in fact, she does not have many luxury items. Basically, it is a reasonable consumption that must be paid.

If Miss BIE purchased 40 square meters of small apartment type second-hand housing, then the use of bank mortgage loans (recommended two weeks supply mode), basically will not cause too much economic pressure.

[open source] reasonable matching fund

Miss Bi accounted for 83% of her capital bank deposits. In fact, Miss BIE did not need such a large amount of working capital.

Cash reserves are usually the sum of 3-6 months' basic personal expenses, which can cope with unemployment and other special circumstances to maintain normal life.

According to 3 months' calculation, Miss bank's current account deposit of 20 thousand yuan is more reasonable as a personal emergency fund reserve.

Assuming that Miss Bi's home purchase is down to 180 thousand and the emergency fund is 20 thousand, the remaining investment is 50 thousand yuan monthly plus 50 thousand yuan equity fund.

Long term investment insurance + short term medical insurance

How is the future pension plan planned? Here we plan together with the medical care of Miss Bi.

Although Miss Bi bought the social security system, the medical care and the old-age pension in the social security system only played the basic social security function, and the social security medical reimbursement scope was small and the proportion was small.

No matter whether she is married or not, she should supplement her commercial insurance to improve her living security and enhance her ability to defend herself against accidents.

It is suggested that Miss Bi buy insurance with investment nature.

First, it can resist inflation and will be pensions in the future. Secondly, it is an unbalanced premium in the aspect of medical insurance cost, that is, when young, it can use the low premium to obtain a high premium; third, it is flexible to cash in, and it can be removed at any time when it is used urgently.

With short-term medical insurance, this is all done from the out-patient clinic with sprain, to the hospitalization of diseases, and to the protection of major diseases and pensions.