Middle Income And Heavy Burden On The 80S, "Sandwich", Big Money And Big Money.

　　 Conduct financial transactions Reality show:

Mr. Wang is 25 years old. He works in an enterprise with a monthly salary of about 7000 yuan. His job is relatively stable. welfare The total amount is around 5000 yuan. Ms. Li, a 27 year old wife, has a monthly salary of about 8000 yuan, and is expected to continue to grow and upgrade in recent years. At present, the couple have Poussin, a monthly allowance of about 1500 yuan, and another deposit of 200 thousand yuan. The monthly expenditure includes 1500 yuan for raising children, 2000 yuan for both parents and 600 yuan for entertainment. In terms of family protection, Mr. Wang has no insurance now. Ms. Lee paid 600 yuan (to 60 years old). Insurance The fee is 2000 yuan per year (to 50 years old). There is no mortgage pressure on the couple, but there are plans to buy a house, the price is expected to be 7000 yuan / square meter.

1. Mr. Wang is currently living with his parents. Recently, there is a plan to buy a house, so the assets at hand need to be reconfigured.

2. family financing means only one deposit is too single. In the inflation cycle and demand for housing, under the premise of ensuring a more stable, can seek a higher return on investment.

3. both the hostess and the child have purchased insurance. In the long run, the male owner, who is half of the family's income, should have an insurance policy for himself. In fact, for many small white collar workers, it is one of the best ways to manage their finances.

Financial Manager Analysis:

　 We found that Mr. Wang's current expenditure is not very large, with a monthly income of over 60%, with a net income of 115 thousand yuan a year, plus a deposit of 200 thousand yuan, which seems to have plenty of assets. But considering that the Post-80's couples are faced with three tasks of buying a house, raising their children and supporting their parents, the future of the sandwich class is still a burden.

First of all, Mr. Wang family purchase plan, because the intention to purchase 7000 yuan / square meter of the house, so the burden will be relatively small, 80 square meters of the total price of the house is around 600 thousand yuan, but once the house, the savings on hand will basically burn up, so we must accumulate wealth through reasonable financial management. Secondly, the problem of children's education is that the young couple must plan now. Nowadays, the cost of education is increasing. From kindergarten to university, every stage brings great economic pressure to their parents, so young parents need to take precautions.

Finally, after 80 years of age, the young couple are the "sandwich class" who have the old, the small and the mortgage. When they work hard, they must never forget their own health protection.

Financial planning proposals:

1. apply for provident fund loans: choose a house with an area of about 80 square meters, the total price of the house is about 600 thousand yuan, the down payment is 120 thousand yuan, and the remaining 480 thousand yuan can be funded through the provident fund loan. Provident fund loans for 30 years, according to the current rate of 3.87%, the monthly repayment of about 2255 yuan.

2., leave the emergency reserve fund: leaving 20 thousand yuan from the remaining 80 thousand yuan for the purchase of housing, in the form of fixed deposit or monetary fund, in order to prepare for a rainy day, and under normal circumstances, it can also get about 2% of the profits.

3., choose the bond surplus products to achieve sound financial management: the remaining 60 thousand yuan, plus the monthly income balance, according to the risk preferences and actual situation of Mr. Wang's family, you can choose some sound financial products, such as the 6 month bond profit series launched by Shanghai Pudong Development Bank, with an annual yield of 2.95%.

4., small money will be used in large quantities. The fund will invest and reserve funds for Education: spend 1000 yuan a month to invest two funds.

5., we should appropriately adjust the plan and ensure family security. The annual premium of Mr. Wang's family can be raised to 10 thousand yuan. Mr. Wang should choose an annual insurance of about 3000 yuan, focusing on the protection of major diseases. In addition, increase the insurance expenditure of his wife Lee to 3000 yuan, in order to get a more comprehensive protection.