The Husband And Wife In The Age Of No Doubt Have Fixed &Nbsp, &Nbsp, And Investment Funds For Their Children.

Both husband and wife were born in 1970. They are only 40 years old this year.

The husband is a self-employed man and his wife is a company clerk. They have been struggling for more than 10 years, and now they have all the cars and houses.

Now most families have only one child, and parents want to be able to get everything ready for their children.

Mr. Kim and his husband and wife are such a typical Chinese family. Most of their financial goals are for their children to prepare money.

While lamenting the poor parents' hearts, we also invited Liu Min, senior financial planner of China Merchants Bank, to provide suitable husband and wife for Mr. Kim.

Family situation:

Mr. Kim has a monthly income of 13000 yuan.

Husband 8000 yuan, wife 5000 yuan.

Monthly expenditure: 1000 yuan.

Family expenses 3000 yuan, other expenses 2000 yuan.

There are 1 Suites in downtown Linping, worth about 1 million yuan, and no loans.

Two years later, you can get 4 sets of back rooms, which are worth 1 million 500 thousand yuan.

Financial goals:

1, family security plan.

2, 7 years later, his son graduated from university plans to give him 1 million yuan venture fund.

3, by 2022, there will be 800 thousand yuan for the son to marry.

4, in 2030, when you retire, you can have a pension of 1 million 500 thousand yuan.

Arranged according to time: in 2017, a child graduated from university with a 1 million yuan venture fund.

In 2022, the cost of sons' marriage was 800 thousand yuan.

In 2030, he retired with a pension of 1 million 500 thousand yuan.

Financial analysis:

From the balance sheet and balance of payments table, Mr Kim is now at home maturity, and is a family with middle income, no debt, better financial condition and a larger capital income in the future.

But at the same time, there is still a lack of risk protection and old-age security.

In terms of family revenue and expenditure, there are 53% balances per month, without any debt, and a certain amount of savings, and the 20 thousand yuan activity is also able to act as an emergency reserve fund for family expenses.

The family financial situation is very healthy at the moment.

But we should pay attention to that Mr. Kim is a self-employed person. The source of income is not very fixed. Therefore, we must make early risk planning.

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Financial planning:

1, protection plan: Mr. Kim as the main source of family income, there is no guarantee at present, there is no doubt that the risk is very great.

From the basic needs, Mr. Kim needs the most regular life insurance and periodic serious illness insurance at this stage.

According to the life value method, the life insurance in Baoding is 1 million yuan and the risk of serious illness is 500 thousand yuan.

Mrs. Kim has a fixed unit and medical expenses such as a unit can provide part of the expenses. In response to the risk of serious illness, it is suggested that 300 thousand regular diseases should be purchased. At the same time, the wife's income also accounts for 38% of the family income. There should also be some guarantee for the regular life insurance, which is suggested to be 500 thousand yuan.

2, venture fund: 7 years later, Mr. Kim's son will graduate from university. In order to prepare this venture fund, we can start funding from now on.

According to the annual income of 6% of the fixed investment, the monthly balance of payments is 7000 yuan for the fixed investment. The existing fund is 230 thousand yuan (130 thousand yuan time deposit +10 million yuan stock fund), and after 7 years, it can reach 1 million yuan in the venture fund target.

3, the cost of marriage: 12 years later, Mr. Kim's son plans to get married, hoping to pay 800 thousand yuan in marriage fund.

From the perspective of encouraging sons to become talented, financial planners do not propose to pay the cost.

The venture fund, which had already given the son 1 million yuan, should not have used the parents' funds at this time.

If entrepreneurship is not successful, consider lowering the marriage standard.

4, pension costs: Mr. Kim's plan is in 2030, when he retired, he had a pension of 1 million 500 thousand yuan.

We can figure out whether the 1 million 500 thousand yuan pension is enough.

According to the current level of consumption (6000 yuan per month), by 2030, the inflation rate will be changed to 13 thousand yuan / month at 4% inflation rate. Although the education expenditure of children may be reduced in the future, it is also necessary to consider that the medical expenses will rise. Therefore, the pension needs to be planned according to 13 thousand yuan.

Assuming that the life expectancy of Mr. Kim and his wife is 85 years old, in 2030, when the two couples retire, the pension needed to be prepared is 2 million 530 thousand yuan (Note: at this time, I do not know how much the pension is after my wife retires. However, from the current pension standard, it is far from enough to meet the 6000 yuan standard at this stage).

So this pension plan is the focus.

Fortunately, in 2012, Mr. Kim will get a value of 1 million 500 thousand yuan to move back to real estate.

If these four properties are maintained and rented, the pension after 18 years is completely free from worry.

According to the price growth of 4%, the four units will be worth 3 million 30 thousand yuan in 2030.

According to the 4% rental ratio, after 2012, Mr. Kim will rent the four premises and earn 60 thousand yuan a year.

The 60 thousand yuan will compound interest in 2030 to 1 million 530 thousand yuan, and in 2017, after giving the son 1 million yuan venture capital fund, there will be a monthly balance of 7000 yuan for savings pension, and compound interest in 2030 will be 1 million 390 thousand yuan.

In this way, by 2030, Mr. Kim will have 2 million 920 thousand yuan in cash and 5 million 220 thousand yuan in real estate.

So Mr. Kim and his husband should be able to spend their financial freedom in their later years.

It is suggested that the living standard should be raised at the present stage. If we get back to the house, we will sell one of them, changing trains, traveling and fitness, improving the quality of life, so that the quality and length of life will be more plentiful.