Single Female White-Collar Financial Management: Lock Up Fund Portfolio &Nbsp; Diversify Investment Risk

A single woman has a happy life but faces potential problems.

[main character]

Female white-collar monthly balance 5000 yuan

Miss Miao, a staff member of a foreign company in Dalian, is 28 years old.

month

My father, 53 years old, is self-employed, with a monthly surplus of around 2000.

Mother, 53 years old, farmers, no income.

My brother does IT business in Beijing. The monthly income after tax deduction is about 8000 yuan, and the family is about 12000 yuan a month.

Because parents are living in rural areas and living in their classrooms, there is no room for rent.

The current deposit is about 200 thousand yuan.

Financial targets: because housing prices are too high, there is no purchase.

I want to buy a house of about 60 square meters in five years to get married to my brother. If my brother settles in Beijing, I leave it to my parents.

The existing funds want to make some investments, make some funds or stocks, and also want to buy some stable funds with little risk.

The parents are 53 years old and want to buy insurance for two old people. The type of insurance is uncertain.

[financial advisor]

Li Honghui, financial planner of Dalian branch of Ganjingzi branch of Agricultural Bank of China, Yao Hui, Guangdong Development Bank, Dalian branch, financial planner.

Bai Yan Qing, Dalian Certified Financial Planner

[analysis]

Miss Miao belonged to the white-collar workers of the floating family.

At present, the annual income of the family is 224 thousand, and the annual expenditure is 72 thousand (including the five insurance payments it pays), with an annual balance of 152 thousand.

From the overall financial structure of MS Miao's family, the balance is relatively reasonable.

From the perspective of security, although Miss Miao has basic social insurance, it also needs to increase the commercial insurance of the guarantee type as a supplement.

At present, Miss Miao's only way of managing money is to have all the money left behind in the bank. Although the liquidity of the funds is strong, it does not make the idle funds play the role of value-added to the maximum extent, and it also suffers from the erosion of inflation. It is very worthless and should increase assets through investment.

About 150 thousand of the disposable funds can be used for financial products with higher returns than bank deposits, so as to reach the level of income and speed up the realization of financial goals.

At the same time, assets should be allocated for real estate investment.

What is worth Miss Miao's attention is that once the younger brother gets married, the family's cash flow will change.

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[weapon]1

Lock in fund portfolio and diversify investment risk

Financial Manager: Li Honghui

Trick now, income savings can be realized within 5 years.

Assuming that five years later, buying a house, the first payment is 156 thousand, and the balance is 364 thousand yuan. The combined loan method of 150 thousand provident fund loans and 214 thousand yuan commercial loans is adopted, and the repayment method of equal principal and interest is used. The term of the loan is 20 years.

Among them, the provident fund loan rate is 5.22%, the monthly supply is 1008 yuan, the commercial loan monthly payment is 1771 yuan, and the monthly repayment loan is 2779 yuan.

Two 3:4:3 proportional allocation of disposable assets

It is proposed to set aside 3-6 months' monthly expenditure of about 30 thousand yuan as an emergency reserve fund, which is allocated to both current and monetary funds, so as to give consideration to both liquidity and profitability.

Disposable assets are recommended to be allocated in 3:4:3 ratio to products with no risk assets, income assets and sound earnings.

The risk-free assets selected can be deposited into the bank's time deposits and treasury bonds according to the length of their life, and the security of the interest raising assets can be guaranteed.

The growth of asset allocation can consider the purchase of closed-end funds and equity funds with higher discount rates.

Prudent fund investment can consider the purchase of bond funds.

The above investment portfolio takes into account the demand for capital appreciation, reducing the overall investment risk and liquidity. The expected annual yield is around 12.5%, and the probability of reaching this yield is around 80%.

The annual net cash inflow of households is suggested to take appropriate investment proportion of products to fund investment, which has advantages such as cost sharing and risk diversification.

Trick three buying insurance according to parents' actual situation

Since Miss Miao's mother has no source of income, she should pay special attention to the pension function of insurance when buying insurance for her, and suggest that she should buy joint life insurance for her mother.

When the father is a self-employed person, he has a higher probability of unexpected accidents. At the same time, he must take into account that once a serious illness or an accident occurs, it is necessary to ensure that a mother without financial resources can maintain his life. He suggests buying an accident and a life insurance for his father.

[weapon]2

Increasing investment in insurance and stabilizing investment

Financial Manager: Yao Hui

A $24000 emergency plan.

As a single white collar, Miss Xiao should set up an emergency fund for herself to cope with the unexpected needs of unemployment and illness.

The emergency fund is usually 6 times the monthly expenditure, at least 4000 yuan per month, at least 24000 yuan. The fund can be allocated in cash, demand deposits and money market funds. It can also get relatively high returns while maintaining high liquidity.

Two recommended loans to buy second-hand housing

Although Miss Miao is not paying rent at the moment, she lives in a classmate's home, but it is not a permanent solution.

At present, the price of the new housing market is too high. It is suggested that Miss Miao first consider applying for a commercial mortgage loan to buy a second-hand house, and use part of the monthly income to repay the loan.

Secondhand houses can be sold or rented after changing rooms.

Trick three maintain liquidity

The existing deposit is 200 thousand yuan: (1) it is recommended to deposit 50 thousand yuan for the steady fund of GF and south fund companies. It has good liquidity, expert financial management and management standard.

Because the stock market is unstable this year, it is not recommended for clients to invest in stocks. (2) it is recommended to deposit 100 thousand yuan into the bank or to participate in the bank financial planning. (3) it is suggested that 50 thousand yuan in the deposit be left to the father's business turnover fund and his brother's marriage preparation. If there is no immediate use, the fund can be purchased for the bank's guaranteed financial products. (4) the monthly salary balance can be purchased by the money fund, which ensures that the funds are safe and the proceeds are better, and follow suit.

3, insurance planning: the physical condition of two elderly parents is getting old with age, and there is no medical insurance.

It is recommended to purchase insurance from parents on both sides of the monthly income balance: (1) Corelle life health insurance, the father pays 2340 yuan per share per year, the payment period is 10 years, the mother pays 2310 yuan / share a year, the payment period is 10 years, if there is a major illness, 30 thousand yuan / compensation is granted; (2) both parents purchase one personal accident risk, 200 yuan each, and an accident hospitalization can be reimbursed 5000 yuan / share.

Four reasonable use of credit cards

Other planning: it is suggested that Miss Miao use credit card as the main means of payment for daily consumption. The use of credit card financing can start from two aspects: first, it is easy to keep accounts, because credit card monthly bills will list consumption dates, merchants and amounts, and accumulate data for a period of time to summarize, sort out and analyze them. Then we can see the necessity of each expenditure from the billing analysis. This will provide reference for reducing unnecessary expenses in the future. Two, we should make full use of the interest free repayment period of credit cards, grasp the repayment period, and make full use of the interest free loans provided by banks, so that we can build up personal credit while enabling the funds to get higher returns.

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[weapon]3

Young people can pay attention to new secondary housing

Financial Manager: Bai Yanqing

In today's era of negative interest rates, the income of non professional financial officers investing in stock funds may not keep up with the rising speed of property prices, and family assets can not achieve good value-added.

Therefore, it is suggested that Miss Miao give up the idea of buying real estate in 5 years, and consider buying a new two - bedroom house with a shorter life span in the year.

In view of the limited family assets at present, the total investment will be controlled at around 400 thousand yuan. We can consider adopting a down payment of 200 thousand yuan and adopting a provident fund loan of 200 thousand yuan to enjoy a lower loan interest rate.

The choice of 25 years' time can effectively control the early repayment pressure, so that the monthly supply will be about 1300 yuan, accounting for only about 16% of the monthly wage income, and the financial pressure is not large.

After the purchase of real estate, the surplus funds can also be regularly invested in fund varieties for long-term investment and efforts to accumulate household interest assets.

When family income and investment increase rapidly to a certain extent, the small house will be replaced by the big house to achieve the ultimate goal of housing purchase.

The key to financial security for the elderly

For the elderly, financial security is the key to financial management. On this basis, we should consider doing some flexible allocation.

Inflation was about 3%, and now it is around 8%.

When old people invest in financial portfolios, the annual growth rate of funds must be greater than 8%.

But conservative financial management is still the bottom line for the elderly. After all, for them, pension is the first.

It is suggested that Miss Miao allocate funds reasonably for her parents, focus on bank deposits and treasury bonds, and make a relatively small amount of money for "radical" investments, such as funds.

Old people must not take stock and other high-risk investment methods as their main means of profit, which is not conducive to good health.

It is suggested that elderly people can invest in a similar way.

In short, it is to invest a sum of money to invest in products such as funds and other good returns and redeem them regularly.

In this way, there will be a relatively fixed fund to enter your account every month.