Big City White-Collar Three Family &Nbsp; How To Manage Millions Of Dreams Of Wealth

As the home of three city white-collar workers, Mr. He's family Conduct financial spanactions Growth and risk coexist. The advantage is that the total income is higher and the burden is not heavy. The disadvantage is that the work of the wife is not stable. Almost all the income sources are concentrated on the husband. Moreover, in the 4 years after her daughter's college education, the family expenses increase, which requires a relatively stable financial environment. For this reason, it is suggested to adopt a prudent investment strategy, multiple prudent financial management and improve portfolio. Investment Yield.

Under this premise, it is suggested that the current assets should be allocated in three categories: conservative, aggressive and stable in proportion to 1:2:2. property Products. After detailed calculation of the rate of return on investment, no matter what changes the economic environment takes place, he will realize the dream of millions of yuan family wealth in 4~5.

case

Mr. He is a middle-level leader of a large enterprise. He is 45 years old and has an annual salary of 150 thousand yuan. The basic insurance of his unit is complete. The wife is 44 years old, is the enterprise temporary worker, the annual salary is 20 thousand yuan up and down, has purchased the medical insurance. My daughter is 18 years old. She has just entered the University and is going to study in the distance. He lives in a 90 square meter apartment in Haizhuqu District, worth 1 million yuan. Another bank deposit of 170 thousand yuan, treasury bonds 50 thousand yuan. In addition, two couples also set up an educational reserve of about 70 thousand yuan for their daughter. They want to ask the insiders, how can their families achieve 1 million yuan accumulation of liquidity dreams?

Financial advice

1. Controlling annual consumption is below 25% of revenue.

With the current standard of living in Guangzhou, after the daughter went to university, the annual consumption of two families of Mr. ho can be controlled at 40 thousand yuan. In its total annual income of 170 thousand yuan, the percentage of expenditure accounted for 23.5%, which expanded the accumulation space of current assets.

The insurance investment of the family is obviously insufficient. As a pillar of the family, Mr. He needs to configure his accidental casualty and major illness insurance, which will increase his insurance premiums by 3000 yuan a year, while his wife also has to purchase additional pension or social insurance for himself, and the annual premium will be increased by 2000 yuan. As a result, the annual earnings surplus can reach 17-4-0.5=12.5 yuan.

Two, liquid assets 2:4:4 invest in three categories of products.

For the current assets of Mr. Ho's family of 220 thousand yuan, it is recommended that in addition to the 20 thousand yuan family emergency fund, the current assets will be invested in government bonds (or gold), mixed funds and equity funds (or blue chip stocks) in the proportion of 2:4:4, representing three types of investment products: conservative, steady and aggressive. Mr. and Mrs. two are busy and have insufficient financial knowledge. It is recommended that priority should be given to buying financial products such as funds, so they do not need to buy stocks, trusts and other products that require certain financial knowledge. He has purchased 50 thousand yuan of treasury bonds, which can maintain the current amount.

Treasury bonds and gold can generally achieve an annual 3%~4% yield of one year. According to the statistical data of developed countries in recent 30 years, if the financial situation gets warmer, the annual return on investment of mixed funds can reach 8%, while the annual return on investment of equity funds (or blue chip stocks) can generally reach 12%. Under optimistic circumstances, he can get an annual yield of 4% x 20%+8% * 40%+12% * 40%=8.8%.

If the financial situation is not good, the annual return on investment of equity funds is likely to be 0%, but mixed funds can still get the investment return rate of up to 4%, and the rate of return on investment in treasury bonds remains unchanged. Under pessimistic circumstances, he can get an annual yield of 4% x 20%+4% * 40%+0 * 40%=2.4%.

Three. Earnings surplus 1:1 buying mix and equity funds.

The annual surpluses of 125 thousand yuan are considerable. It is recommended that 1:1 be added to mixed funds and equity funds instead of conservative financial products. After all, Mr. and Mrs. Hu are in the prime of life, and their families will accumulate well without any conservative management.

According to the existing financial rules of current assets, under the optimistic expectation, the annual earnings surplus of Mr. ho will get an annual yield of 50% x 8%+50% * 12%=10%, and the annual yield of 50% * 4%+50% * 0=2% will be obtained under pessimism.

Four, daughter education fund can buy bond fund appreciation.

The 70 thousand yuan Education Reserve is enough to cover the 4 years' education cost of domestic universities. In addition to the immediate removal of the daughter, it is suggested that the remaining part should be purchased as a bond fund, while the bond fund is also a conservative financial product, but the yield is much higher than that of the bank deposit, and it is convenient to withdraw.

According to the above suggestion, as shown in the table, under the optimistic circumstances, he will have accumulated over one million yuan of current assets to 1 million 68 thousand yuan at the end of 2013. Even under pessimistic circumstances, families will realize their dream of accumulating assets over a million yuan in 2014. In the two case, the accumulation of assets is almost the same, mainly because he has a large annual income surplus, and the financial management proposal has increased the rate of return on investment, and can achieve the goal of financial management in a relatively short time.