"70 After" Three Family Financial Management Strategy

Mom, Ms. Zhang is 35 years old, IT industry engineer, earning 5000 yuan per month. Dad, Mr. Wang, 35 years old, IT industry engineer, earning 10000 yuan a month; baby girl, 5 year old girl.

Family situation: at present there is cash and deposit 400 thousand, no investment in financial assets, no debt, 1 million 800 thousand worth of housing and 100 thousand worth of family cars, totaling 2 million 300 thousand assets. The total monthly income of two people is 15000 yuan, the monthly fixed expenditure is 7000 yuan, and the monthly balance is 8000 yuan. Both husband and wife have social insurance and corporate group insurance. No business Insurance 。

Family Conduct financial transactions Objective:

Short term goals:

To prepare a school district room for the daughter, the estimated amount is 2 million 200 thousand, and the loan is expected to be 20 years.

Medium-term objectives:

1, the cost of supporting the elderly is estimated. 10 years later, it is estimated that the cost will depend on the health condition of the elderly, the cost of seeing the doctor and the cost of the nanny.

2, children's education reserves;

Long term goals:

1, two people are engaged in the IT industry. After the age of 45, the income may decrease considerably, hoping to maintain the quality of life and enjoy high-quality retirement.

Ms. Zhang's family is a typical mature family in modern times. It has rooms, cars, double salaries, good unit welfare, old age, small income, and good income. Usually they are busy with work, have to take care of their children, and have no time to take care of their finances. Therefore, they do not consider the problem of financial management, but they are worried about their future income and financial situation. They have the desire to invest in finance and buy insurance.

Family financial situation analysis:

1, family income balances are cash and deposits, and no financial assets.

2, household expenses depend entirely on the wages of two couples, with low financial freedom and no future financial plans.

3, if there are social risks or personal risks, such as unit closures, personal unemployment, physical causes or accidents, and so on, we have to stop working, and the quality of life will be greatly reduced, or even a life crisis.

[financial planners suggest:]

First, adjust the capital structure and realize asset appreciation on the basis of ensuring the financial safety of families.

1, use commercial insurance to establish a perfect risk transfer mechanism to ensure family financial safety, resist social risks and personal risks.

2, reduce the amount of cash and deposits, and invest in some bank financial products, funds or stocks, so as to realize the preservation and appreciation of assets. Increase revenue by second.

Two, the recent financial objectives need to be considered, and the purchase plan is prudent.

At present, the housing price is very high. If we implement the purchase plan, we will use all the assets of the family. If we purchase about 2 million 200 thousand of the real estate, the existing cash plus deposit is less than second sets of the first payment standard for commercial housing loans. Moreover, even if the loan is 20 years, the monthly payment will still need about 12000 yuan. According to the monthly rent of 4000 yuan after the purchase of the house, the living standard will still be reduced by 2000 yuan per month.

Three, children's education funds must be considered. A special education account should be established.

According to statistics from relevant state departments, the cost of raising a child is about 500 thousand yuan, which is a rigid consumption.

Four, plan family finances according to personal career development, prepare pension in advance, and commercial insurance as a necessary supplement to social security.

As industry personnel, the increase in their age will lead to a decrease in income. It is worth considering and making sense. So when you are young, be prepared for your old age.

　　 [Financial Planning:]

1. The family expenditure for half a year is 50 thousand yuan.

Two, 40% of the income will be used for deposits, treasury bonds and bonds.

Three, 30% of the income will be used for dividend insurance, universal insurance and bond funds.

Four, 20% of the income will be used to buy stocks, equity funds, investment linked insurance and so on.

Five, use 10% of revenue for other investments. {page_break}

　　 [insurance and financial planning]

After careful consideration, Miss Zhang cancelled the purchase plan. Because the family has a certain amount of deposits, the husband and wife have higher income and the company welfare is very good. Therefore, madam Zhang, referring to the advice of financial experts, the children's education and the pension problem of the two husband and wife should be used in a safe and value-added way, and the bonus insurance with protection function can solve the rigid demand and supplementary demand for the children's education. According to the comparison of all kinds of insurance in the market, combined with the characteristics of insurance, she chose the "Heng An Standard Gold Fuyuan annuity insurance (dividend) A".

There are three problems to be solved in "Heng An Standard golden annuity pension insurance (dividend payment) A".

1, children's education fund every year

2, supplementary pension issues

3, there is an accident protection problem.

According to the financial advisor's suggestion, combined with the family income and expenditure situation, Ms. Zhang bought the annual insurance premium of 50000 yuan, 10 years, and 20 years of the insurance period, the A standard.

The insurance contract is effective on the corresponding day of the insurance policy, and is covered by 10% of the effective insurance amount, that is, an annual insurance premium of more than 5000 yuan. For 20 years. Therefore, Ms. Zhang is prepared to return this part of her money every year as a child's annual tuition to ensure her child's basic education (from primary school to University).

During the 20 years of the insurance, if the insured is accidentally killed or is permanently disabled, the company will pay insurance premiums at two times the premium. If the insured person is accidentally disabled on a specific means of transport and a specific vehicle is permanently disabled, the company will pay an insurance premium at three times the premium paid. Solve accident risk.

20 years later, the company pays full insurance premium on the amount of premium you have paid at the expiration date, with a handsome bonus. The expiry premium can be paid at one time, or can be converted to annuity.

After the expiration, Ms. Zhang has two choices:

1, if a one-time payment, part of the business as a pioneer or gold, part of the investment to make money for the elderly.

2, if not received, converted into annuities to receive, as an improvement of the quality of life after retirement pension supplement.

　 Heng Heng standard life golden advantage annuity insurance product advantage]

1, clear - determine the minimum annual life annuity payment, guarantee 20 years, easy to plan.

2, long-term protection - enjoy 20 years of protection.

3, ingenious - the insured dividends are increasing year by year, and dividends are paid more each year.

4, flexibility. Once the contract expires, it can be collected once, and can be converted into annuities to become an important supplement for the elderly.

5, multiple gains at one stroke - two times accidental death and accident total disability protection, three times bus accident and accident total disability protection, both benefit and protection.

6, convenient - insurance procedures are simple, no physical examination, the bank can buy.