High Cost Family Financial Planning &Nbsp; Do You Have A Goal?

Speaking of your financial problems, we will invite professionals. Conduct financial transactions The teacher answered for you. Tell us about your financial goals, and we will work out a detailed financial plan for you.

Mr. Ma is a Korean capital. enterprise The sales supervisor has a monthly income of 7000 yuan, a relatively stable income and 2 years of marriage. His wife, Miss Zhang, is 31 years old and has a monthly income of 20000 yuan. At present, there are no children, no houses, no cars, and the existing savings amount is 200 thousand yuan. Basic living expenses 2500 yuan per month, rent 3000 yuan; I purchase commercial insurance, monthly expenditure of 412 yuan, the fund set a monthly investment of 1000 yuan, social security has been handed over for 3 years; wife personal social security has been handed over for 6 years.

　　 Conduct financial transactions target

1, in the year to buy a house, the total price in 80~90 yuan, down payment 30%, 20 years mortgage; 2, next year to prepare for children, 18 years later need to prepare for children 1 million yuan of funds; 3, after retirement, each month can receive about 8000 yuan or more of the pension; 4 or 2~3 years to buy the total price of about 80% of the car.

Financial analysis

We can find out the financial situation and financial management objectives of Mr. Ma's family. We can find that the family has no debts or children. But from its financial objectives, we can find that the family will spend a lot of money in the next 3 years. According to the financial goals of the family, we can see that there are four main problems:

First, the family's financial income is low, although there are 1000 yuan per month for the fund's fixed investment, but the proportion of investment is low, which reduces the speed of the family's wealth growth. Two, the structure of the family's assets and liabilities needs to be further optimized to achieve the goal of financial management at an early date. Three, the protection is not comprehensive enough, we should strengthen the allocation of insurance and enhance the family's ability to resist risks. Four, optimize investment channels, and plan early for children's education and retirement.

Financial planning

First, only banks with existing assets. savings 200 thousand yuan, and the purchase price of 900 thousand yuan in real estate, at least need a down payment of 30%, the existing funds can not meet the needs of the down payment, therefore, it is recommended that the purchase plan be postponed to next year. According to the current credit policy, the annual repayment amount of commercial loans is 51346 yuan.

Two, the planning of children's education and retirement pension is proposed according to the ratio of stock assets to 44%, the ratio of debt assets to 45%, and the ratio of monetary assets to 11%. The target of retirement income and children's education can be achieved with the return rate of 7.1% as the target of yield.

Three, because the family's cash flow is relatively adequate, the purchase plan can be purchased in full after two years.

Four, in the insurance planning, couples are advised to spend 15% of their annual income on insurance premiums, and buy regular life insurance, accident insurance and life insurance separately.