Establishing Family Members' Insurance And Reinvesting In Closed Funds To Achieve Wealth Appreciation

Case study:

Mr. Guan, 34 years old, is a department manager of a company in Shanghai, plus a bonus, with an annual income of about 160 thousand yuan.

My wife is 29 years old and has just finished her child. She is a full-time wife and takes care of her children at home.

At present, Mr. Guan has social security and no business.

The couple plan to buy a set of children before they go to primary school, and reserve their children's education money, especially when they go to university or go abroad.

Plan:

Mr. Guan has just stepped into the "sandwich class". He is in the prime of life. He is a new father and has no housing loan. The pressure is not too great. Therefore, he mainly prepares for the pension fund and children's education fund.

First of all, cash planning must be safe and abundant.

Mr. Guan has an annual income of 160 thousand yuan, equivalent to a monthly income of about 13 thousand yuan.

Cash planning is usually 3 times -6 times the monthly household expenditure, and 30 thousand yuan can be retained as an emergency reserve.

5000 yuan of current savings is convenient for daily consumption, and 25 thousand yuan deposit is 3 month regular.

If interest rates are raised this year, it can be converted to 6 months' regular or directly chosen intelligent pfer function.

Second, establish family members' insurance coverage.

After his wife works, the annual income of 200 thousand yuan is calculated. Mr. Guan's annual expenditure on commercial insurance can be around 20 thousand yuan. Among them, Mr. Guan takes 60% as the main economic pillar, and his wife takes 30% of the social security supplement after work.

It is recommended that the couple choose bonus life insurance, regular life insurance, major diseases and hospitalization expenses.

Children focus on accidental injury and major medical insurance, and can also take the form of premium payment in the form of bonus insurance plus additional accident insurance, so as to reserve educational funds.

Moreover, investment in closed-end funds will achieve medium term wealth growth.

Mr Tung's current assets are regular and structured.

Entering the 2010, the policy of margin trading, stock index futures, real estate regulation and other policies were concentrated, and the stock market and the real estate market faced uncertainty. In the short term, bank savings were more secure.

In addition, there are more than 20 closed-end funds in the market. The maturity date ranges from 2013 to 2017, and there are many varieties with a discount rate of over 20%.

Suppose the couple earn 200 thousand yuan a year, deduct the cost of living and insurance, and accumulate about 9000 yuan every month. With 6 years without increasing or decreasing, they can produce 6000 yuan each month, and the remaining 3000 yuan will be used as a reserve fund.

With an annual yield of 8%, the market value of the fund can reach 830 thousand yuan in 6 years.

Finally, if there are still idle funds, short and medium term guaranteed bank financial products can be selected to maintain the security and liquidity of the portfolio.

Coupled with the increase in salary and other factors, when the child goes to primary school, the family's floating assets can amount to more than 1 million yuan, and the initial accumulation of the first payment for the house, the Education Fund for the children and the pension for the parents will be achieved.