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The Deposit Is Only 10 Thousand &Nbsp; How To Manage Finances?

2010/12/22 17:05:00 39

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Case introduction: Mr. Zhang, 48 years old, is a manager of a construction company with an annual income of 150 thousand yuan; Mrs. Zhang is 47 years old. Since she gave birth to a child, he did not work again; two had one child and 11 years old.

At present families are the only ones.

deposit

10 thousand yuan, the loan has not yet been repaid commercial housing, the value of 400 thousand when buying, has appreciated to 700 thousand.

The cost of daily household expenses and children's education is 90 thousand yuan per year.

Housing loan

Repayment is 40 thousand yuan.

Mr. Zhang insured himself for a life insurance of 750 thousand yuan, with an annual premium of 10 thousand yuan.

Both elderly people own housing and medical care, pension security.

At present, Mrs. Zhang has a job opportunity of 50 thousand yuan a year. After deducting the possible additional expenditure, he is expected to balance 40 thousand yuan and is hesitant to accept the new job.

Conduct financial pactions

Objectives:

First, say goodbye to the ten thousand yuan deposit dilemma.

Two, consider whether to use property to increase household income.

Three, prepare 100 thousand education funds for children and universities.

Four, intend to maintain a high standard of living at 4000 yuan per month after retiring at 60.

Family financial planning

1. education planning: Children's education plan has no time flexibility. According to 3% inflation rate and 4% annual income, we should invest about 1300 yuan per month. The investment style is mainly based on stability. We should consider treasury bonds, dividend payment insurance, currency or bond funds, and banks' sound financial management.

2. pension planning: according to the inflation rate of 3%, the life expectancy of 80 years old, when Mr. Zhang retires, he needs to prepare about 1 million 370 thousand yuan of retirement funds. According to the annual yield of 10%, we need to invest more than 5000 yuan per month from now on.

According to the family's current income structure, even Mrs. Zhang's work is not enough to cover this expenditure.

On the one hand, it is suggested that Mr. Zhang lower the retirement standard. In addition, Mr. Zhang insured 750 thousand yuan insurance for life insurance. If necessary, he can recover the cash value in advance and make up for the shortage of pension funds.

At the same time, it can also be invested in a balanced or equity fund.

3. Insurance Planning: Mrs. Zhang and children should join the national basic medical insurance.

At the age of Mrs. Zhang, the risk of commercial serious illness insurance will be very high. Therefore, it is recommended to increase the cost of hospitalization, hospitalization allowance and other low cost consumption insurance.

Children are young, and can increase hospitalization, medical care, and other consumer oriented insurance.