Separation Of Public And Private Funds, Fixed Investment Index Fund Reserve Pension

For many families in the entrepreneurial stage

I am 26 years old, my daughter is two and a half years old. My wife and I have a monthly income of about 30 thousand yuan. We have bought a set of western houses with a value of around 520 thousand yuan. Mortgage loans are provided at the beginning of 2004, for 2300 yuan for 20 years. Another house is purchased for 60 square meters, with a price of 250 thousand yuan and a lump sum payment.

My wife and I both bought accident insurance and hospitalization business insurance, but they didn't buy social security. My father had a job but got very little income. My mother had no job to support us. The family spent 8000 yuan on her monthly expenses. The child went to kindergarten in the second half of the year, and the tuition fee was 13000 yuan per semester.

In addition to maintaining the normal operation of the company, there is no deposit in my family. How can I manage the assets of the financial planner in order to maintain the normal operation of the company and not affect the normal expenses of the family? My parents are almost sixty years old and want to buy an insurance for their parents ahead of time. Is there a suitable insurance recommendation?

Mr. Mo Shunde

Financial manager reply

Family financial analysis: Mr. Mo's family is growing up. The main source of income is mainly the trading companies which run by both the husband and wife, and has not completely separated the family finance from the company's finance. There are some drawbacks in asset management. And because the trading company's operating condition is not very satisfactory this year, the company's income will also affect the normal household income.

Financial advice:

1. first of all, we suggest separate management of company accounts and family finances.

A portion of the company's 1 million yuan liquid fund can be drawn out as part of the family reserve fund. The reserve fund includes two parts: part of the family emergency reserve fund, which is generally limited to the family daily expenses of 3~6 months, and the other part can be provided with corresponding financial portfolios according to the actual needs of the family. It is suggested that Mr. and Mrs. Mo buy the social security. Secondly, Mr. Moore is advised to plan his daughter's education fund and the two husband's pension as early as possible. He suggests investing in stock funds or index funds on a monthly basis. If Mr. Mo and his husband retire 30 years later, they will invest 3000 yuan a month, with the annual investment return rate of 10%.

Handling household fixed assets: it is recommended to rent the existing 60 square meter house.

The company's residual liquidity handling: it is proposed to allocate the remaining idle funds to the highly flexible monetary fund or short-term investment products, so as to raise the return on investment of idle funds as much as possible.

2. Mr. Mo's parents are nearly 60. The cost of buying major illness insurance at this age is relatively high and is not cost-effective.

It is recommended that the family take part in the basic medical care of the residents (including in-patient and outpatient) insurance.

At the same time, Mr. Mo and his wife are the main pillars of family income. At present, only accidental medical and commercial insurance are purchased. It is suggested that regular life insurance and accident insurance should be increased.

3., it is suggested that the development fund should be accumulated by the fixed investment quota method. From the current market situation, it will be better to invest in mixed funds, with a monthly investment of 10 thousand yuan, assuming that the annual return on investment is 8%, and 3 years later, it can accumulate 400 thousand yuan, and it can accumulate 700 thousand yuan in 5 years.