Reduce Stocks And Invest In Bond Funds

Mr. Li is 32 years old, unmarried, doing business and earning about 150 thousand yuan a year. At present, he has not paid social insurance and medical insurance, and he has two accident insurance. There is a house worth 1 million 200 thousand yuan, the house has not been bought yet, and next year it needs to pay 100 thousand yuan, the stock is 200 thousand yuan, the deposit is 100 thousand yuan, the debt is 40 thousand yuan, and there is no debt. Parents are farmers. They buy 1 major diseases insurance and no pension insurance. I plan to join a company that produces energy saving furnaces this year, and the subscription amount of 300 thousand yuan is expected to start at about 30% next year.

[ Conduct financial transactions Recommendation]

According to the simple information provided by Mr. Li, we should pay attention to the following aspects:

1., improve social security pension and medical insurance, business. Insurance In addition to accident insurance, regular life insurance and social security supplementary health insurance can be considered. The family responsibility of supporting the elderly is large enough to buy accident insurance for their parents.

2. cash management, because parents do not have old-age security, family emergency reserve fund to stay, in addition to at least 3-6 months of living expenses, but also consider the daily maintenance of their parents' expenses. The quota is determined according to the circumstances, and is held in demand, short-term deposits and IMF.

Three consumption In terms of expenditure, under the premise of retaining the emergency reserve fund, it is possible to arrange this part of the fund according to the purchase purchase and decoration plan, both short-term deposits and monetary funds.

4. Investment: adjust the investment portfolio according to the risk attribute. According to the financial market situation, if there are good industrial investment projects, industrial investment can be the main one. In addition, China's securities market has entered the adjustment after two years of soaring up. It has greater risk and no professional investment experience. It should reduce the proportion of stock investment. 200 thousand yuan can be taken as an old-age pension fund, which can invest in ordinary bond funds, with low risk and better liquidity. It is a steady investment tool for the elderly.