How Does The Monthly Salary Of 10000 Yuan Wage Earners Manage &Nbsp? Premium Annual Expenditure Should Not Exceed 15%.

Case introduction:

Mr. Wang is 30 years old and works in a financial enterprise. His monthly income after tax is 10000 yuan.

Mrs. Wang is 29 years old and works in a foreign company. Her monthly income after tax is 8000 yuan.

Two people have social insurance and no commercial insurance.

After three years of marriage, there was a 1 year old daughter.

3 years ago, the couple bought a house worth 1 million 500 thousand yuan, with a loan balance of 500 thousand yuan and a monthly loan of 2300 yuan.

It has a value of 100 thousand yuan a car, a 1 year term deposit of 100 thousand yuan, and a fund of 50 thousand yuan.

Assumptions: the average rate of return on investment is 7%, the inflation rate is 4%, the housing price growth rate is 5%, the housing depreciation rate is 1%, and the average interest rate of loans is 7%.

1. ensure stable daily life.

2., draw up a business guarantee plan for Mr. Wang's family.

3. replace a car worth 200 thousand yuan in three years.

4. the cost of preparing the daughter college is 300 thousand yuan.

5. prepare serious illness medical fund for parents.

Financial management plan:

(1) in order to ensure the quality of daily life, we need to prepare contingency funds that can meet 3-6 months' living expenses.

This part

(2) commercial life insurance, such as life insurance, major illness insurance and accidental injury insurance, should be properly allocated.

The annual premium is 10%-15% of family income.

You can consider some children's insurance for your daughter.

(3) at present, Mr. Wang's family assets and liabilities are relatively low. It is suggested to purchase second cars by way of loans.

The sale of the old car earned 40 thousand yuan, and the redemption fund earned about 60 thousand yuan as a down payment. The remaining 100 thousand yuan loan, the loan period was 3 years, and the monthly repayment was about 3000 yuan.

(4) for the daughter's University Education Fund, it is recommended to adopt the way of fund investment and education insurance.

The fund is set to vote.

(5) although the cost of living at home can be taken care of at the present time, the physical condition will gradually become worse as the age increases, so it is very necessary to prepare the medical fund for parents in advance.

After the loan is repaid, the long-term investment of active financial products should be increased.

In the investable assets, the reserve products, the bank's sound financial products, funds and stocks are recommended to be invested according to the 1:3:4:2 ratio.