Marriage And Family Happiness Management: Bank Financial Products + Fund Varieties

Nowadays, the only child team that has already been on the job is getting bigger and bigger. Many of them do not learn to save money while enjoying stable income, let alone mention. Conduct financial transactions Now. The principle of "not being home without knowing the price of rice" is obvious to them. Without parents who have been around for a long time, every month they have to face a lot of bills: mortgage, car loan, water, electricity, gas, fixed telephone, cell phone, broadband and credit card. As a result, most of them did not become moonlight people. They were vehicle slaves, house slaves and card slaves. Happiness seemed to be only a fraction of the previous generation. Is it really difficult to achieve the happy time of the only child? Wang Meiyuan, financial manager of VIP financial centre of Nanjing branch of CITIC Bank, made some suggestions to us.

　　 Short term goal plan: Marriage

Financial key words: bank financial products + fund varieties (partial stock fund or closed type) fund )

The only child of marriageable age is relatively stable in work and income, and their parents have less financial burden. Therefore, the ability to take risks is relatively strong, and investment can be radically radical. However, as we are about to enter the marriage hall, in addition to the pursuit of rapid increase in wealth, we need to ensure the safety of wedding expenses and the influence of inflation prevention.

Xiao Guo is a white-collar worker in a foreign-invested enterprise. She always takes most of her income in daily life. Investment In cosmetics, fashion and shoes, she would never have thought about saving money if she hadn't been married. Xiao Chu, who runs a small advertising company, hopes to reduce the cost of a small person who has been burying the financial burden. The monthly income of Guo is 5000 yuan, and the average monthly income of Xiao Yuan is around 10 thousand yuan. Since neither of the two people is a native of Nanjing, it is also their task to organize a wedding in two places. They counted, plus the renovation cost of the house, furniture and wedding banquet, about 200 thousand.

Recommendation: because this money will soon be used, it is not suitable for high-risk investments, and can invest in all kinds of short-term financial products of banks. For example, in the stock market of China, the new stock market can be said to be a steady sale. Although the number of similar products is increasing, the success rate is low. But with the continuous return of the stock market issued by the overseas stock market, the proceeds can still be guaranteed. In order to slow down the issue of new shares for a certain period of time, it is possible to choose new stocks with new shares and 7 days notice deposit without new shares. In addition, the purchase of partial stock funds and closed-end funds with undervalued value of about 20% in the current market is also a good choice for young people with strong risk tolerance.

　 Long term goal plan: child loan repayment

Financing Keywords: credit products + fund products + fund fixed investment

The life of "2+1" is bound to be envisaged after marriage. With the illusion of the arrival of a lovely child, the pressure also comes. On the other hand, the repayment of housing loans and the preparation of fertility funds and education funds have become an important task for the only child of the father and mother.

Xiao Han and Xiao Zhao's family income is twenty thousand yuan. When they first married, they lived with their parents. Now they have just renovated their own new houses to buy, and they are preparing for the upcoming three families, Shoufu and loan. After the pregnancy, the financial burden of the small family will suddenly increase greatly, and considering that Xiao Zhao may not be able to work for half a year or a year, Xiao Han begins to plan whether he will do some financial management to relieve the pressure on the family.

Suggestion: for families with pregnancy plans, it is necessary to prepare family planning fund, of course, the prerequisite is to increase family reserve funds ahead of schedule. The fertility fund recommends that 40 thousand to 50 thousand yuan be prepared, while the family reserve fund will be increased from 3 months to 9 months. In addition, it is also advisable to take out 1000 yuan a month as an education fund for children. At the same time, we must buy an insurance for family mainstay, and ensure all family activities. In addition, families such as Xiao Han Xiao Zhao, even if they have the ability to pay their mortgages at once, do not have to rush to put their mortgage loans in a lump sum. Under the premise of paying 30% extra payments, they can use the funds to purchase loans from banks for investment. If the investment is proper, the remaining 70% of the loans will naturally be available. In addition, it is also a good way to invest regularly.