"Moonlight Clan" Fixed Investment Fund For 10 Years

Object: Miss Ding.

Family status: single, 27 years old, selling and living with a parent in a foreign company in Hangzhou.

Income: monthly income of 9000 yuan, pension, medical care and unemployment.

Expenditure: monthly expenses are basically flat and income is a typical "moonlight clan".

However, Miss Ding believes that if sensible consumption is spent, 3000 yuan per month will be enough.

Existing

Financial goals: (1) housing prices have been rising, and plans to purchase a house for self occupation or rent, and plan for the first Fu Sicheng (the first payment depends on their parents), and plan to pay off in 10 years; (two) hope for better asset allocation and investment.

- professional advice

Young people should consider their ability to repay their houses and buy houses that match their economic strength.

Miss Ding has not yet become a family member. It suggests that it set up a good concept of cascade consumption. According to its actual situation, it will apply for provident fund loans to buy a small and medium-sized apartment with an area of 70 square meters and a house price of 8000 yuan / square meter. The total price will be around 560 thousand yuan, and both new and second-hand housing will be available.

The down payment is 40%, and it needs about 340 thousand yuan loan. If the loan period is 10 years, the amount of repayment should be 3610.80 yuan per month, accounting for 40% of the monthly after tax income, which will not be more than 50%.

Before Miss Ding married, the purchase of the property is proposed to rent, and the rental income can appropriately compensate for the loan interest expense.

Investment:

Miss Ding's assets structure is unreasonable and needs to be adjusted.

It is suggested that 3 months' living expenses should be set aside for 10 thousand yuan as a reserve fund (current account or money market fund), and the remaining funds of 10 thousand yuan can be invested in open-end funds.

Miss Ding's monthly income minus daily expenditure and mortgage repayment has a balance of about 2400 yuan.

Monthly savings can be invested in the fund's fixed investment.

Miss Ding is younger and has higher risk bearing capacity. The current capital market continues to go up. The proportion of the whole fund investment portfolio is 50%: Equity Fund, balance fund 20% and bond fund 30%.

Long term investment should have an ideal return. The investment can be planned as a future decoration and marriage fund.

Insurance:

Although Miss Ding is single, personal protection can not be ignored, especially after the loan burden.

It is suggested that it increase the appropriate personal accident insurance beyond the social security, the insured amount should not be less than the loan quota, and ensure the financial safety of the family.