Four Newly Married Family Financial Cases &Nbsp; Fund Fixed Investment Preparation Education Fund

Do you want to spend money on newly married families?

How to manage money and how to set up a financial planning?

In order to better help newly married families to manage their finances, we invited 4 outstanding bank financial planners in Fuzhou to introduce the case of newlywed financial management in order to play a role in attracting valuable advice.

The newly married couples take a look at these cases, and combine their own actual situation to make financial planning suitable for themselves.

Fund investment and preparation education

Financial Secretary's name card: Huang Xiaoqing (CCB Fuzhou Jinlong sub branch CFP International)

Mr. Lin and Ms. Wang are the newly married little couple after 80. Mr. Lin is engaged in the IT industry. Her monthly salary is about 5000 yuan, and her wife is a primary school teacher. Her monthly salary is about 3000 yuan. Both sides have three risks and one gold, and the family has 50 thousand yuan of time deposits. The house currently has a mortgage, and the monthly repayment of the provident fund needs about 1000 yuan. The monthly expenditure is 6000 yuan (including mortgage). At the same time, two couples have to travel once a year, with a cost of 5000 yuan per year.

They plan to have a child in two years and buy a car around 100 thousand yuan.

Financial analysis

Huang Xiaoqing believes that the Xiaolin couple are the two families that have just been established. They are in the period of family formation. This stage is characterized by the fact that the economy starts to be independent, saves less, consumes high desires, and increases the responsibilities gradually. In the coming years, it will be faced with problems such as child care, car buying and so on, and the expenditure will gradually increase.

Therefore, at present, we should pay attention to increasing revenue and reducing expenditure, so as to make financial planning for all aspects of life in the future.

Financial advice

1. Mr. Lin should reserve part of the emergency reserve fund, which is usually the total cost of the family for 3-6 months, that is, Mr. Lin needs to set aside about 15 thousand yuan for a rainy day.

2. in view of the fact that the small family has just been established, the emphasis of financial management is to increase revenue and reduce expenditure.

It is necessary to adjust the premarital consumption concept, minimize unnecessary extravagance and waste, and speed up the accumulation of interest bearing assets. It is recommended that the living expenses of the two person world stage be controlled at around 4000 yuan.

Monthly savings of about 4000 yuan, of which 3000 yuan for the fund fixed investment, two years later there will be about 80 thousand yuan, the money is enough to cope with the birth of children, as well as the down payment for car loans.

3. children's education plan also needs to be prepared ahead of schedule.

After Mr. Lin's child was born, he still adopted a consistent monthly fund allocation method. However, because of the increased daily expenses of child birth, it could be changed to a monthly fund of 2000 yuan. Assuming that the compound annual profit of 8% of the fund was calculated, then Mr. Lin would receive an education fee of 300 thousand yuan when he was in primary school.

4. investment planning: Mr. Lin only has a time deposit, which can not meet the needs of asset value preservation and increment. It is suggested to make some financial allocation for time deposits, and choose financial and financial products with stable funds and earnings.

In terms of asset allocation, 50% of the investable funds can be used to buy stock funds, 30% to buy mixed and bond funds, and 20% to buy bank financial products.

The mode of investment can be combined with one-off investment and fixed investment, long-term adherence to substantial gains and preparation for future children's education, housing conversion, pension and so on.

5. Insurance Planning: although two people have three risks and one gold, two people do not have commercial insurance. Obviously, family protection is not enough, so we need to increase insurance coverage.

It is suggested that the general family premiums should be no more than 10% of the total family income. The insured amount of the spouse is 10 times of the total income.

It is suggested that the couple attach importance to the allocation of life insurance, serious illness insurance and accidental injury insurance.