Should High Income Buy Property Or Buy Fund?

Mr. Li is a technical director of an enterprise. His monthly income is 10 thousand yuan.

Ms. Lin is a sales manager of a company with a monthly income of 8000 yuan.

The basic living expenses of husband and wife are around 3000 yuan per month, and the average amount of entertainment, shopping and so on is 1500 yuan, and the monthly mortgage loan is 4000 yuan.

In addition, the monthly rental income is 1200 yuan.

Family's main assets: 30 thousand yuan current account, 100 thousand yuan time deposit, stock.

Exergy

Whether or not investment houses should be sold for cash and then make other investments, after all, the current capital is only about 130 thousand yuan, and the investment income is not high. Considering the birth of children in the next two years, I hope to buy a large house in the future so that I can live with children.

Financial analysis

Mr. Lee's family investment structure needs to be improved, and the investment level needs to be improved.

Financial assets 160 thousand yuan, of which the proportion of time deposits is more than 60%; investment assets of 380 thousand yuan property, family

Many families have problems similar to Mr. Lee's family, that is, the family has considerable liabilities, with a monthly loan pressure of 4000 yuan and a lot of cash assets.

The interest rate of debt payment is much higher than the rate of return on capital investment, which will virtually shrink family assets and is a very unreasonable family asset allocation.

There are two ways to solve this contradiction. One is to increase the return on investment by changing the direction of investment, so that the rate of return on investment is higher than the interest rate of debt, and the other way is to repay the loan in advance with existing funds.

Financial planning

Preparation of family emergency funds

Mr. Lee and his wife should take 3 yuan to 6 times the 30 thousand yuan demand deposit as the future family emergency fund.

At the same time, considering the fact that they will have children in the next two years, the amount of the emergency fund should be increased to 50 thousand yuan and the liquidity should be kept stable in the next two years.

Because their families need a higher amount of emergency funds, they can also consider short-term capital management by using highly mobile Monetary Fund in addition to demand deposits.

Housing planning

Mr. Li and his wife have too little liquid assets. At the same time, they invest 1200 yuan in monthly rental income and repay 4000 yuan in loans, so they can not "rent and raise loans". Therefore, they suggest that they sell the property in time for a larger amount of liquid assets.

As for whether children need to buy larger housing in the current housing market before and after having children, the proposal is inclined to postpone the implementation of the plan.

First of all, the property has an area of 90 square meters, adding a child, basically the area is still enough.

Secondly, the paction cost of buying and selling real estate is very high.

It is suggested that housing should not be changed in the first two years.

Pursuing better living conditions is one of the goals of managing finances, but it is also an ability to learn to make more reasonable and profitable financial goals for their families.

Perfect guarantee

The couple are both senior white-collar workers with good income, but few leisure time and energy.

According to the current career development and income level of the two couples, the financial situation is relatively good, but if the risk factors are taken into consideration, it is not.

Because of the pressure to repay loans, and in the future, we need to consider giving birth and raising children.

Therefore, Mr. Li's family also needs to strengthen the appropriate insurance arrangements.

It is also possible to retain the existing higher level accident insurance, and appropriately increase some life insurance and health insurance, including carrying out part of the pension plan through insurance means.

Annual total premiums are controlled at 20 thousand yuan.

According to the above analysis, we can choose investment tools which are relatively safe, capital fluidity and operable. For example, the universal insurance is an investment type insurance product. It has both security, both death and total disability protection, and strong security. Experts are good at money and income protection. This is especially suitable for families like Mr. Li who have no time to manage their finances.

At the same time, it is more advantageous that it can be used as an educational fund for future children's birth, and also a huge pension for the future retirement.

Investment planning

In view of the problems faced by Mr. Lee's family assets structure, it is suggested that the following adjustments should be made in family assets: the sale of investment real estate, the sale of real estate, the acquisition of funds and the original funds to repay family debts first, and the remainder of the investment in high yield financial products.

On the choice of investment products, due to the increase of inflation pressure, the Central Bank continues to raise interest rates, and it is not suitable to invest in medium and long-term bonds. The risk of direct investment in stocks is relatively large, and it needs more time and effort to invest. The two couples do not have this condition.

In addition, bank financial products can also be purchased as portfolio.

Such a set of health insurance and investment programs can ensure that funds are more secure and flexible. They have comprehensive risk protection and retirement arrangements, and have a relatively sound investment income. They are also managed by professionals and are more secure in their work and life.