Financial Planner: Look At How The Single Generation Of The Post-80S Generation Can Save Enough Money To Get Married.

Consulting experts: People's livelihood

Xiao Zhang is 27 years old and unmarried. He is a business manager of a large shopping mall in Guangzhou. The annual salary is about 65 thousand yuan.

The focus of Xiao Zhang's financial management should be to increase revenue and reduce expenditure, choose an aggressive financial product, and grasp it.

Specific suggestions:

Consumption: combing personal expenses, setting up a budget chart, controlling consumption in months, and doing well in saving money.

For those who are single after 80, their income is not high, and they are in the stage of wealth accumulation. In the few years before accumulating wealth, they should try to avoid selective consumption such as clothing and tourism, and control the total monthly consumption by less than 50% of the monthly income.

Investment: 6:3:1 ratio investment in stock market bonds and gold

Considering that the domestic stock market is now at a lower level, there should be more room for further growth. The continuous increase in interest rates has also led to the rising of short-term bond products and the preservation and appreciation of gold in the global economy. The proportion of small Zhang Ke's choice of 6:3:1 has been invested in the stock market, bond market and gold market.

In investing in the stock market, Xiao Zhang can choose to underestimate the value of blue chip stocks or long-term performance of a partial fund, while in the choice of bond market, Xiao Zhang can choose short-term financial products linked to bonds.

The annual balance can be considered in terms of investment.

Xiao Zhang's annual savings in 2011 amounted to 65000-2100 x 12=39800 yuan, equivalent to 3317 yuan monthly investment. Considering that Xiao Zhang had already allocated a large proportion of shares in the current assets, the fund can be selected to construct a fund portfolio with 3~4 fund. The selection of fund varieties can be considered in combination of index type, mixed type and partial stock type.

The annual savings at the end of 2012 were: 39800 x (1+6%) +39800=81988 yuan.

After financial planning, Xiao Zhang will achieve the goal of saving 300 thousand yuan by the end of 2012.