Two Years, Buying A Car And Investing In Finance.

Every family has a hard nut to crack.

Special support: ICBC Zhejiang branch business department "debt the world" core financial team

Basic data

Ms. Shen's annual income is 52 thousand yuan, and the annual income of Mr. Shen is 78 thousand yuan. At present, there is a set of two bedroom with a set of 80 square meters, and the market price is 440 thousand yuan.

Both husband and wife have employee pension insurance, unemployment insurance, medical insurance (commercial supplementary insurance, a total of 220 thousand insured), and the purchase of sickness insurance (50 thousand insured), the annual payment of 4000 yuan.

Ms. Shen bought it for her 7 year old son.

Financing needs

I hope that through reasonable planning, I will prepare educational funds for my son to go to university in the future. I want to change the house with 130 square meters. In the past two years, I will buy a new car of 100 thousand yuan or so. When I retire, I will have a pension of 1 million 200 thousand yuan, and my family will travel once a year.

Financial analysis

Ms. Shen's family is growing up. The annual balance is 15.6%, relative to the income and expenditure of the whole family.

Therefore, it is proposed to reduce unnecessary expenditure and reduce expenditure to around 14 thousand yuan so that the annual household surplus rate can be raised.

Ms. Shen has already paid pension, unemployment, medical insurance (commercial supplementary insurance, total insured amount of 220 thousand yuan), and Shen also bought a 50 thousand yuan risk of sickness insurance.

Therefore, in general, in terms of insurance, some insurance policies are duplicated, and we can consider the risk of temporarily suspended insurance coverage of 50 thousand yuan.

Financial advice

1. educational planning

Ms. Shen is now 7 years old and has two grades in primary school. She still has 10 years to go to the University. If she is studying at a university in China, the cost will be calculated by 30 thousand yuan per year. Shen can start a monthly investment of 700 yuan for her children, so that it can meet the children's 4 years' learning and living expenses.

2. room change planning

The total price of the target property is 715 thousand yuan, according to the proportion of the down payment of the two suites, which is about 357 thousand and 500 yuan. In the case of Shen's current family situation, it is difficult to retain the existing 80 square meter residential apartment. It is suggested that Ms. Shen hand out the property and get the first payment. After repaying the remaining 25 thousand yuan loan, the actual amount of the housing proceeds is 415 thousand yuan, the remaining 300 thousand yuan will be a 20 year housing loan, and the monthly repayment amount is 2280 yuan. Shen hopes that when retiring, she can have a pension of about 1 million 200 thousand yuan, assuming that Ms. Shen retires after the retirement year, and the monthly investment of a yuan yuan fund can basically achieve this goal. Ms. Shen's current property price is around 440 thousand yuan.

3. investment planning

Ms. Shen currently has a fund of 36 thousand yuan, a stock market value of 17 thousand and 700 yuan, and a cash balance of 20 thousand yuan. From the perspective of the whole asset allocation, it basically invested in high-risk assets such as fund stocks and so on. In the hands of excessive cash, Ms. Shen can appropriately reduce the amount of cash assets, leaving ten thousand yuan as household standby expenses, and another ten thousand yuan can invest in some bond funds to increase the rate of return on assets.

4. consumption planning

Ms. Shen hopes to buy a car of about 100 thousand yuan in two years. The total assets of the car are 77 thousand and 700 yuan. According to the annual return rate of 5%, the market value of assets after two years is 85 thousand and 700 yuan, plus two years' balance.

Ms. Shen also hopes that the annual family tour will cost about ten thousand yuan. In view of the annual balance of 17 thousand and 700 yuan, some of them will be prepared for the purchase of cars. It is suggested that Ms. Shen reduce her travel standards, and the total cost will be controlled at around 7000 yuan.