"Growth Oriented" Family Finances Are Mainly Based On Stability.

Mr. Qin and his wife are 31 years old, and their children are over 1 years old. The family wage income is about 144 thousand yuan each year, with a deposit of 100 thousand yuan.

Mr. Qin plans to redecorate the house in two years, and he needs to prepare 150 thousand to 200 thousand yuan of funds. As his child grows up, Mr. Qin also wants to prepare an educational fund for him.

In this regard, the financial planner suggested that he classify the 100 thousand yuan deposit into two years, and he could fix the decoration after two years.

The goal of preparing the education fund can be achieved through 10 years of dividend insurance.

Mr. Qin and his wife earn about 144 thousand yuan a year after taxes, and they have five risks and one gold. Two people have about 22 thousand yuan each year.

There is a child over 1 years old.

At present, there is a set of housing, car free, mortgage remaining 450 thousand yuan, for 2500 yuan per month.

Families spend 5500 yuan a month, and now there are 100 thousand yuan in time deposits.

Mr. Qin plans to redecorate the house two years later, and he needs to prepare 150 thousand to 200 thousand yuan.

At the same time, I want to buy a 150 thousand yuan car two years later.

Traveling abroad every year costs about 10 thousand to 20 thousand yuan.

In addition, preparing for an education fund for children to go to school is also a problem Mr. Qin must consider.

According to Mr. Qin's situation, Dai Hongkun, a financial planner of Pudong Development Bank Qingdao branch, believes that Qin's family is in the growth period of family growth cycle, and is in the process of capital accumulation. At present, the family's financial situation is more robust and less rewarded.

Therefore, we can use family income and expenditure balance, appropriately increase the holdings of investment assets, and accelerate wealth accumulation to achieve the goal of family financial management.

Dai Hongkun suggested that Mr. Qin withdraw from the maturity of the 100 thousand yuan deposit, take out 20 thousand yuan to buy money funds, and 50 thousand yuan to buy cash management products, which can both stabilize the income and prepare for the use of funds in the next year.

At present, the A share market is taking the bull market, and another 30 thousand yuan can buy stock funds to increase returns.

Two years later, Mr. Qin's husband and wife two people's provident fund also accumulated 44 thousand yuan, plus 20 thousand yuan Monetary Fund (annualized yield 4% calculation), 50 thousand yuan of financial products (annualized yield 5.35% calculation), 30 thousand yuan equity fund, is expected to achieve a total of about 151 thousand yuan of gold plus income, can be used for housing decoration.

After deducting the monthly expenses of the family, Mr. Qin can have a balance of 78 thousand yuan a year.

Dai Hongkun suggested that he take the first year's balance of 78 thousand yuan, and take out 20 thousand yuan to purchase flexible cash management products, such as monetary fund, to protect the rainy day.

The remaining 50 thousand yuan to invest in bank financial products, get relatively healthy earnings.

The balance income in second years is allocated in fixed income and equity products.

As a result, within 150 thousand years, we can get together the purchase cost of $1 and the travel cost of more than $10000. If the investment product performs well, the travel budget can be appropriately raised.

In order to prepare the children's future education fund, Dai Hongkun suggested that Mr. Qin invest 6588 yuan a year to buy two full bonus insurance and ten years' payment, so that he can receive 9000 yuan of education money every year when he goes to college, and at the age of 28, he can also receive a business venture of $54 thousand.