How To Ensure That 200 Thousand Of The Year'S Entry Into The Market Is Two

Mr. Li is 32 years old and works in a public institution. His monthly income after tax is 6000 yuan, 40 thousand yuan after the end of the year, and his income is rising steadily every year.

Mrs. Lee is 29 years old and works in the training industry. Her income varies slightly according to her performance. Her annual income after tax is about 100 thousand yuan.

Both husband and wife have social security and do not purchase commercial insurance.

The retirement benefits of the two sides are relatively high. They do not need Mr. Li's husband and wife to support them. The two plan to have babies next year.

Mr. Li usually pays attention to the investment of financial instruments such as stocks and bonds. Current bank deposits account for 30 thousand, time deposits are 100 thousand, stocks, funds, bonds and other investment assets are about 230 thousand yuan, and the combined income last year was about 10 thousand yuan.

Mr. Lee and his wife have a set of housing, and the market value is 2 million. (now the remaining loans are about 680 thousand yuan, and the monthly supply is 4061 yuan).

Husband and wife two have housing provident fund, account balance total 80 thousand yuan, enter monthly account total 2500 yuan.

Mr. Lee's family spends 5000 yuan a month and spends 20 thousand yuan on vacation every year.

Mr. Li plans to buy a car soon.

He hopes that his children will get a good education in the future, and universities will study abroad.

At present, "steady and steady" life has made Mr. Li have the impulse to start an undertaking, but he is worried that the venture risk has not been implemented.

Mr. Li asked the financial secretary to consult the above questions.

Financial analysis: high net assets families can appropriately increase investment assets

Xu Xuewen, a senior financial planner and Zhongshan branch of Sino Italian life insurance company, analyzed the assets and liabilities and cash flow of Mr. Lee's family through the Zhongyi life financial requirement analysis system (FNA).

Xu Xuewen believes that Mr. Li is at the stage of family and career development.

At this stage, the cause and family have just started, and will soon enter the most important stage of life responsibility: "there are old, small and small, and housing and car maintenance".

This stage of complete protection, the rapid accumulation and growth of family wealth is very important, and we need to make a comprehensive and reasonable plan.

Mr. Li has better family control spending ability, good overall financial condition, strong security, and certain solvency, and debt will not affect the quality of daily life of the family.

Household net assets are relatively high, but asset allocation is too concentrated on self occupied housing, accounting for up to 85%, investment assets are relatively small, and the scale of mobile assets is high, which largely impedes asset appreciation, and the future value added ability of family assets is insufficient.

Xu Xuewen suggested reducing the proportion of liquid assets, increasing investment assets and appropriately increasing liabilities to enhance the overall profitability of future family assets.

Mr. Li and his wife have relatively stable income, and there will be a good growth space in the future. However, the source of family income is relatively simple and the proportion of wage income is 95%.

At the same time, family pillars lack adequate risk protection, and the ability to resist income interruption risks is very poor. Family security planning should be increased.

With the passage of time and the arrival of children, the expenditure of Mr. Li's family will increase in the future.

In this regard, Xu Xuewen gave the following suggestions on Mr. Lee's family finances.

Cash planning:

Mr. Li's family income is stable and rising. It is suggested that 3 to 6 months' family expenditure should be retained as an emergency reserve fund. The remaining part can be used for other investments so as to speed up the increment of wealth and meet the needs of family financial management in the future.

Mr. Lee plans to buy private cars and give birth to children next year. Household spending will increase. It is suggested that liquid funds should be maintained at around 55 thousand yuan, and should be prepared by demand deposits, monetary fund and Yu Ebao.

The pfer of other liquid assets to investment will not only maintain liquidity, but also increase the rate of return on capital.

At the same time, it is suggested that Mr. Li can apply for 50 thousand credit cards to prepare for urgent needs.

Considering the existing assets of Mr. Lee's family and the cost of living after birth, and the education fund plan, it is not recommended to buy luxury models, and the vehicles with a budget of about 100 thousand yuan can realize the function of walking instead.

It is suggested that the total amount of 30 thousand yuan for the first phase of the purchase of vehicles and the total cost of related taxes and insurance can be extracted from the Liquidity Fund, and the loan will be 70 thousand yuan. The loan period will be 3 years, and the monthly repayment of the loan is 2134 yuan, so that the desire to purchase private cars will be realized.

But Mr. Li should also consider the increase in family expenses after a car, with a monthly reserve of $1000 for vehicle use.

Mr. Li's family plans to give birth next year, and at least 2000 yuan per month should be set aside for the children after birth. The cost will be used as a constant item of family expenditure until the child graduates from university.

Mr. Li and his wife hope to send their children to study abroad in the future.

At present, the tuition fee of 4 years in Europe and the United States is about 1 million 200 thousand yuan, according to the 3% tuition growth rate. After 19 years, it is estimated that 2 million 100 thousand yuan will be needed to complete the goal of studying abroad for the future children.

The characteristic of the educational fund is that there is no cost elasticity and no time elasticity. It is necessary to have sufficient education before the children are reading, especially before the higher education, and should be planned as early as possible.

Xu Xuewen suggested that Mr. Li should start preparations from now on. Taking into account the safety and time limit of education fund, it is recommended to withdraw 160 thousand yuan from existing time deposits, bonds, equity funds and stocks for asset allocation. The proportion of fixed asset assets (children's education gold insurance, State bonds, corporate bonds, bank fixed interest financial products) is 65%, and growth assets (stock, fund, etc.) account for 35%.

In addition, it is suggested that Mr. Lee should make a regular investment of 30 thousand yuan from the balance every year. He can choose a fixed investment fund and other safe and long-term stable income before he is born. After the birth of his child, he can choose a special education plan for his children.

By compounding interest at about 6.5% a year, the demand for higher education can be fully met when the child is 18 years old.

Mr. Lee's income from husband and wife is the main source of family income. In the course of steady investment, it is urgent to have basic protection.

Mr. Li and his wife only have social security and no commercial insurance, which obviously can not pass on the risk of life.

According to the "Double Tenth principle" of insurance, 10 of the annual income is set to 10% times the amount of annual income protection. Li Xiansheng's family insurance premiums are about 19 thousand yuan, and the family guarantee amount is about 1 million 900 thousand yuan. The premium is from the annual balance of Mr. Lee's family.

The husband and wife should also purchase a health insurance plan to supplement social security.

At the same time, we should also consider the risk of property loss and suggest buying family property insurance and vehicle insurance.

Entrepreneurship planning:

Mr. Lee has entrepreneurial ideas, but he worries about entrepreneurial risks.

Considering the fluctuation of Mrs Lee's income, Xu Xuewen suggested that Mr. Li should not quit her job and start her own business. She can take part time job to increase her income, or invest only in shareholders, and jointly establish limited liability company with others.

It is suggested that Mr. Lee release the existing housing provident fund account 80 thousand yuan, plus the remaining stock fund 100 thousand yuan, total 180 thousand yuan as the starting capital, although the loss may occur at the beginning of the business, but because the limited liability company is limited by the registered capital, the family property is not responsible for any joint liability. It can relieve the worry of the failure of the enterprise, ensure the safety of other family assets, and do not affect the existing family living standard and the stability of the current work.

According to the annual yield of 15%, we can get 27 thousand yuan in cash income every year. At the same time, we can reinvest the fund with better security and invest in the future. It will be used to supplement the social security pension in the future.