The Risk Of Low Interest Rate Era Is Not Small.

Nowadays, the "post-80s" who have accumulated personal wealth have become the backbone of society.

However, in recent years, the downward pressure on the national economy has increased, housing prices have risen, the stock market has been turbulent, wages have not won CPI, and children's maintenance and education expenses have been increasing. Parents are also starting to retire.

Facing pressure, making necessary investment is an effective way to reduce burdens.

Mr. Li is an engineering worker of a central enterprise in Jiangxi. He is 33 years old. He has about 8000 yuan in handwork each month. His wife is 32 years old and works in a certain institution, which costs about 4000 yuan a month.

In the middle and the end of two, some holidays include about 30 thousand yuan in bonus income.

For the monthly balance of 5500 yuan, it can also serve as the children's education fund and the future.

Supplement, for example, choose two to three funds for long-term fixed investment plan.

"Two people have 150 thousand of the capital accumulation, of which about 100 thousand are in the IMF, about 50 thousand.

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Mr. Li said that two people were married for 5 years, and their children were 4 years old.

When they got married, they bought a suite under the assistance of their parents, and borrowed 500 thousand. Now they need about 3000 yuan a month.

Last year bought a car, no loans - including life, car maintenance, housing, the monthly cost of about 6500 yuan.

Both parents have retired and are in good health. All the expenses can be borne by their own pension, so there is no pension pressure for the time being.

Insiders said that because of the strong ability to bear risks and flexible investment ideas, it is possible to maintain "investment aggressiveness".

"Fund, financial products, insurance and so on.

Mr. Lee and his husband can consider the allocation of accident insurance and serious illness insurance.

The pension needs of parents can consider the combination of accident insurance + elderly cancer prevention. These two kinds of insurance can not only provide protection for the elderly's accidents and diseases, but also have lower premiums than ordinary health insurance.

The financial manager of a joint-stock bank analyzed that Mr. Lee's income was stable, the balance ratio was reasonable, and the debt ratio was also in a reasonable range, which would not cause financial pressure to the family.

At present, Mr. Li holds too much money fund. In fact, enough reserve money can be left. Now, there are 15 million disposable assets, of which 100 thousand yuan are allocated to the monetary fund, accounting for 2/3 of the configurable assets. Obviously, this gain is somewhat conservative for Mr. Li, who is in the family growth period.

Mr. Li's family belongs to the family growth period. The family structure is "old and small." the biggest expense of the family is education expenses and health care fees for the children. When purchasing insurance, they should focus on education funds, parents' self protection and so on.

Both husband and wife have basic social security, but there are no other commercial insurance. Both parents have only basic medical insurance.