financial case
Mr. Yu of Changsha is a national civil servant with a monthly income of 6000 yuan. A girlfriend works in a state-owned enterprise. Her monthly income is 8000 yuan, and the unit pays five risks and one gold. Mr. Yu and his girlfriend are ready to get married this year. Now there is a house of mortgage, which is being renovated. Now two people have 1500 yuan a month and 3000 yuan a month. Both parents have retirement pay and endowment insurance,
designer apparel outlet sale, the burden is relatively light. The cash and deposit of the two people were 150 thousand yuan, and there was a 120 thousand yuan car. As Mr. Yu is interested in financial management, he is not very proficient in investment. For this reason, only a small number of funds have been spent on diversified investment, the fund is 10 thousand yuan, the stock is 10 thousand yuan, and the gold and the collection is 10 thousand yuan.
financial target
hopes that through planned investment and financial management, family assets will be guaranteed stable income.
financial goals analysis
first,
nike shoes outlet cheap, Mr. Yu and her girlfriend's monthly income is 14000 yuan, the monthly expenditure is 4500 yuan, the monthly balance is 9500 yuan,
all wholesale, plus 150 thousand yuan cash and the current deposit, Mr. Yu has more funds to do prudent financial management. Although Mr. Yu has begun to invest in funds, stocks, and gold and collectibles, the proportion of investment in financial expenditure accounts for a lower proportion of total income. Liu Shu, financial manager of the Bank of China branch of the Bank of China, suggested that Mr. Yu could appropriately configure some sound investments.
second, the two people only pay the basic social security and no other commercial insurance. If one party is unemployed or an accident, it will have a great impact on the newly formed family in the future, and it may even be difficult to maintain the living standard of the family. Therefore, Liu Shu, a financial manager, suggested that some commercial insurance should be appropriately allocated to increase family security.
finally,
Polo Ralph Lauren, Mr. Yu has to make preparations for supporting the elderly and raising children in the future.
financial advice
1, cash planning
Mr.
and his girlfriend have a total balance of 9500 yuan a month. In general, family balances are quite high, but they need reasonable financial management. The balance of 9500 yuan per month can be fixed on a regular basis to buy a monetary fund to gain a steady income. The annual rate of return is about 4%. It can be used as a family emergency fund or as a tool for the reserve of family funds. This fund can be used for marriage and investment in the future.
2, insurance planning
Mr. Yu and her girlfriend are the main sources of family income, not only to support the elderly but also to raise children, to strengthen their own security, and to reconfigure some of the accident insurance and major disease risk, to increase the ability of the family to resist the risk.
3, support the elderly to nurture children planning
because both parents have retirement pay and pension insurance, the burden is relatively light. But for future child rearing, financial manager Liu Shu suggests making preparations ahead of schedule.
