High-risk preference families:
Venture capital pays attention to high returns.
Case 1: Ms. Chen is a salesperson of a foreign trade enterprise, and her husband is an employee of a public institution. She has a 2-year-old baby at home, with a total of 200,000 deposits and bonds. Both husband and wife have five insurances, and there is no commercial insurance. Monthly income 10000 yuan, monthly expenditure 6000 yuan, including rent 2000 yuan. I hope to achieve the goal of buying a house.
Family analysis: the composition of Ms. Chen's family income shows that the monthly income of husband and wife is not much different, which belongs to the type of "two people working together to create tomorrow". In the composition of family income, wages are not the source of income, which is conducive to dispersing the possible risks brought by personal income changes. In terms of expenditure, the current daily living expenditure accounts for 34% of the family's monthly expenditure. As a result of renting a house, buying a house will definitely become a big expense in future life. At present, the monthly household savings ratio is 37%, which shows that household income and expenditure are well controlled, but the value-added ability of surplus funds needs to be effectively improved. The total assets of the family are 200,000, and there is no debt. However, as the plan to buy a house is put on the agenda, children will grow up slowly, and hidden debts will gradually emerge.
Financial management goal: according to Ms. Chen's actual situation, her current primary financial management goal is to adjust the asset portfolio and increase effective investment. Followed by children's education planning and family risk prevention and control work.
Asset allocation: Ms. Chen is in the early stage of family construction, her career is in the initial stage, her children are lightly burdened, and her monthly balance is large, so she can take greater risks. The core of financial management should be investment, followed by children's education, risk management and insurance planning. We can try some high-risk investment projects under controllable risks, enrich family assets and accumulate investment experience.
Prepare sufficient emergency funds. After paying attention to reducing irrational consumption such as blind shopping and realizing the gradual accumulation of wealth, the family's emergency reserve should be able to maintain the family's expenses for 3 to 6 months. At present, Ms. Chen spends about 6,000 yuan per month. It is suggested to prepare an emergency reserve of 20,000 ~ 40,000 yuan, which can be deposited as a bank demand or invested in a money market fund.
Properly configure insurance. Insurance is essential in family financial management. Life insurance can not only ensure the safety of life in case of family accidents, but also supplement family income and improve the quality of life in old age. For example, China Life Insurance Company's Guo Shou Xiang Tai whole life insurance and Ping An Insurance Company's Jin Bao Pen endowment insurance. Besides, we need to pay attention to health insurance. For Ms. Chen's situation, we can consider the "happiness and well-being" insurance of Pacific Insurance Company.
Venture capital: Ms. Chen has strong risk tolerance, so she needs to set foot in some high-risk investment projects and gradually expand the scale of family assets. Based on the actual situation, this paper puts forward the following suggestions on its investment allocation: 30% allocation of funds, 20% allocation of bank wealth management products, 20% allocation of stocks and 30% allocation of time deposits.
Early investment in children's education: Ms. Chen's children are still young and her consumption is low. With the growth of children's age, family expenses are bound to increase, and consumption expenditures such as education, tutoring and medical care are very large. Ms. Chen Can bought an education insurance, which belongs to the saving type. You can invest regularly every year, which can not only force savings, but also get certain protection. Its premium exemption function makes the family economic crisis not affect children's education. In addition, you can open a fixed investment account, invest regularly every month, insist on fully enjoying the effect of compound interest for a long time, effectively spread risks and obtain considerable benefits.
Happy two-person world of newly married: living within your means and starting a happy little life.
Case 3: Mr. Lin and Ms. Dou got married on 1 1 this year. Mr. Lin has an annual income of 50,000 yuan, and Ms. Dou has an annual income of 30,000 yuan. Both companies have five insurances and one gold. When I got married, my parents made a down payment and bought a three-bedroom apartment with a provident fund loan of 550,000 yuan. At present, the basic living expenses are 2000 yuan per month, and the loan is 3000 yuan. Excluding travel and other extra expenses, I can save 6.5438+0 million yuan every year. Neither parent needs subsidies to take care of them. They don't have a car, they don't have a car plan, and they plan to have children in the near future.
Family analysis: Newly-married families are facing children recently. At this stage, Mr. Lin's family usually faces family financial planning problems such as buying a house to repay the loan, gradually increasing the living expenses, and planning the future child support and education funds. Judging from Mr. Lin's financial objectives, he is indeed facing the same needs as above: reasonable arrangement of housing loans; Reasonable planning of children's education funds; Rational allocation of investment tools such as stock funds to improve investment efficiency.
Financial management goal: Mr. Lin can accumulate few assets at this stage. In family financial management, we should first consider the reasonable arrangement of cash flow to make the allocation of funds scientific, reasonable and effective. The cash flow that should be given priority is: the basic expenditure of daily life; Repayment of principal and interest of existing mortgage loans; Premium expenditure of existing insurance. Living expenses cannot be guaranteed, and life lacks fundamental protection; Loan default may lead to house auction or personal credit bankruptcy and should be avoided as much as possible. The first is to save money to reserve emergency funds and reserve enough budget for having children in the future.
Asset allocation: Marriage is a major event in life and the only way for everyone. For each newly married couple, family financial management is really a big problem. The principle of financial management is simple, that is, living within our means.
Repayment: On the basis of guaranteeing the basic living expenses of 24,000 yuan per year, Mr. Lin should first arrange and plan the monthly mortgage repayment. All the mortgages of Mr. Lin's family are provident fund loans, and the housing provident fund loans are free repayment. Free repayment means that when applying for a housing provident fund loan, the provident fund management center gives a repayment amount according to the borrower's loan amount and term, and then freely arranges the monthly repayment amount according to its own economic situation on the premise that the monthly repayment amount is not lower than the repayment amount. As long as it is not less than the repayment amount, the monthly repayment amount can be freely set by the borrower. Free repayment is flexible, and the repayment plan can be limited to facilitate debt arrangement.
Fund fixed investment: The first stage of their financial management should focus on compulsory savings. For example, opening a zero deposit and withdrawal account in a bank or participating in fund fixed investment are all good ways to make compulsory savings. Take care of wages with the fund. After marriage, the fund will be fixed every month according to the family's economic situation, ranging from several hundred yuan to several thousand yuan. Persistence for a long time will definitely have a good return. Be conscientious in your married life and develop a good habit of one-time savings at ordinary times.
Bookkeeping: After marriage, the post-80s generation can download a bookkeeping software online and make a Zhang Yue income and expenditure statement. First, fix a sum of money in advance every month, and then break down the rest of the money according to the priority of expenditure, such as mortgage, household, transportation and meals ... Then the money can be redistributed, and gradually they can learn how to spend money without affecting the quality of life.
Saving emergency funds: this is the starting point of financial management. The money spent is the water that flows out, and only what remains in the reservoir is your wealth. Therefore, three things need to be done after marriage: first, establish a savings fund that accounts for 20% ~ 30% of your income; Second, budget children's education expenditure, accounting for10% ~15% of their own income; Third, participating in a health insurance accounts for 5% ~ 10% of your income. As for other investments, don't blindly follow suit because you lack risk prevention in this area.
(The above answers were published on 2015-12-10. Please refer to the actual situation for the current purchase policy. )
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