Family inancial planning wedding

Posted by on July 18, 2011

China is still in the low interest rate period and the rate hike cycle, like insurance, pension actuarial interest rate is too low. Background newkids, 30 years old. Wife, 25 years old. We were just married. My after-tax income of 5,000 yuan / month (net of Social Security, Medicare, provident fund). Four festival prize, 6,000 yuan / year. Housing Fund, 35,000 yuan / year. His wife, 1,800 yuan / month (net of Social Security, Medicare, no provident fund). We have a sub-set of 50 square meters of housing units are rental, rent of 600 yuan / month. I have an existing deposit of $ 100,000. Housing Fund of $ 100,000. Invest in stocks 30 million, now worth 11 million, deep-set. I bought a unit of life were added longevity insurance, has paid the premiums, estimated the age of 60 can get $ 600,000. There are old one, all non-I, only the driving power. Daily expenses 2,500-3,000 yuan / month. The car costs 1,000 yuan / month. I bought a permanent well-being of insurance, pay an annual premium of 5,000 yuan, handed 60-year-old. Financial needs (1) is now going to buy a set of 600,000 yuan real estate, which his a 10-million, 500 thousand yuan funded by parents, one-time payment (of course, still have to repay). (2) 3-5 years after the planned 10 million to buy a new car. (3) The next year, with children, want to buy an education insurance, children, and want to help his wife buy a medical insurance. Financial portfolio recommendations (1) daily living expenses. In arrangements 4 million. (2) fitness consumer. In arrangement 5000. (3) tourism consumption. In arrangement 5000. (4) car usage. Was arranged 1.5 million. (5) emergency fund. In arrangements 1 million to be living two will maintain the 20,000 yuan deposit in the form constant. (6) accident insurance. Both husband and wife were to buy China Life Personal Accident Insurance 560 yuan, the annual total expenditure of 1120 yuan. (7) insurance expenses. Continue to maintain the effectiveness of permanent well-being of whole life insurance policy, the annual expenditure of 5,000 yuan. (8) securities. Continue to hold 110,000 yuan shares. (9) to purchase a home. Housing fund with 100,000 yuan and 100,000 yuan demand deposits as a mortgage down payment, mortgage principal and interest year after the column arrived from the housing fund. (10) treasury bonds. Annual income in savings will be 1.9 million investment in short-term government bonds. Financial proportions (1) daily living expenses to $ 40,000. Accounted for 20.7% of total household income; accounted for 9.1% of total household assets. (2) bodybuilding consumption of 5,000 yuan. Accounted for 2.6% of total household income; accounted for 1.1% of total household assets. (3) tourism spending 5,000 yuan. Accounted for 2.6% of total household income; accounted for 1.1% of total household assets. (4) car use fee 1.5 million. Total household income, 7.8%; total household assets, 3.3%. (5) emergency fund of $ 10,000 in total family income of 5.2%; total household assets of 2.2%. (6) Accident Insurance 1120 yuan. Accounted for 0.6% of total household income; accounted for 0.3% of total household assets. (7) Insurance expense 5,000. Accounted for 2.6% of total household income; accounted for 1.1% of total household assets. (8) Investment $ 110,000. Accounted for 25.1% of total household assets. (9) to purchase a home $ 200,000. ; Accounted for 46.7% of total household assets. (10) bond investment 19,000 yuan. Accounted for 9.8% of total household income; accounted for 4.3% of total household assets. Financial advice, analysis newkids and his wife are very young, the ability to make money is in a rising period. From planning point of view, newkids a period of the current main tasks are: purchase, buy a car for his father. According to “seize the happiness today, tomorrow, to avoid the risk of chasing the next life happier,” the financial goals, newkids a financial care in the private, should be a good way to build three systems: First, build and survival stage, cost of living, income and assets, consumption is expected to match the daily consumption system. As young families, we advocate the concept of life is: “to make money, to consume, advocating financial management.” Taking into account newkids and his wife live with their parents, two hole will have children, as well as the cost of living in Shenzhen and other factors, daily consumption of this one should be an appropriate increase. At the same time, the current consumption, the consumer should also add some modern elements, such as fitness, travel, etc. Second, the construction and the survival stage, consumption is expected to match the hedge system. newkids and his wife, very young, at this stage, the focus is hedging two things: First, mortgage interest rates to avoid the formation of family economic pressure. While maintaining the flexibility of the family economy. The basic response is to maintain the right amount of cash flow, about an emergency fund maintained at a reasonable, moderate range. Second, to avoid personal injuries on the family economy. In addition, China is still in the period of low interest rates and the rate hike cycle, like insurance, pension actuarial interest rate is too low. If normal or high interest rates, you can consider buying the couple a number of commercial pension insurance. But the best type of insurance coverage in the beginning before the age of 36, choose 20-year payment period. The major disease categories health insurance, without a family history, can start around age 40 insured. Third, build and live stage, consumer expectations, market awareness and driving force that matches the investment profit system. You invested 300,000 yuan shares. Although capital investment has shrunk, but that does not mean that your investment is not successful, failed. Objectively speaking, China securities market has not yet introduced in the risk-hedging instruments (stock options) today, in front of the systemic risk in the stock market, no matter who, as long as this market is still playing, her hand holding a bargaining chip, then I sorry invested capital is always to shrink a little water. In your case, the private financial management strategy, should still be holding an offensive strategy. (1) daily living expenses. newkids and his wife are a pair of wedding Kang Li. Normally, their lives should be stylish, romantic and warm. In contemporary society, fashion and romance is a cost, is the need to financial support. Moreover, newkids and living in the cost of living is relatively high in Shenzhen. However, newkids and his wife now live with their parents, even if a child is born next year, will save a lot of their cost of living, but also spend less money, so keep the quality of life on a higher level. Arrangements for 40,000 yuan a year, basically enough to flower. (2) fitness consumer. Beauty is an asset, the United States is a charming, warm and sweet love of beauty is additive and preservative, “women who have capacity for Yue has been.” Make healthy, beautiful, gentle, tolerant woman, is itself a blessing, a blessing is the family. However, the United States is the need of care, the United States is the need preservation. So, your wife might find a professional beauty institutions, spend about 400 yuan per month, 1 week for skin care. (3) tourism consumption. Consumption of modern young family warmth, stiffness consumption. (4) The cost of car use. Was arranged 1.5 million, at a moderate level of consumption. Should be particularly noted that the statutory motor vehicle third party liability insurance must be purchased on schedule. According to “Road Traffic Safety Law” and the Supreme Court judicial interpretation, and Shenzhen Shangwang an annual per capita disposable income in Shenzhen in 2005, crushed 1, the maximum amount of compensation was 55.2 million. And motor vehicle third party liability insurance, the insurance amount of 50-100 million (Hua property insurance rates), annual premium payable only 1691.8 yuan. Spend a little money, reduce some of the trouble, to reduce personal and family unbearable economic losses, this is a wise choice for modern people, but also the basic requirements of civil law. (5) emergency fund. Since you will be his father, the child come to be some temporary increase in spending. At the same time, mortgage interest rates, should make some response. In addition, in life, plans always change faster than in the economic life of the family, some flexibility should be enhanced and lubrication of components. (6) accident insurance. Through insurance and the hedging instruments to hedge the risk of economic life to pass. Modern financial management is a wise choice. You and your wife were to spend 560 yuan per year, which were given a 20 million personal accident protection and $ 20,000 of personal accident medical insurance (accident insurance of the insurance contract was 2 ‰; accident medical insurance rate 8 ‰).

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