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How To Manage The Well-Off Families In State-Owned Enterprises

2010/12/14 15:09:00 43

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Mr. Liu is 32 years old and is in a state.

enterprise

My wife, 30, is an accountant of a company. My son is 5 years old.

Income and expenditure: the annual household income is about 100 thousand yuan, the annual living expenses are basically 30 thousand -4 yuan, and the other expenditure is 5000 yuan.

Assets

Status: 15 thousand yuan for current account, 150 thousand yuan for time deposit, open type.

fund

40 thousand yuan and 30 thousand yuan stock.

Insurance: Mr. Liu and his wife have social security.

Financial targets: plan to buy a car in about 3 years (about 100 thousand yuan), buy a parking garage (around 50 thousand yuan), set aside 4000 yuan a year for travel expenses, and next year the primary school is expected to charge 5000 yuan per year.

Pulse inquiry

The current balance ratio of Mr. Liu's family is 60%, which shows that Mr. Liu's family has a certain sense of savings, and the family's floating assets are relatively adequate, but it also affects the profitability of assets.

In terms of investment, families have certain investment awareness and investment basis, but investment assets are not enough.

In addition, family members lack perfect personal risk protection.

Suit the remedy to the case

Consumer spending planning: Mr. Liu's goal is to set aside 4000 yuan a year for tourism and 5000 yuan for education, which can be directly taken from the annual balance and combined into the annual household expenditure, so that the median annual expenditure will increase to 49 thousand yuan.

In addition, buying a $100 thousand car and a garage of 50 thousand yuan in 3 years can start with 50 thousand yuan from the time deposit as the starting capital, and then from now on, 30 thousand yuan can be accumulated to accumulate funds. Because of the shorter period, it can invest in bond funds, and expect an average annual income of 5%, so that after 3 years, a total of 152456 yuan can be accumulated, which can be used to purchase cars and garage and to pay related taxes and fees.

Risk management planning: it is suggested that Mr. Liu and his wife should pay about 6000 yuan a year as insurance premiums, mainly considering accident insurance, health insurance and other varieties, mainly focusing on protection functions, and properly configuring commercial insurance for their sons.

Children's education planning: it is suggested that 50 thousand yuan should be taken from the time deposit as start-up capital, and then invest 17 thousand yuan a year to accumulate.

Choosing hybrid funds to invest, according to the annual compound average yield of 8%, when the son is 18 years old when he is in University, this fund can accumulate to about 501401 yuan.

Investment planning: Based on the analysis of the age and family structure of Mr. Liu and his wife, we suggest a partial offensive investment strategy.

To build a reasonable fund investment portfolio, it is recommended to select a part of high-quality mixed or partial stock funds, with a ratio of about 60%, while the other part is a partial debt fund, with a ratio of about 30%.