Middle Income Couples Manage Finances, And Investment Funds Get Satisfactory Returns.

Mr. Yang, 53 years old, the manager of the marketing department of the company, has a monthly salary of 25 thousand yuan. His wife, Ms Li, doctor, has a monthly income of 4000 yuan to 6000 yuan. Her daughter, Maria Tung, is 25 years old and has a master's degree this year.

At present, the family assets are as follows: Deposits 600 thousand yuan, no investment, 300 thousand yuan cars, 130 square meters of housing (one time paid), three people in the family have purchased health insurance and accident insurance and other commercial insurance, the annual premium 15000 yuan, an average monthly household living expenses of 3500 yuan.

Mr. Yang hopes to pass the financial goal.

Mr. Yang's work and income are stable, and his daughter is about to graduate to work. So in recent two years, household expenditure has been greatly reduced and income has increased. From the main financial objectives of Mr. Yang, his daughter's marriage cost is estimated to be between 600 thousand and 800 thousand yuan.

It is suggested that Mr. Yang adopt a financial strategy of "giving priority to stability and taking the initiative into account" so as to achieve the combination of liquidity and profitability.

Financial analysis

1. Insurance is appropriate and no longer added.

Mr. Yang has bought the appropriate amount of health and accident insurance for all three families. Besides, the two units are entitled to three risks (pension, medical insurance, unemployment insurance).

Two, the pfer plan is postponed.

Mr. and Mrs. Yang are close to retirement age. There is not much chance of using cars in the future. With the advancement of the WTO process, the price of family cars in our country is gradually integrating with the international market. The price reduction space is very large, and the existing cars are of medium and high grade. Therefore, it is suggested that Mr. and Mrs. Yang suspend the purchase plan first.

Three, housing prices are too high to be practical.

Because of its non renewable property, the long-term trend of housing prices is improving.

However, influenced by the national macroeconomic regulation and control policy, the price of real estate will probably decrease at the end of this year. Mr. Tung can consider buying property in the first half of next year.

At the same time, it is suggested that when Mr. Yang chooses the real estate, he can consider building a second-hand housing within 5 years, the quality of the house is closed, and the supporting facilities of the district are relatively perfect, so as to lighten the corresponding burden.

Four, investment funds, just in time.

In recent five years, the continuous decline of the market has seriously deviated from the economic development of our country and the operating performance of listed companies. On the other hand, the market bubble has been cleaned more thoroughly, and the prices of some listed companies are in irrational overfall, which is a chance to invest in history.

Since 2004, most of the retail investors have not yet made profits in the market turmoil, but quite a few stock funds have brought investors more satisfied investment returns.

At the same time, the IMF, which is safe, flexible and yields higher than the one year deposit income, has become the best investment tool for modern family savings substitutes and emergency reserve funds.

It is suggested that under the guidance of experts and under the guidance of experts, under the guidance of experts, Mr. Yang will carry out a moderate portfolio investment of stock funds and money market funds, and substantially increase the rate of return on capital under the premise of fully ensuring the safety and liquidity of funds.

Expert tips: Recently, the call for inheritance tax has been increasing. At the same time, the country's macro-control over real estate will not be relaxed for the past two years. Considering that Mr. Dong has only one daughter, it is suggested that Mr. Yang can purchase property in the name of his daughter in the future.