The Deposit Is Only 10 Thousand &Nbsp; The Monthly Pension Is 4 Thousand.

Case description: Mr. Zhang is 48 years old, and has a yearly income of 150 thousand yuan in a construction company. Mrs. Zhang is 47 years old. She has no job since she gave birth to children. Two people have a son, 11 years old.

At present, the family only deposits 10 thousand yuan, the loan has not yet repaid commercial housing set, when buying value 400 thousand, has appreciated to 700 thousand.

Annual household daily expenses and children's education fees are 90 thousand yuan, and mortgage repayment is 40 thousand yuan.

Mr. Zhang insured himself for a life insurance of 750 thousand yuan, with an annual premium of 10 thousand yuan.

Both elderly people own housing, medical care and old-age security.

At present, Mrs. Zhang has a job opportunity of 50 thousand yuan a year. After deducting the possible additional expenditure, he is expected to balance 40 thousand yuan and is hesitant to accept the new job.

One, bid farewell to ten thousand yuan deposit dilemma.

Two, consider whether to use property to increase families.

Three, prepare 100 thousand education funds for children and university graduates.

Four, intend to retire after the age of 60, to maintain a high standard of living now 4000 yuan per month.

Family financial planning

1. educational planning: Children's education

2. pension planning: according to the 3% inflation rate and the life of 80 years old, when Mr. Zhang retires, he needs to prepare about 1 million 370 thousand yuan retirement funds. According to the annual yield of 10%, we need to invest more than 5000 yuan per month from now on.

According to the family's current income structure, even Mrs. Zhang's work is not enough to cover this expenditure.

On the one hand, it is suggested that Mr. Zhang lower the retirement standard. In addition, Mr. Zhang insured 750 thousand yuan insurance for life insurance. If necessary, he can recover the cash value in advance and make up for the shortage of pension funds.

At the same time, it can also be invested in a balanced or equity fund.

3. Insurance Planning: Mrs. Zhang and children should join the national basic medical insurance.

At the age of Mrs. Zhang, the risk of commercial serious illness insurance will be very high. Therefore, it is recommended to increase the cost of hospitalization, hospitalization allowance and other low cost consumer insurance.

Children are young, and can increase consumption, such as hospitalization, accident and medical treatment.