Asset Analysis
3, how to use the remaining funds accumulated family assets in order to make life more abundance.
children’s education plans have a certain periodicity, in children 3 years ago, bringing a larger proportion of gold, milk, clothing and other expenses, like have missed; then kindergarten, elementary, middle and high school education spending showed a decreasing trend gold, tending gradually smooth gold; even when their children enter college to study abroad during this period, education Child support payments are payments increase sharply. Gold preparation in the education process, should follow the following principles: plan ahead, earmarking, increasing the value, in order to ensure the safety education payments. The purpose of education is not gold reserves in order to obtain short-term high returns, but should pay attention to risk diversification, long-term investment, sound investment.
1, cash planning
5, investment planning
leave enough reserve funds necessary for the family. Cash planning based on scientific principles, individual or family holdings of liquid assets as a daily petty cash, should be able to meet its three to six months of living expenses. According to Mr. Ma family assets, couples work more stable, it is recommended to stay less than 3 million as the necessary reserves, and select the currency fund investments. At the same time, Mr. Ma can apply for credit cards, so that when the emergency funding needed to use,home equity loans, but to maintain a good credit rating.
financial advice
in this middle-income families, insurance, the most important is the embodiment of high security, the amount to be based on the proportional contribution of family income distribution, the proposed Ma focus on term life insurance and health insurance. For himself and his wife, daughter, added accident insurance, to further improve the family’s security level.
2, balance of payments situation analysis
financial goals
couples are gradually entering middle age, in addition to Social Security, the pension is not ready to have thought about the quality of life in old age, totally dependent on social security pensions, irregularities. Ma proposed by 1150 yuan per month, is scheduled to vote on the annual return rate of 8% of the five-star stock funds, 24 years after the funds are expected to accumulate about 100 million. Fund investment advantages investment in batches, reduce risk, long-term investment, add up, automatic debit, worry and effort. Now at fixed threshold scheme is very low, usually starting at 100 yuan to 300 yuan, will not bring extra pressure. Must buy a fund at fixed time to see results, preferably for 3 years. A simulation of Taiwan weighted stock price index statistics show that at fixed as long as the investment of more than 10 years, the loss probability close to zero.
3, her daughter’s education payment plan
Mr. Ma is the motor Factory worker, wife, financial institutions, work and more stable income. Daughter is 9 years old, are in primary school. Current family income is more appropriate, but with the increased spending on children’s education, etc., the overall household spending will increase.
1, want to know whether the family business insurance cost overruns.
investment assets: bonds, funds, stocks, class 40,000 yuan, accounting for 6% of total household assets.
2, risk protection insurance plan
should make early retirement plan. China is entering an aging society, experts say 2025, China’s elderly population aged over 60 will account for more than 20%, you want quality of life, should retire as soon as possible to make reasonable arrangements.
Ma, Peking Man, 35, is motor factory ordinary skilled workers, after-tax income of 4500 yuan per month; wife financial institutions to do the work, after-tax monthly income of 3,500 yuan. Ma family year-end awards 1.5 million, the average monthly living expenditure of 2600 yuan. 9-year-old daughter, an annual education expenses 8,000 yuan. The couple’s social security and commercial insurance are insured of $ 150,000, the protection period to 70 years only, the annual premium 9,000 yuan.
housing situation: a set of housing, the market value of $ 500,000, no loan.
Ma’s daughter, 9 years old, is expected to 8 years after college. Average annual cost of an ordinary university $ 20,000, general domestic graduate students calculated the average annual 30,000 yuan, a total of about 14 million; annual growth rate of 4%, 8 years after the payment of higher education is about ready to 190,000 yuan. Mr. Ma recommended education for her daughter to open accounts, fixed investment and 1500 yuan per month annualized return of 7% in index funds, approximately 8 years to get ready.
through insurance and risk management planning, families can make the appropriate level of economic security and reduce the uncertainty caused economic losses. Mr. Ma is a strong sense of family risk protection, the couple have social security, and the family are guaranteed to add class to do business insurance. According to finance the Ma family insurance income ratio = 9550/94000 = 10.16%, from a cost point of view, expenditure is more appropriate.
2, how to raise her daughter’s education payments.
Ma there are deposits, housing a total of 645,000 yuan, debt free. Current ratio = Current assets / monthly expenditures = 120000/4000 = 30; savings ratio = earnings / income = 62800/111000 = 0.57. Data show that a larger proportion of fixed assets, Ma, of 77.5%, weak liquidity; savings ratio of 57%, demand deposits more than a reasonable standard. By ratio of science, to retain demand deposit about 30,000 (that is, spending 3-6 times per month) than the right.
Insurance: The couple have social security, protection class families to buy a regular commercial insurance. Recommended the type of home insurance, make the appropriate add.
financial case
through the planning, in addition to household balance 10% -20% for savings and keeping the type of investment, the surplus of about $ 60,000. Existing investment advice and financial products $ 40,000, total of 10 million portfolio together, add choose some balanced funds, bond funds invest regularly, in the reasonable premise of risk control, to enjoy benefits of long-term growth of capital markets . Through portfolio investment, the accumulation of household assets, can gradually improve the quality of family life.
3, other financial analysis
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financial planner Liu Ocean
4, retirement pension
1, balance sheet analysis
currently Ma family cash and demand deposits $ 80,000, bonds, funds, stocks like 4 million, a $ 500,000 from the housing, household appliances worth 25,000 yuan, debt free. Ma wife is the most troublesome problem in today’s inflationary pressure, how to keep increasing the value of household assets, as well as the accumulation of her education payments, in addition to the couple’s pension is also prepared to consider.
general speaking, the Ma family is an ordinary working families, asset structure is simple, financially sound, debt free, saving and investment in the fund more flexible, but the smaller scale of investment, capital gains are weak.