education no longer have Taiwan actress ‘export’ of the road
4, parents raise pensions.
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As Mr. Meng did not mention the children’s educational expectations, educational funds from the security point of view, we recommend that you use temporarily fixed investment fund to the accumulation of education for their children Kim, the baby is born, to extract from the balance of 500 yuan per month investing in hybrid funds, the expected annual yield of 7%, the accumulation of higher payments for children.
family planning in late 2013 to buy a value of more than 40 million of real estate, we recommend that you use in the form of provident fund mortgage loans to purchase real estate, according to the first suite of about 3 percent of the first payment needs of 12 million, you can use its annual balance of down payment, you can 10% of the existing balance for the purchase of gold, and the rest according to the ratio of 3:3:4 to invest in stocks, mixed cash and bond funds, increased investment income families. After purchase complete room of more than continue to invest in ways to continue to invest, to accumulate funds for the car.
4, education programs
United States deployed troops openly interfere in the negotiations
Fenghuang Wang Home phone Fenghuang Wang
First, the family insured adults should be followed after the first child; Secondly, species with recommended accident insurance, medical, term life insurance first, and insist on the principle of protection after the investment. Suggested the couple should be covered by commercial insurance purchased life insurance, accident and health in three areas, the baby is born, to purchase certain insurance accident insurance and education. In the specific premium expenses, the financial planner suggested that the general control of about 10% of annual income, the choice was to pay the insurance are based.
* Age 35 * professional supermarket manager
1, the balance ratio = annual surplus / revenue = 60%. This indicator reflects the level of the customer to improve the ability of its net assets, and often is 30%. Up to 60% rate reflects the balance of household savings, Mr. Meng are strong.
Mr. Meng, 35, is a supermarket manager, is now living in Guangxi, the annual income of 7.2 million; 27-year-old wife, a supermarket is in charge, the annual income of 15,000 yuan. Mr. Meng and his wife’s work is still stable, the estimated annual wage increase of 5%. Mr. Meng average family spending 35,000 yuan. His wife is now pregnant, and three months, your baby be born. The couple is now in good physical condition, and have purchased social insurance, Mr. Meng has fund. Currently there are 5,000 family credit card debt and other debt of $ 30,000.
basic information:
2, the insurance plan
household financial goals:
to the Mainland to Hong Kong from Indonesia, where the most
1, to raise the baby birth cost of $ 10,000 and repayment of credit card debt;
* Name * Sex Male
Mr. Meng
* Education * where the provinces of Guangxi
2,2 years after the purchase of a value of 40-45 million, three-bedroom houses;
1, cash planning
3,5 years after the purchase of a $ 80,000 car;
2, liquidity ratio = liquid assets / monthly expenditures = 0. Reflect the ability of customers spending less, often is 3-6 or so, Mr. Meng indicator value 0, indicating that his family’s liquid assets is too low.
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current customer data:
United States Singapore near the end,home loan, the new ships will be stationed, with new methods to intervene directly in the South China Sea.
family financial analysis:
appropriate family reserve, to prevent accidents and unemployment occurs when the financial impact on families. Cash management can make a reasonable class of assets to meet family cash needs, but also a gain, will not cause a lot of idle funds, and can take advantage of short-term financing tools to meet family needs. General reserve amounting to 3-6 times the average monthly income, $ 10,000 is recommended that you prepare your baby’s birth as a reserve fund in order to retain the form of cash or demand can be extracted from the monthly balance. After the baby is born, then the balance used to repay credit card debt.
3, car purchase plan