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20 Oct 2011
The economy type family manages finance:Do a fund to settle hurl to accumulate Zan kid education gold
Ms. Liu, 30 years old, in the private Qi work, month income 7000 dollars is or so, the insurance year that purchased the big disease of Chinese span of life pays 2350 dollars and has no other insurances again.This year of husband, Mr. Ye4 , is 31 years old and go to work in the software company, after the month wages tax 5500 dollars, having three the insurance is one gold and have no business insurance.

Fund net case:Ms. Liu, strategic alliance completely30 years old, in the private Qi work, month income 7000 dollars is or so, the insurance(protect a sum 100,000 dollars) year that purchased the big disease of Chinese span of life pays 2350 dollars(still need to be paid for 17 years) and has no other insurances again.This year of husband, Mr. Ye4 , is 31 years old and go to work in the software company, after the month wages tax 5500 dollars, having three the insurance is one gold and have no business insurance.Both the husband and wife rent building to live currently, rental monthly 1400 dollars, have a meal monthly 1000 dollars, other expenseses monthly probably 1000 dollars.Both the husband and wife purchased a set of period building in the 2007 loan and accepted building in June, this year and lent money for 15 years, the month provided 2500 dollars, the house comes down to anticipate to use 60000 dollars or so repair.Existing deposit 150000 dollars, also have an investment stock type the fund is 20000 dollars and have already loss in business 50%.Intend to give birth to a kid in two years.Excuse me, how can expert manage finance to just calculate reasonable?Thank!

【The number vein asks to diagnose 】

The two people's house of happiness, the income is 12500 dollars after the husband and wife month tax, monthly expenses 1400+1000+1000+2500= is 5900 dollars.Accept after the building monthly house rental can save out, that time family the surplus is 8000 dollars, advance retireis a very economical family.There is stock type in family the investment of the fund, although once loss in business half, because the total amount is smaller, still can accept.The family loan measures and the month returns the loan quantity all belongs to normal scope, so don't need to owe debt the last adjustment on the finance.After finishing repairing a house, family surplus the savings of 90,000 dollars, in consideration of the demand that the cash stores can take out 50,000 dollars to carry on an investment to promise the steady increment of family property.Every consider, these two people's patrimonies work still very steady of, the risk isn't strong.

【Prescribe medicine for specific ailment 】

The cash programs:The family existing cash of 150,000 dollars, repairs for the sake of the bride chamber of use, also because the bear market in 2008 resulted in to have no good finance mangaing product.After the June repairs, the family surplus deposits 90,000 dollars, while the family in that time consumes to 4500 dollars.So the family should stay cash to store 30,000 dollars and live to use credit card as a kind of square private of cash storage, 60,000 dollars of surplus carries on a reasonable investment.

The insurance programs:All of both the husband and wife are about 30 years old,building target there is certain guarantee on the income, the health condition belongs to a healthy body again, is the best age that purchases insurance.The mortgage is the point of family responsibility currently, in the future baby arrival, will also increase husband and wife the responsibility on the body.So the insurance guarantee mainly carries on matching according to these 2, the family then protects a sum should is 150,000(amount of mortgage)+450,000(kid's life educates basic expenses)=600,000.Because the husband and wife income compares to 55:70, basic and equal, so the wife and lovers protect a sum are 300,000 perspectively.The insurance fee that the family can bear is 12500 dollars.The wife has already had the insurance of 100,000 big diseases and costs to 2350 dollars, in consideration of the kid possible insurance will expend in the future, so this insurance adjusts a project, the family insurance fee had better control about 8000 dollars more suitable.

2 husband and wife first each allocation periodical life insurance 300,000, guarantee period 25 years, mainly is prevention from now arrive kid adult this time inside family of risk.Increase for husband 200,000 to periodically weigh the disease affixture hospitalization medical treatment and accident insurance.

Educate expenses:The kid hasn't been born, but educates expenses should start a backlog now.Educating the expenses isn't the obligation system educational expense purely and not, this kind of planning and preparing of expenses has to keep certain liquidity.So the choice suggestion of tool is the fund that mixs a type and adopt the way periodically certainly throwing to carry on and take out 2500 dollars to carry on settling hurl monthly,mangaing programming at ordinary times education expenditure deduct from my side.Arrived a kid the 22-year-old university graduates, believe to there is still 1 not and smallly saving to provide a kid in the account start a business of use.Certainly if have already sent the kid the plan for going abroad to then be another matter.



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