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Q: I am currently 28 years old, unmarried Ray Ban Aviator, first job, monthly salary of 1,500 / month, with social security and commercial insurance (pension and ill health, accident), the monthly expenditure of social security and commercial insurance 500, net savings of 1000. The $ 5,000 deposit, no debt, has a value of 100,000 second-hand housing, live with their parents puma stiefel, the old couple retired, there are social security, and commercial insurance. I have a fund portfolio: Hua 450 A shares, after factoring 100 500 700 Yinhua 88 selected, when the theme of Bo 380, intermediation new blue-chip 2000, UBS SDIC financial Hua 90.
Three years after the short-term investment objective is to earn 40 million to buy a 100 square buildings to the old couple, long-term investment goal is retirement and marriage expenses of their own, and now would like to invite the teacher gets advice: First, my fund combinations are reasonable. If unreasonable, then, invite the teacher to help me adjust the funds to buy something else. Second, I want to 1000 yuan per month is scheduled to vote on the combination of the above funds, I ask the teacher how the king that the proportion of funds allocated, in order to achieve my investment goals?
A: By your description, for your short-term investment objectives (three years later to earn 400,000 to buy a 100 square buildings), the Fund only through the combination you have a greater degree of difficulty (requiring fund portfolio income is relatively high, while the last two years to double income of the Fund's market there is a certain historical background cheap ray ban glasses, is a special phenomenon, rather than the usual price, it is not usually this hot market of two years); for the fund portfolio, need to combine their financial target (such as the mid-to buy a house, marriage) may be; $ 1000 per month for your fund investment, recommendations are divided into two parts: one fixed style sound investment fund species (Southern Po-yuan, China International Trust and Investment optional one can melt), mainly in order to raise medium-term (5 years needed to reach) required funds; the other part can be cast stock (exponential) funds, long-term holding, for their own pension ready! The proportion of need based on your specific consumption is expected to be! Balance of funds on your point of view, implementation, short-term goals more difficult, while foreign aid is a different matter if!
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