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To be qualified for the fiscal women need in life from consumption, investment, security louis vuitton borse, and other aspects of the real and long-term practice, the health of the financial means to realize the dream of life. The following is for professional financial planners at different life stages of three women in the planning of the wealth of life.
Little fish: single women's financial management program
Name: Handsome
Age: 26
Occupation: Teacher
Health: good
Income: 60,000 yuan / year
Expenditures: 25000 yuan / year
Asset position: with demand deposits 40,000 yuan
Sheet: None
Protection status: the basic social insurance, a total payment of 195 yuan per month
Risk preferences: sound
Financial goals:
2006 tour before the end of the two Air Max 180, can bear to spend a total of 6,000 yuan;
2007 to purchase a home before the end of a down payment 100,000 yuan
Financial analysis
Little fish is an advocate of independent knowledge of women, now in a single period. Savings of 2,000 yuan monthly income, annual income and expenditure savings of 35,000 yuan. Small fish most of the monthly and annual revenue savings can be down, which is rare among young people.
Savings down to the income of small fish all form of demand deposits, cash emergency funds so strong, but also caused another problem, that there is no idle funds play the largest role, but suffered from the erosion of inflation .
From the security point of view, the current small fish have basic social insurance. Risk management from a personal perspective, she also need to increase the commercial insurance as a supplement.
Little fish more emphasis on the quality of life, want to travel in organized twice a year. At the same time can be seen, she has a rational understanding of the future life and full of plans.
Single period of relatively low pressure of small fish, there is no long-term loans must be repaid, nor the pressure of raising children, so life was more comfortable, there is a strong risk tolerance. Teachers' professional makes the little fish have more leisure time which if used appropriately, can contribute to the cause, life bumper.
Financial advice
Small fish of the financial situation is relatively simple, but not rational. In order to better achieve their life dreams, suggested that she do for their own financial situation following arrangements.
Establish contingency reserve
Emergency reserve of cash flow as a smooth family of buffer pool, for a single person, usually on the emergency reserve of 3 to 6 times the expenditures can be to cope with unemployment, sickness and other contingencies. According to the specific circumstances of small fish, you can choose 3-fold, which is 1500 × 3 = 4500 dollars.
Contingency reserve a small amount of cash, bank demand deposits and money market funds in the form of combination can be, the specific proportion of the configuration according to the specific circumstances of small fish.
Designed hedging program
Risk aversion program primarily be achieved through insurance. Little fish already have the basic social insurance, but also some commercial insurance to cover their risks may be encountered. Taking into account her specific needs and market conditions, the currently selected type of insurance portfolio to pure protection, such as term life insurance, critical illness insurance, accident (death / disability) insurance, accident hospitalization insurance, accidental door / emergency insurance portfolio, adequate coverage for personal accidents caused by the loss. Currently pay 700 ~ 800 yuan / year premium (assuming Handsome premium expenses of 800 yuan / year), you can get 30 million of the total accident protection.
On this basis, the fiscal objectives of small fish is considered a rational and responsible. Remove the emergency reserves and premium expenses, small fish of the latest home equity savings of 40000 - (4500 +800) = 34,700 yuan.
Investment goals
Can be seen from the data, little fish for the realization of tourism, the purchase of the target amount of funds needed to prepare for the 106,000 yuan. Assuming small fish present state of the same income and expenditure to the end of 2007 (2006.3 ~ 2007.12), the savings will increase their income to 98,900 yuan (34700 +35000 ÷ 12 × 10 +35000), from 106 thousand yuan of financial goals gap 106000-98900 = 7100 million (only a theoretical value). To compensate for this gap may be an appropriate investment of idle funds for profit. Can be roughly calculated, the
Required annual investment rate of return investment products, about 7%.
Taking into account the risk preferences of small fish used for the solid type, time requirements and funding liquidity, the proposed configuration funds investing primarily small fish and small stock funds. Industry experts predict that the next two years the performance of open-end fund to support small fish can be an effective financial goals.
Reminded Handsome two points: First, a series of one-time purchase cost will need to advance thoughtful, well financially prepared. Second, the combination of small fish advocating independent personality and work characteristics, the proposed use of spare time to broaden sources of income small fish (such as shop online, freelance ferragamo sale, tutoring, etc.), both rich in life, but also to obtain additional income .
King Little: Married women's financial management program
Name: Little King
Age: 29
Family structure: 32-year-old husband, daughter, 3 years old, both parents still alive
Family Occupation: are financial professionals
Members of the health status: all good
Household income: income of two years a total of 15 million, of which the king about a small income 1 / 3
Household expenditures: 12 million / year
Household asset position: the housing has a value of 640,000 yuan, 235,000 yuan worth of cars, 2 million in demand deposits, time deposits of $ 30,000 a year
Household debt situation: existing mortgage banks 48 million, the repayment period from 2002 to 2024, 3000 yuan monthly payments
Family security situation: two units in accordance with national requirements on the basic insurance, my daughter has 60 thousand yuan of education insured risk (monthly payment). Both parents have a good retirement without the financial support of the king little couple.
Risk preferences: radical
Financial goals:
Also finished as soon as the mortgage;
Fund for the children ready for school
Financial analysis
King in the family growing small, with enviable features a clear middle-class family: husband and wife both work in the financial system, has a good income and quality of life, and risk appetite very positive attribute. Savings of 2,500 yuan monthly income, annual income and expenditure savings of 30,000 yuan, a Spending 10,000 yuan per month, excluding mortgage costs, car costs, insurance costs and other mandatory daughter's expenditures, it is recommended to find out from the rest of the expenses in flexible spending programs, and to focus on control and improve the income of the family savings level.
Wangsmall asset structure is simple: real estate, cars and deposits. Which there is a great real estate in the proportion of loans, all financial assets in bank deposits exist.
From the security point of view, the current king is only a small couple of basic social insurance, education, the daughter of 6 million risk. Little protection of the king and his wife is not enough, need to increase the business of insurance as a supplement.
Women in the family growing, due to repayment, child care costs, the higher the amount of living expenses. There is not enough income, economic pressure on the more obvious. At the same time, taking into account the child's future education, living expenses, savings need to be actively maintained in the short and long term good cash flow. Therefore, a reasonable plan for such a small king married women with children are particularly significant.
Financial advice
Small king in order to better support the financial goals, its financial position to make the following recommendations.
Establish contingency reserve
In the formative years of the family, the general contingency reserve for the monthly expenditure of 6 to 9 times. However, according to the specific circumstances of a small king, the monthly expenditure of 10,000 yuan in mortgage costs, car costs, insurance costs are the daughters of the rigid spending can be expected, other expenses less than 5,000 yuan a month. Family contingency reserve can be calculated on this basis, the proposed selection six times, which is 5000 × 6 = 30000 yuan. Combination of the emergency reserve similar to the previous case, a small amount of cash, bank demand deposits and money market funds.
Designed hedging program
The existing social insurance belstaff uomo, based on the couple also need some king of a small commercial insurance to cover their risks may be encountered. Taking into account market conditions, the current selection can be pure protection type insurance portfolio, the amount of insurance you can use the loan balance (including interest) for the standards. Wang suggested here a little rough sum insured 50 million, her husband's insurance is $ 800,000. Estimated annual premium expenses were 1300 yuan and 2100 yuan.
Buy savings feature is not insurance, pay a few thousand dollars a year to buy the white peace seems difficult to accept. Therefore, the benchmark interest rates such as insurance, the king of small savings, consider purchasing insurance, such as pension insurance. Remove the emergency reserves and premium expenses, the new king of a small savings for the 50000 - (30000 +1300 +2100) = 16,600 yuan.
Rational planning goals
Small for the king recently, long-term financial goals, taking into account the habits of the king of a small radical type of risk appetite, capital liquidity do not ask, you can try a positive way of managing money. However, education payments, mortgages and other financial goals require a higher security of capital. Therefore, the proposed investment on the whole moderate risk of financial products, such as configuration and a small amount of equity funds and index funds, closed-end funds can also be concerned about.
Families to achieve three objectives, the king little need: First, control of expenditure. Second, the current savings, including bank deposits after the expiration of one year to build a basic portfolio. Finally, take regular fixed monthly means additional investment. Accumulate a sufficient amount of money, then consider early repayment or interest funds and focus on other financial markets.
But little need to remind the king, financial goals at the time moncler online, the amount must be clear calzature mbt, would be difficult to adhere to implementation.
Suru: retired women's financial management program
Name: Suru Age: 64
Family structure: husband and wife
Family Occupation: 63-year-old spouse, former university professor, now retired, the children are studying in the United States
Members of the health status: basic health
Household income: 4200 yuan / month, 50,000 yuan / year
Household expenditures: 3,000 / month, 40,000 yuan / year
Household asset position: 100 million (housing discount) + $ 0.3 million (demand deposits $ 30,000, term deposits of 24 million treasury 30,000 yuan)
Household debt situation: no
Family security situation: now without insurance, you need medical insurance
Risk preferences: sound
Financial goals: not clear
Financial analysis
The Suru as intellectuals already in retirement period, the children studying abroad, Suru are enjoying a happy life enough to live comfortably in old age. Makes a good retirement benefits Suru monthly family income of $ 1,200 savings, the annual revenue savings of 10,000 yuan.
Suru family assets are mainly real estate, and another 30 million in financial assets, mainly deposits. Family has no debt, and have a certain monthly and annual savings. For now MBT Amali, this situation is more healthy, but too conservative. There is not enough capacity in the case of open source, through a reasonable way of managing money to make the Suru pensions against inflation erosion. In addition, the Suru Fu women without insurance coverage, with age, the gradual increase in risk of disease, it must be planned as the focus of financial management.
Financial advice
Retiring in elderly women, after the vicissitudes of life and become calm. Perhaps because of this, Suru's recent long-term life goals are not clear. But from the perspective of financial management is recommended that she be carefully planned, to make their life more worry-free.
Establish contingency reserve
According to the specific circumstances of Suru, the proposed arrangements for the contingency reserve 40,000 yuan (equivalent to one year of normal household expenses), hospitalized, etc. needed to meet the expenses. Contingency reserve in front of a similar combination of form and, as a small amount of cash, bank demand deposits and money market funds and other components. As the property structure of their family can present as an emergency reserve of only 30,000 yuan demand deposits, so reserve as soon as possible to establish emergency financial portfolio.
Designed hedging program
Suru Fu women without insurance, and clearly stated the need for health insurance. Unfortunately, the market does not provide the right insurance products to over 60 years of age. Therefore, the proposed Suru means other than through insurance, mainly by a combination of adequate financial resources to achieve. Therefore Christian Louboutin Coppia, the combination of her financial security is very important, followed by the need to have good liquidity.
Financial goals analysis and recommendations
Women of normal retirement financial goals are common concerns: cost of living in retirement arrangements, arrangements for medical expenses, estate planning and advance preparation of existing assets and increase the sound value. Retirement period as a typical family, the Suru also implies the basic financial goals.
Suru family $ 300,000 in financial assets primarily in time deposits and treasury bills, cash and due after the establishment of contingency reserves, and the remaining 26 million (and possibly a new savings funds) and recommends the following arrangements : 13 million to buy Bank of RMB financing products, 8 million to buy the bond and insurance funds, the remaining 5 million to buy configuration funds. This portfolio is expected to receive a 5% annual return, preservation of assets can be effectively achieved. Additional income for savings, money market funds can be purchased, then the situation to quarterly or annual period the proportion of overweight according to the specific financial variety.
Taking into account the specific characteristics of the Suru, the proposed selection from the residence near the bank outlets to buy financial products. Each category of financial products should not buy too many species. In addition, the bank account should not be too many (3 or less is appropriate).
Through a combination of the above financial assets should be preserved and stable value, plus accumulated and Suru currently there are always new savings, the normal retirement can be guaranteed. Moreover, the combination can better support the future may occur in large medical expenses.
Family assets in real estate is the Suru large items, and families with other financial assets in the estate planning needs in a timely manner for consideration. This is a rational and responsible behavior, but can also reflect on the children in the study abroad care.
The author is Executive Director of Grace banking centers, senior financial planner
