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Under the old sandwich a small middle-aged family financial need earn steady demand
33-year-old Mr. Liu is responsible for financial management in the bank, Mrs. Liu in the organs, children over 3 years old next month. There are old, under a small, is a veritable
Liu average monthly family income of 4,500 yuan Nike Free run shoes, 2500 yuan per month savings. Due to professional reasons, the family's financial burden of responsibility to fall on the shoulders of Mr. Liu. In addition to housing reform of property rights have been bought, the house property is mainly government bonds and corporate bonds, close to 10 million, and another 3 million in demand deposits.
Mr. Liu believes that companies not only high interest debt, you can also make a little difference, yield about 3%, is indeed higher than time deposits. For the stock, Mr. Liu that the risk is too great, not for him Qiuwen character. In addition, the couple just to Although their are also people in the industry, but still would like to invite Mr. Liu family financial planner Comments own home portfolio. Comprehensive financial planning
family:
Liu family is growing, the couple is stable, higher income Lebron basketball shoes, burden is not heavy, large sums of money are expected to use at least 10 years, risk tolerance is above average. In addition to education Nike air max shoes, family financial goals gold accumulation should also include financial security and assets. Recommended ratio of financial assets: 5% protection class life, 30% of the combined deposits and bonds, 65% stock funds and financial insurance.
1, increase the proportion of venture capital, to prevent inflation from eroding household assets
see Babolat racket, Mr. Liu is indeed a bit competent banking experts, the financial arrangements for their own family is so strong, like banks. But in banking operations, deposit the amount of loan principal and interest is pre-determined, without regard to inflation. And family financial management must consider the impact of inflation, because the family, out of the real purchasing power of money on the book does not make sense, this is the family finances and financial management of the different banks.
Current education and medical care prices fast enough. According to international and domestic experience in the case of sustained economic growth, inflation of 4% or less are considered to be moderate and appropriate. The customer's financial assets to focus entirely on low-risk species, only 3% annual rate of return Mont blanc meisterstruck, which is not really accumulate wealth, should future funding needs.
2 Belstaff roadmaster jackets, long-term focus on investment in the stock market and share growth
Liu Jin's main children's education spending in the University study period, 16 years ago there. Mr. Liu also used a couple pension after 23 years at least. This family provides a broad financial room for maneuver. Generally believed that the stock investment risks, which is more short-term risk and stock their own local risk. From China's economy as a whole, the international economic organizations was widely predicted that the next two to three decades, China's GDP will maintain 8% growth rate. In this historical context spyder jackets, the Chinese economy overall risk is small, the same Audemars Piguet watches, the scientific system of China's stock market investing long-term risk is very small. Mr. Liu suggested
through various equity funds or financial, insurance, and actively invest in the Chinese stock market to obtain their own risk tolerance and ability to adapt to substantial returns. On the contrary, the recent selling bond funds, as interest rates is limited, and expensive, not suitable for the actual situation of the family. Bonds may continue to practice some of the bond has been set investment ideas.
3, leaving 1 million deposit as a reserve fund to meet contingencies
except a small amount of demand deposits, the the rest can be saved as a different period of more than certificates of deposit, so need some time to withdraw, while the rest continue to ensure higher returns.
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