 |
0
Sinorama invited by a financial planner financial planning to create authentic Beijing, gives outsiders a look at a Lehe, Beijing Aspect doorway.
other expenses
1000 yuan / month
150 yuan / year
Mr. Chang is a sense of investment in people is not too strong, wage income will be spent each month. Mainly spent on daily expenses and entertainment with friends, and usually fond of reading books, watching movies, spending a month in this area about 500 yuan each year on travel time.
4,800
5825 yuan / month
6,000
0
9,600
eating out
Remark or clarification
transportation
500 yuan / month
family total expenditure (Ⅱ)
2000 yuan / month
12.9%
3%
150
24000
parents entertainment expenses
2000 yuan / month
cash balances (Ⅲ = Ⅰ - Ⅱ)
24000
First look at Mr. Chang is currently a real estate situation. Currently has two houses, one for living, one for rental. However, far away, inconvenient to take care of parents, it is hoped that parents can leave the place to buy a set of nearly 100 million people around the value of the housing. From the demand is reasonable, but with the state's policy, investment property or a certain risk of short-term future, tax will increase the cost of ownership, need careful consideration, not recommended for loans to buy. We should consider two ways to resolve, through the redemption of housing first approach, that is sold to buy a set, both on the tax benefits, and reduce ownership costs, but also do not consider price fluctuations, and more can save a lot of money. The second way is to use the set of rental housing rental housing in the long-term lease for a living, this method is more flexible, cost is also smaller. Recommended to take the second approach before marriage, after marriage may be considered the first approach, the funds for even more needed.
daily living expenses
other income
rental income
6,000
entertainment expenses
325 yuan / month
entertainment expenses Subtotal
learning, training expenses Subtotal
Because of their ability is very good, there are good future prospects, but the future need to pay more and more responsibility is required in advance for future expenses may be making various preparations, should be primarily a positive way of managing money and change too, The program adjusted to reduce the average monthly expenditure of about 2,000 yuan, the annual planning funds can be used about 24,000 yuan, can be used to increase the protection of investment savings plans and investment, holiday fees may be added as a contingency reserve adjustment at any time after the adaptation phase of over-spending .
342 yuan / month
daily living expenses Subtotal
12000
12000 yuan / year
family expenses
The saying goes, side soil support people. Some of Beijing, Shanghai and three people have made some classic financial evaluation: If you have a dollar, Beijing will be full in the bank; Shanghai people are going to the bank Pentagon, and the other Pentagon for investment; and Guangzhou are would be to borrow a dollar, two dollars to get investment.
111900
400
cash flow before adjustment
Too because there is no sense of investment, and consumption of too many amateur entertainment sac speedy louis vuitton prix, basically to the end of what funds are left over achat canada goose en ligne, is a typical As Mr. Chang has entered the workplace for many years, the passion of working with the passage of time has been gradually transformed into the pursuit of quality of life, life goals is not only alive but also to the pursuit of quality and comfort.
daily living expenses
34.3%
4,000
325 yuan / month
In fact, Beijing put the money to
According to Horizon Research survey report was released, due to geographical differences, Beijing, Shanghai and three of the financial, consumer, there are huge cultural differences. However, Beijing's financial capacity is the worst. Therefore, as a native of Beijing, but more rational use of its natural advantages, wealth management plan, to consolidate a traditional Peking Man
Remark or clarification
12.9%
commercial insurance expenses
100%
communications
3 polos ralph lauren pas cher,200
2,000
2,000
family income (Ⅰ)
investment income
24,000
2,000
Financial advice:
2000 yuan / year
62900
6167 yuan / month
74000
6,000
learning, training expenses
100%
For families, in addition to the necessary emergency reserve fund to protect serious illness, family life, the necessary expenses, the remaining funds should come to venture capital, with a view to increasing the value of the asset. Recently popular saying: Higher inflation is the government urgently needed to solve the problem, but also had to face life's problems. There is a word But how to invest? How to invest? Is a public and personal issues.
buy clothing
income
wages
total income (Ⅰ)
0
often Siyuan expenses
14567 yuan / month
100.0%
42%
74,000
750 yuan / month
3, plan to purchase
other expenses
Subtotal other expenses
2000 yuan / year
2000 yuan / month
3,900
update mobile phones, computers and other technology products
father's pension
36000
cash balances (Ⅲ = Ⅰ - Ⅱ)
5825 yuan / month
150
21%
in the amount of
300 yuan / month
5000 yuan / year
9,000
5,000
commercial insurance expenses
Analysis:
2, purchase plans
3,000
2,000
mother pension
500 yuan / month
4000 yuan / year
wage income
Obey their parents every yearto the family situation often recommended to protect the basic plan and purchase plan implemented during the consideration to a one-time expenditure-based, can be extracted from the family stock of capital.
adjust the cash flow statement before Mr. Chang family
4,100
commercial insurance expenses Subtotal
books, watching movies
150 yuan / year
total expenditure (Ⅱ)
commercial insurance pension
** Accident Insurance
So the whole year 7800 yuan, 650 yuan monthly premium income accounted for 10% -15% or less negozio the north face milano, is more appropriate.
often Seasonal income
97%
household income
3200 yuan / year
500 yuan / month
capital gains
0
Mr.proportion of total revenue
9,000
750 yuan / month
fee for parents to prepare for the holidays
** male critical illness insurance
project
parents daily living expenses
750 yuan / month
project
9000 yuan / quarter
Remark or clarification
36000
Another part with the social security, supplementary medical insurance is very necessary to serious illness abercrombie & fitch homme, although in a short time do not see any benefits in return, not through a barrier can withstand a good investment, but from life in the long term a solid economic foundation to the role of a POW does not rain plan. In the case of Mr. Chang for the first purchase of 20 million guarantee, spend less at 6,400 yuan per year. Steady income to be increased later in life can be gradually increased efforts to protect the 300,000 or so.
21%
learning, training expenses
2000 yuan / year
Professional Training
400 yuan / month
Communication with Mr. Chang, Mr. Chang can be seen that the current source of income is still relatively simple, the main part by wage and salary income to maintain the current life, and there is no fixed part of investment income, with only a degree of protection.
2000 yuan / month
Basic Financial Case:
in the amount of
project
6000 yuan / month
750 yuan / month
other expenses
14%
1, protection scheme
2000 yuan / month
4800 yuan / year
currently no investment
6000
69,900
3000 yuan / month
3 abbigliamento the north face,600
holiday costs
5242 yuan / month
proportion of total revenue
3%
Family situation for Mr. Chang can be divided into two parts, the single large fixed investment and fixed investment. Is a single large investment funds from the family to start a fund to invest in foreign funds and domestic funds and other investment in physical gold, combined with current market conditions, the proposed configuration in about 50% of domestic funds, foreign funds about 40% of the configuration, Physical gold can be configured in 10%. About the domestic part of the subdivision (stock 30% bond 10% -15%, the type of convertible bonds accounted for 5% -10%); overseas can configure some parts of Asia, Latin America and other countries and agricultural products, new energy, environmental protection industry funds. This will not only lose the opportunity to domestic, but also to spread the risks of overseas and enhance revenue. Physical gold is mainly in the long-term assets and increase the value of a process of better varieties, should be given more attention. Fixed fixed investment is the main concern arising from the long-term average cost of continued investment and compounding, so in the planning after Nachu to the monthly average 2000 yuan investment, the bank can force the stock arrives in the way of a fixed fund is scheduled to vote, but also more personal interest to buy (normal open / LOF / closed) funds, to achieve the average cost of fixed investment market, to choose the way converses homme, more suitable for more sophisticated investors.
Professional Exam
proportion of the total pcs
5.6%
74000 yuan / year
24,000
34.3%
3000 yuan / year
amount
total monthly expenses
expenses
From the parents point of view, as have entered the retirement life of leisure, the external risks are gradually larger. Should be given enough attention, increased accidents and serious illness protection. Accidents can purchase commercial insurance to resolve, illness is not necessary to make a purchase, mainly due to increased age, physical condition is not as before, are now insured, then subject to stringent review, and high costs, so as to protect themselves, that is stored by the family of its own funds and investment funds to respond to future illness, the effectiveness point of view from the capital, leaving 10-20 million in cash reserves as a serious illness, 50 million total funds as are necessary to prevent serious illness.
some unexpected expenses
500 yuan / month
9325 yuan / month
friends
12,000
2000 yuan / month
4800
other holiday costs 2000 yuan or equivalent gift. Mother retired from the government now, in addition to retirement pay 3,000 yuan per month outside the Chinese Lunar New Year holiday will be some costs, have public health doctor; father retire next year from the original unit, the Commissioner's office is now a Director of Engineering, the monthly income 5,000 yuan, 2,000 yuan retirement pension will be, mainly by social security health care; currently two old body is still relatively healthy, but also has some old-age insurance, there are still a family rental housing, rent 9000 per quarter million, mainly stored in the bank, so not to worry parents retirement.
100%
Addition, Mr. Chang is still based on the current live together with their parents, and in consumption and investment, the typical family integrity. So in the financial planning also needs to consider the individual investment and consumption expenditures relationship and family to make an integrated program to consider.
5825 yuan / month
rental payments
Personal point of view from Mr. Chang, the current entry a long time, not only the risk of accidents, should be more enhanced protection for the more serious aspects. Protection has not far to address these needs. Should increase the amount. Recommended accident insurance is about 8-10 times annual income, currently taking in 60 million, plus 10,000 yuan of medical insurance and accident medical protection hospitalization costs, probably spends about 1,400 yuan.
entertainment expenses
800 yuan / month
travel
hospital charges, medical insurance
Has a private car, both means of transport, but also a status symbol, but also to broaden our horizons. 10-15 million of the car is a mid-priced. Need to consider the necessity of life, and after the consumption of car expenses. The phrase -2 million to spend, you need to buy it and also a scheme of arrangement.
interest and dividends
additional accident medical insurance
69900
72,000
Often Siyuan is a native of Beijing, Mr. louis vuitton France, 28-year-old, now a foreign office as senior staff, more stable life, a monthly income of 6 timberland magasin,000 yuan, 2,000 yuan per year holiday will cost. He is still single, living with their parents. As has been working for many years, in addition to social security in addition to purchasing a large number of commercial insurance, including 10 million in ill health insurance, 30 million accidental damage protection escarpins louboutin pas cher, 5,000 injuries each year protection.
4, investment plans
174800
400 yuan / year
other training
Topics related articles：- http://www.xiwangwang.com/world/blogs/entry/polos-ralph-lauren-pas-cher-China-Life-1-the-Commission-began-after-the-1-billion-of-capital-to-conquer-new-territories
- http://remarkablewib.com/community/blogs/posts/Marie9742
- http://mydtunes.com/blogs/entry/timberland-magasin-Analysis-of-third-party-mentality-and-better-prevention
