Mr. Zhang, aged 30, in public institutions, provident funds, social security has an annual income of 15 million; wife of 27 years old, currently in domestic child, a child was born there 2 months.
Family existing set of real estate (market value 60 million), 325,000 yuan mortgage, the repayment of principal by way of matching has also more than a year; another 100,000 yuan loan to others; there are also student loans in 5000 yuan (2010 to pay off); the fixed deposits of 5 million, demand deposits 25,000 yuan.
about 1,500 yuan a month in living expenses; communication costs 218 yuan; electricity, gas, water, ground water a total of about 200 yuan per month; each January 2200 loan repayments (mortgage) +330 yuan (student loan) = 2530 yuan; 600 per month, is scheduled to vote funds.
unless the case of serious illness, the general cost of living without both parents, two of the burden.
financial goals
1. going 2 - 3 years to pay off personal loans, buy a 10 million cars.
2. to purchase commercial insurance to increase security.
3. for the children After some study and living expenses reserves.
4. to do planning for the couple's pension.
financial analysis data calculated according to the case, Mr. Zhang monthly household expenditure is 5500 yuan, the annual expenditure amounted to 66,000 yuan, 84,000 yuan in total balance. family 675,000 yuan of total assets, liabilities balance of about 405,000 yuan. from the balance point of view, Zhang family savings pretty good sense of awareness and conservation, enhancement of the net assets of certain capacity.
Zhang family's assets structure of a large proportion of debt, family finance face greater financial risk. from a liquidity point of view, Mr. Zhang is about the family's liquidity ratio 13.64, indicating that the flow of Mr. Zhang assets to pay for spending the next 13 months, a certain amount of assets to maintain liquidity and ability to pay, but also affected the profitability of assets. From an investment perspective, Mr. Zhang to take home only a month is scheduled to vote funds for investment, investment awareness is still there, but the whole capacity of the asset value is not very strong.
Overall, the financial position of Mr. Zhang is the most important issue in the heavy debt burden, facing high risk, lack of family members risk protection, the overall assets of the lack of growth potential. the future, as the child's birth, Mr. Zhang will also have greater household spending up space, and revenue is not expected to have a greater short-term growth.
financial advice < br> complete portfolio debt and car
Zhang would like 2 - 3 years, 10 million purchase of a car, pay liabilities, goals can be in this merger. In the absence of loan repayment period and have phases and therefore can not calculate the specific amount of outstanding loans, a conservative estimate is still 30 million loan balance, and matching the principal burden of repayment of the interest method in early heavier, so the current is not suitable for early repayment, to maintain the status quo .5000 per The student loans are reflected in expenditure next year, you can also end, and need not re-planning.
main objective now is to prepare, within 3 years 20 million fund, of which 100,000 yuan to pay off personal debt , 10 million for the purchase of cars. to achieve this goal requires the help of investment plans, investment in infrastructure in view of the family Mr. Zhang, the proposed fund portfolio by investing in ways to accumulate capital, can be configured to 70% of the more robust style of the proportion of shares of Class of partial funds, while 30% of partial debt allocation group of funds, the annual compound rate of return of 8%. 5 million initial deposit can be one or sub-sub input, and then after an additional investment of 3367 yuan per month, so that the accumulation of 20 after 3 years million yuan of funds for debt and the purchaser.
the insurance protection to light can be seen participating
Zhang family's insurance assets is not sufficient. Mr. Zhang is not enough I have only Social Security. From a scientific point of view of insurance plans the family premium expenditure can account for 10% of the balance, the balance of the insurance amount should be about 10 times. In the insurance configuration, the main source of income as a family should be the first of Mr. Zhang object of protection, family members should be followed between the ratio of 6:3:1 with the principle of Mr. Zhang as the main source of income by insurance premiums and the insured amount should be accounted for the entire family of about 60% of insurance assets, as Mrs. Chang, 30% of insurance purchased about.
insurance products, Mr. Zhang should choose varieties that some medical insurance, accident insurance and pension insurance. should be more emphasis on the protection function of insurance assets, dividends should not be the main consideration for the insurance. For Mrs. Chang can pay attention to purchase health insurance, medical insurance and so on. For Zhang focused on children considered insurance accident insurance and critical illness insurance aspects.
education payments of 1,000 yuan each month is scheduled to vote
Zhang monthly household expenditure for 5500 yuan, while the child is born will increase. Mr. Zhang used 25,000 yuan as imprest family life. this part of the reserve funds as demand deposits can be set aside, can also be configured as part of money market funds to maintain.
gold on education, suggested Mr. Zhang is scheduled to vote in the original 600 yuan per month on the basis of funds and then an additional 1,000 yuan, 1,600 yuan is scheduled to vote this month, the annual compound return rate of 8%, the funds will be after 18 years reached 768,138 yuan. is expected to meet the child at home on the university or study abroad or the needs of entrepreneurial independence.
after buying the car is scheduled to vote on the pension of 2,000 yuan for the age
view from Mr. Zhang, retirement pension plan not yet part of the planning task is urgent, but the sooner the pension plan preparation, the more revenue. regular fixed investment is the best tool to achieve this goal. Assuming the age of 60 Zhang ready to retire, live according to the average life expectancy to 85 years old assumptions, to consider adjusted for inflation, assuming that the future cost of living during retirement calculated according to 100,000 yuan each year after retirement investment strategy can ward off inflation, the need to prepare for retirement, a total of 2.5 million yuan. In order to meet the funding requirements, the proposed completion of purchase Zhang Car debt targets, that is, after 3 years at fixed monthly investment to the preparation, in accordance with the annual average rate of return of 8% to calculate the monthly amount of fixed investment should be 2,190 yuan. 27 years during the preparation, it can be appropriate adjust the ratio of fund portfolio allocation, partial shares of such funds may be appropriately adjusted by, partial debt reduction can be appropriate such funds.
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