July 2, 2009 - In cash management |
Family annual income 85,000 family deposit 50,000 real estate house produce one other investment funds invest 2000 in debt room loan 1500 yuan every month per month definitely since; Borrow money the annual total expenditure of 60,000 yuan children of family of 50,000 yuan educate the financial situation of the annual expenditure of 16,000 yuan to analyze: Family's annual income: 85,000 yuan; Fixed year expenditure: 50,000 yuan; Financial assets: The fixed deposit of 50,000 yuan, the monetary fund of 2000 yuan is thrown definitely every month; Fixed assets: Since one set of houses; The family in debt: 1500 yuan per month mortgage, 50,000 borrows money; The welfare is ensured: Couple two people have social insurance; The financing is proposed: The high medium-sized income of gentleman's family, revenue and expenditure are steady, the educational expenses of future have pressures.
8,Purchased bridal chamber and daughter and passed and supported the high school two years ago, had nearly exhausted the high gentleman's resources, prove the high gentleman is insufficient in conducting the family finance. Though high you and your wife have more complete welfare to ensure, propose buying a long-term life insurance, serious disease and casualty insurance, the daughter should buy a simple accident and health medical insurance too, so as to equilibrate the potential risk of the high gentleman's family.
9,In cash management, propose the financial affairs that high madam gave to the family and do one to count, comb every revenue and expenditure of the family, raise the service efficiency of the fund, reduce some random expenditure. The following three years should be the high rehabilitation of gentleman's family, increase the family and deposit money, store higher education period of capital reserve of daughter progressively, believe high Mr. the monetary fund of 2000 yuan shoot, have Italy this even definitely every month. Just the monetary fund is regarded as the short-term cash management tool and financial product of the low risk, about 2.0% of reservation incomes are not higher appreciation need suiting the high gentleman very much, propose investing in this regularly and improve some more transferring to the high-quality stock fund of a market, what it is concrete with how is fund suitable go on tactics invest, the high gentleman can let the local expert consult and study face to face. Sustain and inject capital into the education fund at ordinary times, draw when the daughter in the future enters a higher school etc. to need great volume to pay.
10,Debt management and assets appreciation, can enter a higher school, provide funds, support moment in daughter, believe it should be a relative with very near relation, so the short-term one pays one's debt the pressure should not be big. The investment in property needn't be considered either before the daughter graduates from university, so high you and your wife, after doing a good job of own job, how to cut expenses to put more energy into, how to help the question of one's own wealth appreciation of family to come up through the commonly used financial tool for managing money matters, study and practise more, exchange with expert and consult more, and can promote family's assets earning ratio effectively in this respect.
11,The high gentleman is in the government department, welfare should all have very good guarantee to ensure and support parents retiredly, and the pension that the wife supported parents and only depended on the social insurance in the future is far from enough, propose the high gentleman sets up a pension fund account specially, invests 3000 yuan to buy the high-quality stock fund fixedly by norm per month, improve accompanying by national economy wholly, it is all right to be carefree to support parents naturally.
4.Rely gentlemen and serve as a sales director in the large-scale overseas-funded enterprise, the monthly income is 10,000 yuan. The wife is engaged in the work of media, the monthly income is about 6000 yuan. Rely several years such as friend in gentleman establish one's own company, rely gentleman take out 100,000 yuan become a shareholder in savings, later could get about 10,000 yuan of bonus every year. During these years, couple two people type, cut house wealth meticulously, buyer buy after the car, have to accumulate. Include saving regularly at 250,000 yuan, and the 5 -year document-based national debt of 50,000 yuan. Rely the commodity apartment that the gentleman grants the loan and buys and return the loan of 3000 yuan per month, still owe the bank a loan and interest of 150,000 yuan at present. The expenses spent in providing the car for oneself are about 20,000 yuan every year. |
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