Classic case analysis of individual investment wealth management
Wealth
Undefined is more entertainment for work, the two people have more entertainment, so the basic life overhead of the small couples is about 5500 yuan, and the average annual accounting fee will be 100 yuan per month.
Survive expires to change new foal
Wang Hao couple now only has a cheap Outuo car (currently worth about 40,000 yuan). By in May this year, the total 210,000 yuan of deposits they have deployed will be expired. At present, this part of the money is now replaced by a new car within 200,000 yuan. They think about it, earn so much money, not to improve the quality of life, change a little sedan, use it comfortable, and it is also good to see.
What should I do if I invest in a property?
Wang Hao couple's existing housing market price is about 850,000 yuan. Last summer, they bought a new house with a total price of 1020,000 yuan. In August this year, I can get the house key. Since this house is bought, only the down payment is paid, the balance is investment in bank loans, which gives them a repayment burden on 5,500 yuan per month. Wang Hao wants to use the house to start the beauty salon himself as a boss, but the husband feels that it is not so easy to do itself, or it is convenient to rent out to sit down. In the present, two people are still hesitating, and they have not made a final decision.
How to invest
The two currently except for the money, buy a car, buy a house, basically not touched other financial and investment means. Fund, stock, bond never touched. In addition to having 90,000 yuan in cash and the versus passbook, the two have also voted a life insurance of 100,000 yuan guaranteed amount, and the annual premium expenditure is 5,300 yuan.
How to invest more money in the case of a good job, in order to ensure future life, it can be considered in family wealth management.
Family asset configuration suggestion
At present, family financial status and financial objective analysis
A. Financial status analysis
Looking at Wang Hao family's income and expenditure and asset status, overall is still good. There is a good income (although the stability is lacking), it also accumulates a significant number of family assets. There is a car, and it can be counted in a middle.
From the configuration of home assets, it is basically reasonable, and household debt belongs to a reasonable range of benign. But it can still be seen in the absence of two points. One is a little higher than the proportion of home assets, reaching 85%, and the proportion of financial assets is less than 14%. However, because the home's cash flow is very abundant, the liquidity problem is not large, and with the savings of annual income, the proportion of financial assets will gradually increase, and this issue will gradually solve. Just pay attention to not buy a large fixed asset in the last period of time. In general, the proportion of financial assets in total assets should not be less than 20%; another thousand questions is that financial assets are basically stored in the bank, and there is no appropriate investment.
B. Finance target analysis
Wang Hao has no more clear financial goals, but there is a lot of specific financial issues. Summary Wang Hao's financial management issues have roughly the following:
. Change a little car 7
. When the ambiance is still a boss?
. How to invest 7
. How much is it to maintain the current life?
In fact, it is quite difficult to answer these questions before the future life plan and financial goals of Wang Hao family's future life plan and financial goals are lacking. Because any financial planning and recommendations should be based on the planning and goals of life. For example, when the ambassies or when the boss is completely different, there is no clear and bad. Similarly, the design of family portfolio, including investment varieties, of course, should also depend on lifestyle and family financial goals. As for the concept of maintaining the current living standards, it also depends on the selection arrangement of future lifestyle, such as increasing family members, and the consideration of living locations will have an impact on how much it is.
Family financial advice
In view of the above analysis, we only give some suggestions, reference.
1 Pair of Wang Hao - first thing to do is a more clear consideration for life arrangements for yourself and family. From Wang Hao's current age, there are two things that they are in front of them. If one is whether or not, when is the child, the second is whether to consider changing the occupation. 2. According to people's temperament, it is obvious that Wang Hao is going to have children in the near future, and the advertising industry that has quite good income and has been doing more than ten years, it is clear that it should be a good choice to be a boss.
3. As for whether there should be a problem, we have already mentioned in the analysis of family assets, we do not recommend changing in the short term. On the one hand, because the total cost of family financial assets is too small, on the other hand, due to the uncertainty of Wang Hao family's future income, the expenditure increase and revenue reduction in the future (Wang Hao pregnant children). From the current asset level of Wang Hao Family, the consumption behavior of the change is extravagant.
4. If you don't plan to be a boss, of course, the current cash flow will not change much. This is currently no urgent use in the near future of 300,000 yuan. Of course, these funds should also be some more active arrangements, considering their investment experience and work characteristics, we recommend investing in the way of purchasing open funds. We recommend the combination ratio, monetary market fund: Bond market fund: Stock market fund is 2: 2: 6. The festival of future revenue should also be put into these investment directions in a periodic quantitative manner.
5. As long as you maintain the current life is a very dangerous thing, we just want to think if we still maintain the standard of living ten years ago, it will be clear. Financial goals should be active, just like our attitude towards life should be active. If Wang has a financial goal that has a financial goal of 10 million assets, I will think it is a very good goal.
Family investment advice
Advertisers are undoubtedly the most fashionable, most active group in today's society, and the income is also higher. Wang Hao couple two current family assets are good, eager to invest, buy a car. However, for the particularity of the two people, it is recommended that it is best long-term planning, making a comprehensive consideration.
Vocational planning should be intended
As we all know, the advertisement is a "edible brain" industry, and it is good to create a good idea. In this industry, it is more money to make money, and people's liquidity is large. It is more important that the information update is very fast. It is necessary to constantly self-charging. It works hard, and most of the practitioners are very energetic young family. The couple now advertisers are inconsistent, but the consumption level is also very high, and the parenting plan will be arranged in the future, which will take up great energy, and there is a stable income to ensure the quality of life. The husband and wife are now engaged in high-intensity industries, long-term, not a long time. It is recommended that Wang Hao is best to choose the machine to reposition and plan career, at least to ensure that one party is stable.
Pay attention to the progress of the cosmetic hospital
At present, the housing market has a cooling trend to some extent affect the rent of the house. The management profits of the beauty industry have a large profit, and the threshold of the entrance is low. If you use your own property, you can avoid a lot of money, which is relatively developed. In response to the above analysis, Wang Hao wants to open the beauty salon is a good referending start. But if you can run success, you need to measure a lot of aspects, such as your own business management capabilities, beautician's optional and training, beauty equipment and cosmetics purchase channels, beauty service features, interior decoration design results, advertising and so on. Moreover, there is also a comprehensive factor such as the house, the floor, and real estate properties. In general, the franchise-chain beauty salon is a shortcut, there is a customized standardized business model, the success of the success, the probability is also high, suitable for Wang Hao, the initial capital is not large, less experience Entrepreneur.
Change the new year cost is not high
Of course, if the king is still not intended to start the beauty salon, there is no other new burden, I can't taste it. Because the current Olympics is too bad from safety, And the consumption expenditure of 5,500 yuan per month (including the cost of the car), the husband and wife is fully able to afford. If you change the car, the current Out Tu is probably available to about 30,000, while the license fee is saved, plus other purchase taxes, insurance premiums and other miscellaneous fees, one into one, buy 150,000 yuan In the middle of the vehicle, the net expenditure of the hand is added to an additional increase of about 140,000 yuan. This is the two couples, there is no economic pressure, and there is no need to consider the loan to buy a car. Another point, try to choose the end of the month or in the end of the month, at this time, the salesman should have a certain amount of sales, and there is room for bargaining. China Agricultural Bank Shanghai Branch Financial Center Gu Yun
Insurance investment advice
Wang Hao family's current investment plan mainly has the following aspects from the perspective of insurance:
The total domestic revenue is relatively high, and the income of both husband and wife is average;
Income fluctuations, stable operation, except for poor;
There are many real estate loans, but the repayment is better;
The purchased insurance is concentrated in life insurance, the amount is not high, and it is lacking health and accident insurance;
The lack of the bangs guarantee for pension retirement and future.
Specifically, first of all, in the case of the income and expenditure of the king, the income and expenditure of the two people, the festival of 8,000 yuan per month after payment of the monthly life of the house, and is beyond. However, it is necessary to consider that due to the average income of both husband and wife, it is assumed that one party has reduced income due to health or accident, and the monthly cash flow will have problems. In view of this, the insurance of Wang Hao couple purchases the same amount is correct. This prevents family income, therefore the financial dilemma caused by sharp drop. However, according to the income of the two, the amount of insurance purchases is not enough. The premium of a family is generally more suitable for the total annual income of the family, and the insurance amount is 5-10 times the annual income. For Wang Hao family, it is a year of 18,000 yuan, and the amount of insurance amount of 1.2 million S 200,000.
Second, the income of the two advertising work is large, and the working stability is not very good, so it should be considered at the choice of insurance, and the payment of the insurance income fluctuations should be considered. The algorithms mentioned above, we recommend that life insurance premiums are set at 2,000 yuan a year of 25,000 yuan. In addition, given a relatively rich but unstable cash flow, you can consider the purchase of universal insurance that combines life insurance and investment functions.
Finally, from the perspective of the support, in addition to purchasing ordinary life insurance, it is also possible to consider purchasing a house loan personal insurance for the housing month for this month. The benefit is that the amount of insurance is reduced with the reduction in repayment balance, saving premiums. In terms of health insurance, according to the monthly medical expenses of 200 yuan per month, it is recommended to buy hospitalization and major illness insurance for larger medical expenditures. In addition, considering accidental risks such as driving, with lower premium Accident insurance in purchase insurance is also a good insurance choice.
In terms of pension retirement, Wang Hao couple should consider buying pension insurance in addition to accumulating investment methods such as savings.
