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Data:2009-12-12 2:34
Zhou Jie children educated youth and parents to stay in Yunnan, secondary schools in Shanghai, grandparents, family room, after graduating from college a person in the "origin" Shanghai working hard. Their current monthly income of 6,000 yuan, housing rented with friends, and she of the how to manage money?
Ms Chow is in Shanghai this month's hero in the many OFFICE LADY, a member of school after graduating from a joint venture company engaged in administrative work. Currently, her monthly income of 4,000 yuan. In addition, she usually has to do some part-time translation work, and earn less, there are about 2,000 yuan, the total income of 6,000 yuan each month.
Children educated youth alone Liuhu
Ms. Zhou's mother was earlier in border areas to support the building of Shanghai educated youth still remain in Yunnan. Study in Shanghai during the Zhou Jie, and grandparents all live, work and college roommate after she rented a house together and no longer trouble grandparents. To this end, her monthly rent need for spending 700. With about 2,000 yuan a month of basic living expenses, her monthly balance of 3,300 yuan. In addition, Zhou Jie end where there will be 3,400 yuan each year a "red envelope." End of the year for the purchase of some stocking up and seeing friends and family will spend over 2,000 yuan. In addition, Miss Zhou mother bought a 10-million health insurance, so she needs to spend 3,000 yuan per year in insurance costs. The company's year-end bonus is not enough to pay the costs of the two pens, for which she will be the usual end of the year but also savings to pay a two thousand dollars to use it.
Work for a year and a half down, Miss Zhou is currently in the bank already has 5,500 yuan and 30,000 yuan of demand deposits, time deposits.
Plan for the future desire to invest in
Zhou Jie has had a stable boyfriend, the two plan to receive a marriage certificate after a year or two. Looking back, like married life away from the event are too far away. And many young people, like Zhou Jie also felt the pressure from the future life.
In addition, grandparents although social insurance, but also other relatives could be maintenance, but Zhou Jie is still hope that their will now be able to accumulate some more so in the future have the ability to grandparents have to repay the upbringing of the TU.
People living in cities like Shanghai, the Zhou Jie feel that their monthly income and can not be said to be particularly high. But also because working time is not long, she is not a lot of bank deposits. Taking into account the future themselves, children and parents need a lot of spending, Ms Chow is hoping to invest money in the hands of few, to achieve better returns. Want experts to tell her she suggested a few suitable investment products such a situation or direction.
Whether the switch to keep the central bank raising interest rates
The central bank raising interest rates on bank deposit of the people all the doubts also came. Is to demand deposits into time deposits to raise interest rates? Time deposits or will be continued due to the enjoyment of keeping interest rates at the new interest rates? Or whether the original investment in the poor return on the funds elsewhere, the withdrawal of deposit to the bank to get a more stable bank interest income? She would like to ask the experts: in the interest rates have been kept before the two year time deposits should be banked in order to enjoy a higher current profits? Or do other arrangements appropriate?
Experts suggest that domestic investment advice
From the financial point of view, the general to the typical financial life cycle is divided into six phases, namely the single phase before marriage, marriage without children stage, the pre-independence phase of child marriage, child marriage post-independence phase, the two life stages after retirement and post-retirement single phase, at different stages because of income, expenditure and anticipated income and expenditure of the different financial needs are not the same focus. Have in common is a good financial plan and to carefully implemented, will be able to improve the quality of life, the early realization of financial freedom.
Zhou Jie at marriage for single phase, which has the following features. First, most people at this stage is just set foot on the community, income is not high, the stock of assets, not much, but compared with their peers, Zhou Jie's income is relatively high; Second, in the near future, face a relatively large expenditures, such as marriage, buy a house, have children and so on; three in terms of personal life, this stage is the key to personal development phase, the burden of this stage is small, good health, if they can focus on to achieve anything in their careers , will lay a better basis for the future.
Financial management, the focus of this stage is to do a good job of planning and develop the good habit of saving, investment, tax avoidance, pensions and children's education expenses and so on in the back seat.
Zhou Jie first thing to do is to find a professional financial planner, according to individual needs and current situation to be a more detailed financial planning, if possible, along with her boyfriend as a whole to consider the future living arrangements. Followed by a careful analysis of personal spending, see if there is room for further compression in the daily hygiene, the focus on conservation, to develop frugal habits. Third, give serious consideration to individual career planning, by learning the knowledge and personal skills further improved.
Investment, due to a ~ 2 years of marriage, buy a house expenditure, we must use existing savings, investments to a conservative investment. In the current era of negative interest rates, bank deposits are not the ideal mode of investment for investment in the conservative varieties, as well as short-term debt (as held to maturity-based), currency funds and short-term trusts can be considered. Comprehensive security, liquidity and convenience considerations, it is recommended 3 months Zhou Jie leave enough petty cash, the remaining funds have two options, one is to invest in money funds; the other is that if Ms Chow would like to learn through practical investment operations funding, it is recommended not to exceed 20% of the part of the investment in equity funds or direct investment Zuogu Piao, and the rest invested in money funds.
Experts suggest that home insurance proposals
Under normal circumstances, the insurance experts suggest that people come up with annual income of about 10% to buy protection. However, given the problems faced by Miss Zhou, and we hope she can according to their income and asset situation, step by step to advance their own protection scheme, and ultimately provide comprehensive protection. To this end, we propose the following recommendations.
Accident bear the brunt of
In view of Miss Zhou's economic situation, we recommend starting with the amount of high insurance premiums accident insurance is relatively inexpensive to start. This type of insurance can cover not only the young people involved in outdoor activities due to frequent accidents that may be encountered, can provide a variety of health care protection. With allies, a comprehensive personal accident injury insurance, for example, in the main accident insurance contract, usually attach medical compensation for accidental injuries, daily hospital benefit, the daily intensive care payments, hospitalization and surgical expenses the cost of compensation compensation.
Diseases are a little time to consider life insurance
Miss Zhou is still in a "one person fed the whole family hungry" state, but with the favorite boyfriend, a family is a matter of time. Once married, Miss Zhou's life, facing major changes, and not merely the maintenance responsibility of parents, honor grandparents, but also to assume the role of mother, wife, and even. Under normal circumstances, people in the planning of the insurance plan, to be with their own responsibilities complement each other. Since this type of insurance policyholders are provided 2-3 kinds of payment methods, so that they will be able to choose their own economic situation. Miss Zhou such as young people can choose a longer payment period means, such as the payment to 59 years old, so that average annual expenditure on premiums does not become too heavy a burden.
And increase revenue multi-Money
Miss Zhou is currently most in need of is to make their limited funds to secure a steady value, home ownership settle down to prepare for the future. Now a number of financial channels, but, like Miss Zhou that both people who work there part-time, usually not easy to make time for professionals concerned about their investments, so it is likely to miss a good investment opportunities. Such insurance can be a professional risk management experts to conduct an "expert financial management." Some life insurance this year, the Division will be able to "downsizing" after sales through banking channels in order to sharpen its financial functions. As the universal life insurance at the end of both revenue and earnings changes with the insurance company will also continue to invest in individual accounts to adjust interest rates, changes in interest rates to policyholders to avoid losses. We recommend that Miss Zhou considering their own financial plan, we also wish to consider a portion of the funds through the insurance of such products, a professional insurance company assets for their own care. Overall, in fiscal management to achieve "Jiaotusanku" can effectively prevent a variety of policy and market impact.
