|
|||||||||||||||
|
||||||||||||||||||
Data:2009-12-12 2:34
Ms. Han Q: my husband and I are ordinary contract workers, the two combined monthly income of 5,000 yuan, both have social security, Medicare, the existing deposits 75,000 yuan, a variety of fund total of 25,000 Yuan, no housing. There is a little boy 10 months. My husband and I have purchased critical-illness insurance, the annual total of 2,500 yuan to pay for his daughter purchased accident insurance, the annual pay 150 yuan, the average daily expenditure of 2,500 yuan, plans to buy an education insurance for his daughter, five years later bought a about 55 square meters of second-hand floor, at this stage I can only realize how to finance a dream home? Whether the adjustments to the proportion of deposits and funds? Also need to append some other aspects of the insurance?
Money Program
Expert recommendations: the need to increase ability to save the follow-up
1. Husband and wife as a general contractor, working not at all stable, there is unemployment or wage income plummeted risk.
2. Daughter of 10 months, life, medical and other expenses will be gradually increased, but the family situation as follows: household expenditure / household income = 2500/5000 = 0.5, which means living expenses can be properly controlled, or they will reduce the ability to save the follow-up of families .
3. Bank deposits 75,000 yuan, accounting for 73%%; Fund, 25,000 Yuan, accounting for 24%%; Insurance 2650 yuan, accounting for 3%%. Benefits: liquidity strong, and can guarantee a temporary home for the large spending, while insurance should focus on major diseases and children's accident insurance, the more secure.
Financial advice
1. To reduce household expenses, enhance the follow-up ability to save. To reduce costs, spending a few days ago first family / household income, controlling 50% ~ 60%, and then gradually reduce to 40% ~ 50% in order to guarantee new bank deposits each year 20,000 to 25,000 yuan, a five-year terms, can be New bank deposits 100,000 ~ 125,000 yuan.
2. Fund investment concentration, suggested that part of the deposit is used to subscribe for the new fund. And look at their family situation, it is best not to buy a hosting fee, management fee funds.
3. Five years later the use of 80,000 down payment on the delivery of second-hand floor, handle the mortgage, age 10 years, the loan funds of about 120,000 ~ 150,000 yuan, is divided into three phases: the first installment of a phase accounted for is high and the third phase installment accounted for more than low, young daughter, education expenses also increased the amount of time with less, when the older daughter's education expenses is also a large amount of time to reduce.
