A monthly income of 10000 could be considered only social security is not enough to focus investmen

Category: Insurance tips Release Date: 2006-08-01

Luk household balance sheet, the balance of household assets household debt balance of bank deposits 45000 + HK ï½?000 Mortgage 300000
Stock 0 consumer loans 0
Fund 0 credit card debts 0
Property 400000 Other 0
Total assets 900,000 Liabilities Total 300000
Mr Luk a 30-year-old, is an IT company's project manager, a monthly salary of around 7,000 yuan. His wife, 29 years old, an advertising company, a monthly salary of about 3,000 yuan, are double-income end of the year, the two units have a social security and health insurance, and two have a four-year-old child.

Currently Mr Luk family assets include 4.5 million bank account and the 5000 Hong Kong dollars. Mortgage of commercial houses a 400,000 yuan, 2,800 yuan per month repayment. Their parents have social security, no need to take care of both. Luk is using his spare time to study stocks, there is a car program.

Luk would like to know, to their families and property, should pay attention to what issues in the financial management? Areas in which to invest?

Financial Planners CAO Guang <br> financial analysis of the basic conditions <br> Luk has a warm family of three, a more stable income of husband and wife, recently bought a mortgage in the form of a set of commercial housing. Is the thirties of them are old and under on a small stage, the good news is that both parents have a social security, at this stage do not need to take care of other people. Children 4 years old this year, two years, we should go to school, so from now on should plan to accumulate some of their funding for education.

Family Protection Unit as husband and wife have the social security and health insurance, so the risk of both diseases in general have a certain capacity to respond at the same time a certain extent, solve the issue of post-retirement pension. But the need to note: The unit of the general staff on the various social insurance limits are not very high, it is recommended on the basis of social insurance and then add some commercial insurance as a necessary complement to social insurance. In addition, the 4-year-olds are frail young stage, we should also buy some of its medical and accident insurance.

Family Investment Luk 10,000 yuan monthly income of couples belonging to middle-income levels. Because the burden of 2,800 yuan per month housing mortgage loans, coupled with daily expenses, making available for investment part of the reduced accordingly. Proposed cut costs, try to compress daily expenses. 45 thousand yuan and the 5000 Hong Kong dollars savings yield low and should be turned to other investment products. By the end of double-income could be considered to focus investment insurance.

Weapon Money Luk and Lu Taitai <br> daily investment 10,000 yuan monthly income Total monthly mortgage required to pay 2,800 yuan, everyday spending at less than 3,000 yuan, and then took out 1,000 yuan as their children's education funds and insurance costs, such savings on the amount of 3200 yuan and annual savings of about 40,000 yuan.

Because the monthly savings is relatively stable, so it can be taken at fixed times of the investment, that is over 3,200 yuan a month to buy funds and stocks. This is in fact using the average cost method investments, you can minimize the risk of volatility, but also worry a great investment. After three years he has done can be about 120 thousand yuan as funds to buy a car, round his car dream.

Capital appreciation Luk existing 45,000 yuan renminbi deposits for demand deposits, the proposed approach to three-month time deposits 15,000 yuan retained as a contingency reserve, all of the remaining 30,000 yuan for investment in bonds and fund market, in accordance with 1:1 : 1 ratio were to invest in bonds or money funds, balanced funds, equity funds. With the form of financial experts, Small is Big. It is also, more investment in labor-saving method of worry. Luk There are 5000 Hong Kong dollars in demand deposits, banks can participate in the foreign exchange financial services offered to yield about 3% -4%, far higher than deposit rates.

Luk and his wife, family security are required to purchase a number of commercial insurance as a supplement. Available by the end of double-income part of the premiums paid. Primarily for the purchase of life insurance, big risky, accidental injury insurance and pension insurance. As Lu Taitai income is only 3,000 yuan a month, just enough to pay for housing mortgage loans, not too many left. So Mr Luk case of an accident, her income would be insufficient to pay the normal household expenses, so it should increase the intensity of the insured against Mr Lok.