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Monthly Income 6500 Families Rely On Funds To Buy Houses

2010/12/21 16:42:00 42

Mr. Li, a native of Nanning, Guangxi, is 33 years old.

10 years ago, Mr. Li graduated from university. He worked as a clerk in a public institution in Nanning.

Unexpectedly, a careless work offended the leadership and was pferred to the unit to be a driver. Fortunately, the establishment was still there.

wages

4000 yuan.

Mrs. Kim is 25 years old and works in a shopping mall with a monthly salary of 2500 yuan.

Due to improper planning and improper financial management and unexpected work accidents, two people are not living in their own homes now, and they live in rented houses with an annual rent of 10 thousand yuan.

Mr. Li's parents now live in a 120 square meter old home, and the market price is about 600 thousand yuan.

Mr. Lee spent about 40 thousand yuan on his annual living expenses and 50 thousand yuan in time deposits. At the beginning of the year, the stock of 130 thousand yuan was currently worth about $110 thousand.

Mr. Li has all kinds of safeguards; Ms. Jin only has no social security insurance, and both parents have health insurance.

Pension

。

Fixed investment target

Mr. Lee, who has been married for three years, wants to have children in three years, while buying a house of 100 square meters when the child is 2 years old.

Fixed investment

Plan

In some three or four line cities in China, family income is only a few thousand yuan, no houses and cars, so young wage earners are everywhere.

In Nanning, where the income level of residents is not high, Mr. Li's situation is quite good.

The plan is as follows:

First, reduce expenditure.

Mr. Li should try to reduce household expenditure and increase household savings ratio.

Because, according to plan, 3 years later, the income of the wife will be greatly reduced, and the total family expenditure will increase significantly after the birth of the child. In another 2 years, the mortgage will increase further.

Apart from housing rent of 10 thousand yuan, it is suggested that Mr. Lee control the expenditure of a year at 25 thousand yuan, and accumulate nearly 130 thousand yuan in 3 years.

In addition, Mr. Li should show himself more often and strive to return to his old job and improve his personal development environment.

Two, adhere to the fund's fixed investment.

Under normal circumstances, the annual average yield of fixed investment reached 10% or so, there is no problem. Mr. Li invested 2500 yuan a month, and accumulated 100 thousand yuan in 3 years.

At the same time, Mr. Li should stick to a sound portfolio to avoid liquidity risk and investment risk.

The existing stock of about 110 thousand yuan should be sold 60% when the stock market gets warmer, and the proceeds from the sale can buy bank fixed income financial products.

Accumulated to a certain extent can be used to pay the down payment, taking into account the child's custody, loans for the best monthly control of about 1500 yuan is more reasonable.

Three, insurance planning.

Because the main source of family income is Mr. Li.

It is suggested that 500 yuan of insurance funds be collected every month, that is, 6000 yuan per year.

The premium should be invested in personal injury insurance, serious illness insurance and regular life insurance, so as to prevent the family's main economic income from being cut off by accident.

In addition, two people can purchase a major illness insurance amount of 200 thousand yuan, with a life insurance of 500 thousand yuan.