Money Case:
Lee, 28 years old. Stability of the current work, four-month salary deduction of tax and insurance for a gold, accounted for 3,500 yuan, nearly 2,000 bonus each quarter. His monthly rent of 1,200 yuan, the cost of living about 2000 yuan. 3 million in bank deposits, there is little investment. Next year and marry his girlfriend, his parents 50 million, Mr. Lee need to prepare for marriage expenses, and purchase a set. Now see a set of 40 square meters, about 70 million small-size second-hand housing.
Because of marriage, a large wedding costs need to be prepared to buy a house is a major need for large amounts to his current assets and income situation may be more difficult.
Net finance and investment banking division of Sichuan Sheng Wu said, people’s initiative can be divided into sources of revenue income and passive income, financial goals, there are short-term objectives and long-term goals of the points. According to Mr. Li’s situation, its only source of income sources of passive income from work is not enough, it needs to existing deposits, savings pay reasonable investment to increase its active investment sources of income to meet the asset value preservation and rapid purposes.
First, analysis of its financial
: Lee 1 year after the asset position: wage income: 3500 × 12=4.2 million; prize money: 2000 × 4=8000 yuan; bank deposits: 3 million; parents funded: 50 million; income Total: 58 million. Expenditure in: (2000 +1200) × 12=3.84 million; 1 year after the net asset value (excluding investment income of the year): 541,600 yuan.
Demand for Lee’s recent, first purchase a home, according to total 70 million, down four into the calculation, it would take 280,000 yuan in cash; second marriage expenditure, mainly three major areas: the wedding costs, housing renovation costs, household goods purchase cost. Due to geographical differences in this respect, and every couple of weddings, wedding, supplies, etc. not the same as the gap between the demand for larger, generally between 100,000 to 500,000 yuan.
Lee is a typical paycheck to paycheck, spend unplanned month spent, count, although the days were so smart, but once a large expenditure, it can not cope. Should be saving, arrange the hands of capital, steady accumulation of wealth.
Them, a very important idea is to make compulsory savings. Given the current real estate market, although the control policies again and again, real estate prices go up or the whole, therefore, need to buy a house early.
Also part of the funds set aside for investment purposes. One can build a house decoration section and the cost of the wedding the other hand, the expenditure for the family to prepare for the future, the fund is scheduled to vote is a good choice. Quarter award of 2,000 yuan, the proposed approach will vote the Fund to do compulsory savings. 500 yuan per month is scheduled to vote, will vote the better performance of hybrid funds or index funds. 10% of annual income to retire at 60, and 32-years, retirement can get millions of dollars of funds, as pension.
In addition, Mr. Lee to strengthen the control of costs, not how much to spend to much. Without reducing the quality of life at the same time, the premise, as little as possible to spend some unnecessary overhead. To establish the concept of accounting, control of their own and how much.
Purchase a life event, Mr. Lee can be funded in cash in the parents of 28 million, down four-way into a 20-year mortgage to purchase (700,000 × 0.4=28 million). Commitment per month is about 3,300 yuan in housing monthly payments, wage income of two people available and to reduce the rents were paid 1,200 yuan. Proposed to control the monthly debt service amount to 30% of family income is appropriate, than it will affect the quality of life, on the contrary, the capital utilization rate is not high.
Remove the buyers spent nearly 30 million yuan (28 million paying back the principal and taxes, transaction costs, etc.), Mr. Lee also 26 million yuan for the wedding, purchase of furniture, home improvements and investment banking. Lee, 28, is the development of vibrant life, anti-risk ability, taking into account the near future into the marriage hall, the proposed investment to prudence in the investment ratio: 40% for stocks, stock Fund, 50% for bonds, bond funds, bank fixed-income financial products, 10% are for routine emergency funds.
Lee 7 million for the proposed home improvements and additions to household items, furniture, etc.; 5 million for the wedding, recycled gifts from 30,000 to 50,000 yuan, in this calculation for the balance of payments; the remaining 20 million investment ratio can be combined according to the above investment.
related to hot words: young couple married financial buyers
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