financial planners recommend, discard the traditional ideas, choose to rent and be a simple wedding to ride out the storm
men and when the marriage, a girl, once married.
80 girls after the marriage, together with the loved one into the wedding hall, but do not drop prices and expensive wedding costs, for this to work soon, the young lovers with limited savings of a financial problem. Current financial planner wealth magazine invited her boyfriend for small to achieve in 2009 the United States and make financial planning a dream wedding! It also helped Ms. Gao to marry earlier this year and prepare for next year married Miss Qin financial planning, in order to better protect the family.
financial advisor about to be married: financial planner Qin Xiaodong
tenants tide over temporary marriage
Case Data:
small U.S. enterprises Clerk , her boyfriend worked in a media, the two full social benefits.
little the United States, after-tax monthly income of 3,000 yuan, the annual commission, bonus together, the annual income of 60,000 yuan; boyfriend after-tax monthly income of 4,000 yuan . Small deposits of more than 10,000 yuan of existing U.S., 5 million equity investment, market value has shrunk more than half; boyfriend of existing deposits of 5 million.
financial goals: plan of marriage this year to achieve
financial advice: cut expenses to save regularly
Although Mei and her boyfriend are a number of years, but due to lack of planning, Now they do not have much savings. Mei and her boyfriend can be adjusted monthly consumption and reduced by a big margin, it is recommended two to develop the habit of account to control the consumption, the reduction in monthly spending about 30% of monthly income, that is 2,000 yuan. The remaining idle funds to the bank each month to cover the cost of paying back the principal and marriage.
good career planning
For individuals, the rational career planning is essential, it helps to finance himself better and faster growth in personal wealth, and access to personal identity in society. Mel and her boyfriend were proposed to establish a long-term career planning, and continuously improve their professional knowledge and operational capacity, and expanding personal connections, provide staff and pay for future reserves sufficient chips.
positions in stocks for the long-term investments
the 5 million small U.S. stocks, the market value of less than 50%. Although the Chinese Year of the Ox stock market made a good start, but the small U.S. stocks in the short time solution sets and the difficulty of profit is still very large. Long-term investment value of China’s stock market is not in doubt, it is recommended to continue to hold the hands of a small U.S. stocks; or investment based on my experience and current market conditions and consult financial planner to adjust the stock variety positions in order to gain an early release from their lives and .
might consider renting wedding
small this year, the United States and her boyfriend plan to marry in the traditional concept of people, the marriage must be to buy a house. But, the United States and the boyfriend is now a small savings and income, to buy a house this year, and decoration of marriage, is basically an impossible task. If you must buy a house to get married, then, suggests access to their parents, to pay the down payment and renovation costs of paying back the principal, two of the provident fund and monthly wages for repayment.
down, but in 2009 the possibility of still higher prices, and buy a house for two of the financial pressure, so also consider renting a house for the first marriage of the temporary transition (which a practice in the West is more common among young people), the savings to cover the wedding expenses. Improved financial position to be two, prices fell to a certain level and then consider buying a new house.
of reckoning into the bridal chamber
small beauty and her boyfriend’s current financial situation, mid-range hotel in Dalian acknowledge the difficulty of the wedding is large, may seek financial help or both parents married to the banks for the cost of loans, but loans to buy a house and they must increase the pressure on future life. Mel and her boyfriend proposed, in consultation with the views of both parents, the wedding ceremony be a simple, cost savings or to pay back the principal for the honeymoon.
ready to get married
Financial Advisor: Financial Planner equation
optimize the assets to do business and stronger
case information
small Qin, 25 years old, ready to get married within a year, currently operates a yoga studio, without any insurance.
Qin small investment in paper gold since 2008, is stuck, but will soon be defined. Did not have a fund, currently has 2 million hands of the stock. Yoga Shop 30000 -5 million in annual revenue right, her boyfriend of 10 million annual income.
expenditure: the total expenditure is estimated 4 million
Savings: The annual savings of 10 million
Asset Allocation: Asset Only the stock more than 20,000 , paper gold than 4000 yuan, up for redemption in a few days up to buy funds, cash has a 5,000 yuan, 1 million cash-flow business. Qin ready to buy a small first marriage with a house of 50 square meters, and so have a child and back to the house, hoping to buy a house within a year.
assuming the house is priced at 6,000 yuan/square meter, szsdwmr want to buy a 50 square meters of the house, then house price is 30 yuan, down payment 30% of the payment would need to prepare for the first 90,000. Szsdwmr want to buy a house within a year, and now Miss Qin and her boyfriend 10 million savings per year, plus 29,000 yuan worth of funds available hands, this wish is not difficult to achieve.
assume the remaining 21 million of commercial loans in 10 years, according to the current lending rate, the monthly repayment of about 2,500 yuan, or about two average monthly income of 22%, or can afford .
So now the pressure is not able to pay should not be a house down payment, but in case of bad investment, but when the asset has shrunk to afford housing.
stock operation unless you are strong, but I believe now is a very favorable opportunity to invest in stocks, or you spend the money in the stock not too much.
paper gold is not a low-risk, easy to operate and do not feel good, early withdraw as well. Some want to invest, or buy the fund is more suitable for some.
now mention of financial management, people think of investment, the thought of investing, someone will suggest you buy stocks and funds, to buy insurance. In fact, the fundamental purpose of financial management is to make a lasting and stable growth of the family property, and finally one day you go from work to liberate. Stocks, funds, venture capital paper gold is not only that they have a risk investment, but also know that you pay a price in order to obtain benefits, that price includes take time, effort, and psychological suffering to bear, and even affect your normal work and life.
If you already have one thing that you like and are good at, but also can give you long-term stable income, you keep on top spend time, energy and investment funds, it has continued to develop into a The management, accounting for a major part of your life, then it is your best investment.
a fact as evidence in a number of financial clients, significantly improved financial position does not depend on venture capital, but through the optimization of assets about, their own efforts at industrial, business.
If szsdwmr are doing is a nine to five job, but also a different matter. Szsdwmr own yoga studio business, before making the proposal.
have been married
financial advisor: financial planner Zhang Weidong
by-step loan sound investment
Case Data:
Housing
Mr. Ms. Gao and her husband got married early this year, life is more straitened circumstances.
married Mr. Qian Shifang to find colleagues by, the house has just got enough down payment, loan fund of 30 million, is now 2,500 yuan monthly repayment. Household appliances bought in phases, a year to pay off, 2,100 yuan a month repayment, currently only has a 1 month.
two had a total monthly wage of 6,000 yuan. Mr. housing provident fund accounts present there is also balance, within 2 years of paying the money in the hands of the mortgage can not directly deducted from the fund account on the line. Monthly total of 1,500 yuan to both parents alimony.
the pressure so much so that Ms. Gao breath, Ms. Gao would like to consult financial planner, in the case of a bad economic environment, how can a better way some money in the short term memory, reduce the burden on yourself more.
family financial analysis
1. Balance of payments surplus is low. Ms. Gao’s home appliances are bought in phases (one year), 2,100 yuan every month to the bank every month to 1,500 yuan alimony both parents, assuming that Ms. Gao’s family life, spending 1,000 yuan a month, the monthly savings only 1,400 yuan, so the first step in financial management is to save money, that is compressed as much as possible monthly expenditures, monthly expenditure control for 800 yuan, so that savings can have 1,600 yuan a month, and be prepared 3 to 6 months of the emergency reserve fund families.
2. Family protection is not enough. Ms. Gao is sound now need to consider health care, pension insurance and other support; a family of risk prevention system.
3. Early planning, a rainy day. From now on planning children’s education fund their pensions, their children will be easy to solve the cost of college, and the cost of their pension when they retire.
1. A family emergency fund, according to the standard 1,000 yuan per month for 6 months ready for the reserve fund, which is 6,000 yuan for imprest, can be kept on a regular basis for 3 months.
2. Household income and expenditure planning. Ms. Gao’s home appliances are bought in phases within a year to pay off. Second year of the balance of 3700 yuan per month can be used for investment in the third year 2,500 yuan per month mortgage payment, so the savings are 1,200 yuan a month. This loan, life Buzhi Yu in a bind.
3. Monthly scheduled to vote by way of preparing their children’s education funds and pensions. In accordance with the annual inflation rate of 4%, 9% annual return on investment calculation, the cost of college kids around the age of 18 need more than 10 million, so now 330 yuan a month, is scheduled to vote. Ms. Gao planned retirement at the age of 55, assuming that the future life of more than 25 years, the established social security net of pensions, retirement spending by 80% per annum, to be prepared when the general retirement of more than 30 million pension, so now scheduled to vote a month 300. Due to the current stock market experienced a sharp adjustment in the current point to a stable mixed fund investment, adhere to long-term investment in the future there will be more lucrative returns.
4. As Ms. Gao, a mortgage liabilities of existing house, the family room, Mr. main source of income, the couple proposed to increase term and generally 10% of annual income to buy insurance, can be choose to purchase medical health insurance, because when faced with high medical expenses not fully deal with social security. Should buy some big dangerous and accident insurance to protect the happy life, to enhance the family as a whole to resist risks.
5. Sound investment: Ms. Gao in the second year you can accumulate 4 million deposit, may be appropriate to choose to invest in gold, bonds and other low-risk financial variety, access to both the high interest rates than bank deposits also easily realizable to ensure the stability of the financial situation of the family.
6. To the end of the year if some of the single capital accumulation can choose a number of risk tolerance for their own financial products, such as the stability of banks or aggressive type of financial product, to accelerate the accumulation of assets.
financial planner’s comments: the purpose of life, not just the pursuit of wealth, is more important is the pursuit of happiness, because success may be only one aspect of happiness, and each person’s understanding of happiness, not the same, in addition to being another is a human feeling. Regardless of the cause of the family happy, or brilliant, is a happy expression. Determine a person’s financial success is not the most important technical and financial means but the financial state of mind. Good financial management requires patience and perseverance, but the most important is to have a sense of balance, any hope of quick profit overnight riches are not desirable.
Editor: Little Canadarelated to hot words: New Deal mortgage home buyers buy a house
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