Mr. Zhang, 27, the new Shanghai, a well-known IT enterprise project manager, after-tax monthly salary of 9,000 yuan. Despite the graduation has been three years, but Mr. Zhang is still living every day life of two first-line: take the subway to work every day, three meals a day in the cafeteria solution, provides housing and transportation subsidies, do not pay the rent.
Zhang said, he is an “economical man.” Single, he currently work as the focus of the weekend generally do not go out, did not entertainment, it can be said is “do not earn to spend.” He currently has she saved 400,000 yuan deposits, enough to pay a Shanghai housing down payment.
Mr. Zhang said he was busy working day, no time to make a girlfriend. With increasing age, he began to feel a loss, is not the first mortgage a house, or buy some for financial products?
program used 20% of revenue in January the Fund will vote
Zhejiang Bank Shanghai Branch Retail Banking, financial planner, Liu Yin
[Analysis]
from Mr. Zhang, the current situation, we must first solve a broad sense of personal financial issues, namely how to work on their own, marriage, life (including food, clothing, shelter, transportation) for long-term plans, to meet the needs of different stages of life, and ultimately the financial freedom, autonomy and ease.
Financial proposals]
Mr. Chang first proposed insurance plan to buy a whole life insurance, annual premium expenses in 10 percent of annual revenue, about $ 10,000; the same time additional or comprehensive personal accident insurance purchased separately and risk of major diseases. Whole Life Insurance provides insurance protection only, but also contains the savings component, and usually form a balanced rate rather than the natural rate of pay premiums, Mr. Zhang is now more cost effective to buy.
purchase plan as a general career planning, combined with the status quo, and Shanghai Zhang purchase and rental of the situation, suggested Zhang purchase. The following factors should be considered before purchase: current savings, future marriage plans, location, room type, medium-term exchange of building plans. Our proposal is gradual, not to step, first-time buyers to consider the subway along the small Ershiyiting, total does not exceed $ 1 million is appropriate.
investment planning proposals Zhang first bank to do a risk assessment and personal planning communication, confirm their risk appetite and financial goals.
According to Mr. Zhang, the available information, assuming that Mr. Zhang is a more active investor, can make the following configuration: First, prepare the purchase and renovation of down payment money 25 million; the remaining $ 150,000 in , 9 million to buy stock funds, if the long-held, high-yielding; 50,000 yuan to buy bond funds or bank guaranteed floating income wealth management products, income is relatively stable; 10,000 yuan to buy money market funds or short-term bank financial products , highly liquid, the rainy day. Bonds and money market funds with less risk, more stable earnings, short-term marriage as one of the budget reserve; equity funds as a car, children, wards reserve one of the down payment and other medium-term objectives.
level of income and expenditure according to Mr. Zhang, mortgage 800,000/30 years, accounting for 40% for the month to 45%, 10% of insurance costs is recommended to stay out of the monthly income from 20% for fund investment, the proposed selection equity funds; rest and housing allowance proposes to set aside a small amount of daily cash and purchase money market funds (usually T +1 can be redeemed into cash); can bid for credit card, cash payment delay time, with to increase the daily activities of consumer spending, improve living standards, to find the other half to make early plans.
program two down the remaining 80% shall be used for investment
Bank of Ningbo, financial planner, wealth management center technology Hu Xun
[Analysis]
Mr. Zhang in his personal career in the exploration phase transition to the build-up phase. With increasing age, to consider a girlfriend and set up their own family. Mr. Zhang’s current monthly income of 9,000 yuan, the basic monthly expenses do not absolutely have the ability to pay mortgage payments, you can consider buying a house, on the one hand to a family in Shanghai, the other is to increase the value of the assets. Mr. Zhang as the deposits of all the 400,000 yuan, is a negative financial management, should make a financial plan, get a better return.
Financial proposals]
with Mr. Zhang’s current economic situation and living conditions, especially following the development of financial planning:
purchase plan pay 30 million Mortgage 700,000 to buy a house. Under the current 7% discount rate, 20-year mortgage, the monthly principal and interest equal repayment of 4300 yuan, Mr Cheung did not affect the basic quality of life.
Mr. Zhang, now or in the insurance plan single case of accidents need to return only the parents. It is recommended to buy a term life insurance, the premiums can be very low within a certain period to obtain greater insurance coverage. Insured pension subject to adequate parents, the proposed annual payment of 5,000 yuan.
investment plan from Mr. Zhang’s age, education, income and other factors, a higher risk tolerance. According to age and to analyze the proportion of investment in shares, Mr. Zhang can be configured to 50% of risk assets. Recommended buy the remaining 10 million to buy 50,000 yuan equity funds; 30,000 yuan to buy sound financial products, the general annual yield of 3.9%, far more than time deposits; earmarked $ 200 million deposit for petty cash, To prepare such a girlfriend.
remove the monthly mortgage payments and the premium expense, Mr. Zhang can save about 4,500 yuan a month, it is recommended to buy their own three fund investment, for each $ 1,000. 1 is scheduled to vote for the pension (fund investment is a good choice), 1 set to vote for the education of their children, another 1 will vote for marriage, to do with the way the monthly accumulation of reserves.
Editor: Little Canadarelated hot words: get married buy a house the application of economic consumption
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