Mr. Wang, now 35-year-old to have a stable job, but very limited fixed income though, and in his spare time, she is still doing some business, this part of the income a month can sometimes reach 10 million, less time is 3 million. In addition to five years in the business of fixed wages, the average monthly business revenue from $ 50,000. Now the couple have one child, Mr. Wang studied under a no any financial product. Would like to invite experts to develop an appropriate set of family financial management programs.
[Vein inquiry]
Wang couples the high-income families, household debt is almost zero, the settlement rate is very high, strong solvency, financial condition is better . But the family’s asset structure is not reasonable, without any capital investment. The couple have a child, from now on, you need to prepare for their children’s future education payments. Wang couple’s insurance assets ratio is too low. Mr. Wang, the couple is now preparing for retirement planning should.
[remedy]
investment planning: the couple does not have any liabilities as Wang, but did not make any investment, it is proposed that Mr. Wang out of 10 million -15 million on a number of high-quality stock investment, in order to win higher returns. Mr. Wang also suggested may be appropriate to invest in real estate. Meanwhile, as Mr. Wang’s business is brought to establish unlimited liability risks can be isolated part of the property the way the trust has been a large degree of relief, Mr. Wang can come up with $ 300,000 trust fund as a source of demand deposits.
education programs: the Wang couple, the present and future children born child’s education is a big sum of expenditure, about 160 million people, this part of the expenses, can be planning in two ways. Education for their children may be first pension insurance, mainly for children’s future college expenses. Second, the savings can come from the existing 500,000 yuan moderate risk balanced fund portfolio is expected to yield about 8%.
Insurance Planning: Wang couple of insurance asset ratio is too low, you can consider getting life insurance, health insurance and accident insurance; also have health insurance for children insurance and accident insurance.
pension plan: since the two families are also good, so can deposit a portion of the retirement pension as a start-up capital. Lack of annual fixed investment ways to extract savings from years. This part of the funds can be used to moderate investment risk balanced fund, is also expected to yield about 8%.
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