Family Financial Management: A Couple With A Monthly Balance Of 8000 Yuan Will Vote For Mandatory Savings Through The Fund.

Miss sun, who works in Shanghai, has just worked for 25 years, and has been working for 3 years. Her monthly salary after tax is 4500 yuan.

Although the work is stable, Miss Sun is not satisfied with the current situation.

At present, Miss Sun's biggest expenditure is the rent, which is about 1500 yuan per month.

She plans to buy a house to get married in two or three years, but the problem that troubles her now is that she should first buy a small apartment to live on her own, and then simply decorate it after marriage, or wait for another one or two years, then save some money to buy a bigger house for marriage.

She wants to know what kind of investment management way is suitable for the 80's who work like them.

Scenario 1:

Seeking a high return on investment

[financial analysis]

According to miss sun's undergraduate education and 3 years of work experience, the annual salary of the institution after tax is 67 thousand and 500 yuan, which should be regarded as a relatively good salary level.

In the case of economic depression and employment pressure, it is not wise to give up the existing stable income.

Miss sun is pursuing a better career through learning foreign languages. This is a positive and feasible way, but don't worry about success.

Although miss sun is a stable worker, after deducting rent, daily expenses and learning foreign language expenses, the monthly balance may be only 1000 yuan up and down; her boyfriend's monthly income is 8000 yuan, but he also has to pay the rent and daily expenses.

It is suggested that the two sides should confirm their marriage relationship as soon as possible so as to save their rent and other living expenses and speed up the accumulation of wealth.

[financial advice]

In the housing section, Miss Sun and her boyfriend have only about 100 thousand yuan in savings. At present, they can purchase up to 500 thousand yuan small apartment at most.

With a loan of 400 thousand yuan, a period of 30 years and an annual interest rate of 4.158%, the monthly supply will be about 1950 yuan.

At present, the price of housing has declined compared with the peak time. Although there has been a rebound in recent years, it has not really recovered. It is neither economic nor realistic to buy small apartments in advance.

Miss sun and her boyfriend have a monthly income of 12 thousand and 500 yuan. According to the savings rate of 60%, they can accumulate 7500 yuan a month and save 280 thousand yuan in two years.

If this is the first payment, even if the tax, decoration and house price changes are not considered, a house with a total price of 1 million 400 thousand and an area of 90 square meters will be overlooked in Shanghai. Therefore, only by getting better work and salary, or seeking a high return rate of investment and financial management can we achieve the goal of buying houses within two or three years.

Because the system risk of China's capital market is still high, we must participate moderately in order to get a higher return on portfolio returns.

It is suggested that miss sun first purchase the ETF index fund with the fixed investment method, then consider taking out some savings deposits, and intervene in stocks or short price earnings, short line operation and midline investment when the A shares are substantially adjusted or the upward trend is clear.

At the same time, in the absence of a clear recovery in the global economy (with reference to the interest rate level), savings deposits should remain at least 40% of current assets.

In the insurance section, Miss Sun and her boyfriend have a higher savings rate, lack of investment income, and no insurance coverage for medical and accidental injuries, which need to be made up as soon as possible.

It is suggested that we should purchase insurance premiums such as accident insurance and regular life insurance in advance. When the economic base is stable, we should supplement insurance for major diseases and hospitalization.

Option two:

Mandatory savings through the fund

[financial analysis]

Miss sun and her boyfriend Xiao Li earn 12 thousand and 500 yuan a month, spending 4500 yuan, and the two sides have about 100 thousand yuan in bank deposits (see table).

For Miss Sun, she and Xiaoli, the core goal of financial management in these two or three years is the first payment of the marriage room.

If they maintain their current income status, they can save about 200 thousand of the reserves within two years according to the monthly balance of 8000 yuan.

[financial advice]

The question that now puzzles miss sun is whether to continue to rent or to buy a house first, and when to buy a house.

To solve this problem, we need to consider two main factors: first, whether Miss Sun and Mr. Li have enough housing funds; two, we must arrange with the marriage planning.

The more appropriate option is to continue renting for 1 years or so until the two sides formally enter the marriage plan.

According to the current minimum down payment policy of 2 of the first suite, it is a suitable choice for the first home purchase policy, which is located at the inner and outer rings, with a total area of not more than 90 square meters and a total price of less than 1 million.

If the first payment is controlled at around 200 thousand yuan, the combined loan will need about 800 thousand yuan to buy a house.

Assuming that the provident fund and commercial loans account for half of the total, and mortgage loans for 30 years in the form of equal principal and interest, the monthly repayment amount is less than 4000 yuan, accounting for 1/3 of the monthly income, which is an acceptable range.

If you want to buy a house in two or three years, two people must have a steady source of income.

Once miss sun chooses to retire to learn foreign languages, the total income of the two people will drop by 3 to 4, which means that the purchase plan is likely to run aground.

At the same time, due to the global financial crisis, the current employment situation is not optimistic. Miss sun should consider that after resigning, she will face not only the problem of income reduction, but also the pressure of re employment.

Therefore, for Miss Sun, who is faced with the housing plan and marriage events, stability should become the focus of her current work life.

As the "80's" Miss Sun, the investment plan is based on the acquisition of marriage room for marriage. In daily life, we can appropriately control consumption, develop the habit of bookkeeping, and make mandatory savings through the fund's fixed investment, so as to accumulate funds for two years after buying a house.

The 100 thousand yuan deposit mentioned in the case suggests that the financial products that invest more than 3% of the annual income after the expiration date will maximize the investment income under the premise of ensuring the safety of funds.