Financial Planning: Multi Suite, Quasi Husband And Wife, Segmented Financial Management To Ensure Life.

At the age of 29, Mr. Jiang worked in a public institution. Miss Chen, a fiancee, worked in a large state-owned enterprise. Both sides worked steadily, with basic social security and no commercial insurance. Miss Chen bought a bachelor's apartment in 2007 and has no loan. And Mr. Jiang was in 2009. Second-tier cities The purchase of a single apartment for investment, at present, it needs to repay about 1100 yuan a month (it still needs another 18 years).

Mr. Jiang and Miss Chen plan to get married next year and have children in 2013. Two people borrowed at the beginning of last year to purchase a three bedroom apartment on the outskirts of the city. At present, they need to repay 6500 yuan each month (19 years later). Besides, they still owe 100 thousand yuan in foreign debts, and they plan to pay off in 3 years. At present, two people only have 10 thousand yuan deposits, no car purchase plan.

　　 Fund analysis:

The current inflation rate is 5.4%. According to this figure, 20 years later, the gap needed for children to study in the United States is about 800 thousand yuan. After 30 years, the pension gap of two people is as high as 5 million yuan.

Over two of the assets of the 95% people are real estate, and the proportion of financial investment is obviously insufficient. There is no commercial insurance. The current medical insurance can only cover about 60% of the medical expenses, and commercial insurance is needed. {page_break}

　 Financial management objectives

1. save enough to send your children to college tuition in the United States.

2. prepare adequate pension for retirement.

Financial advice:

The status quo: Mr. Jiang and Miss Chen now have two small houses, one is not lending, another is rent and loans are flat, self-sufficient, and no negative cash flow has been generated.

Risk: from the perspective of the real estate situation, the possibility that house prices will drop substantially in the near future is not too large. Therefore, these two properties can be retained, which will help to achieve the goal of financial management.

Suggestion: on this basis, the allocation of financial assets can be increased to achieve the goal of pension and education funds.

　　 Three periods

Financial management objectives

The goal of family formation is accomplished:

A. paid off 100 thousand yuan debt.

B. is prepared to spend 3 months in family emergency spending.

C. configuring two people's serious illness and life insurance.

Family growth goals are completed:

A. complete the whole child. Educational career Responsibility;

B. the remaining 2 sets of mortgage loans are paid in full.

C. insurance is paid in full.

Family maturity goals are completed:

The retirement fund is 8365944 yuan (deposit +). financial assets Even if the house is not rented out, it can enjoy its old age.

　　 Noun interpretation

Standard deviation:

Standard deviation is a statistical concept of dispersion, reflecting the fluctuation of investment. The greater the standard deviation, the greater the fluctuation, which means the greater the risk of the investment.

When selecting investment products (including stocks, funds, bonds, etc.), we should consider the expected return and standard deviation together. Just like buying things, we should choose products with high cost performance.