There are no tedious family burdens, and financial management goals are clear. In this regard, I have the following simple suggestions:

Insurance planning: You are still very young and your income is relatively high, so it is recommended that you buy some insurance. If there is no social security, you can buy more commercial insurance. If you have social security, you can add some commercial insurance. I personally do not recommend that you buy 20-year dividend life insurance with an annual payment of 800 yuan. Of course, you can consider other types of insurance.

House purchase planning: Regardless of the rise and fall of house prices, the house price will be approximately 1.05 million in five years. Based on your financial situation, it is recommended that you adopt a commercial loan with equal principal and interest repayments over 20 years. Then you will need to pay a down payment of 315,000 and the first monthly payment. If calculated based on the loan interest rate of 7.05%, the monthly payment is 5610.55 (yuan).

Therefore, buying a house is relatively stressful for you. If you can take a provident fund loan, you can reduce the monthly payment pressure. In order to raise the down payment and the first monthly payment, you need to invest 2,755 with an interest rate of 12% every month.

Car buying plan: If you don’t consider a loan to buy a car, you will need 100,000 yuan in three years. Then you need to consider the car’s consumption expenditure, which is about 10,000 yuan per year. In order to finance the car purchase, you need to invest $2,321 per month with a 12% return rate.

Based on the above two items, you need 5075 (2755+2321) yuan per month for investment in the first three years, but the 12% return is already relatively high. Therefore, consider your risk tolerance when investing.

Finally, consider your entertainment expenses. Because your income is relatively unstable, in order to better help you achieve your financial goals, I made a simple table

Income Expenditure Balance

Salary Subsidy Bonus House Car Entertainment

1 42000 6000~12000 1~30,000 -27108 -27852 2240~28240 800

2 42000 6000~12000 1~30,000 -27108 -27852 2240~28240 800

3 42000 6000~12000 10,000~30,000 -27108 -27852 2240~28240 800

4 42000 6000~12000 10,000~30,000 -27108 110,000 20892~46892 800

5 42000 6000~12000 1~30,000 -27108 10,000 20892~46892 800

6 382020 …

7 5610.55

From the table, It can be seen that the expenses you can use for entertainment in the first three years may be relatively tight, and the planned balance of 800 is used to purchase insurance, and there is no savings. If you need to save, save from entertainment.

Originally, I wanted to make an investment plan for you so that you can implement the above investment of 12% return on car purchases and 8% return on house purchases. But it's too late today. If you don't understand anything, just ask. My little suggestions, I hope it can help you. Of course, I'm just making suggestions, all at your own risk.