Financial Management Case
Mr. Wang is 55 years old this year and is a senior executive of a state-owned enterprise in Shanghai. In the past few years, Mr. Wang continued to invest in real estate with his many years of experience. Fortunately, after After several years of waiting, housing prices in Shanghai continued to rise, finally reaching a peak after the year. Mr. Wang made a decisive move and sold the house he had been hoarding for many years. The final transaction price was 3 million yuan. He reaped the dividends of this round of real estate investment and made a lot of money. But after receiving the proceeds of 3 million yuan from buying a house, Mr. Wang wants to retire early. However, how to allocate assets, make the next round of investment, and protect his financial freedom has become the next step for Mr. Wang to consider. To this end, he consulted the famous domestic wealth management institution Majiabao Financial.
Financial goals
Achieve financial freedom. Protect your life for the rest of your life.
Financial Analysis
Mr. Wang is 55 years old this year. He has a pair of children who have completed their studies and entered the workforce, and no longer have the burden of raising children. The family is well off, in good health, and has no foreign debts to repay.
Financial Management Advice
In this regard, Allium, a well-known domestic wealth management institution, WeChat Financial Planner, combined with Mr. Wang’s actual situation, gave the following suggestions to improve Mr. Wang’s life security .
1. Familiar with new financial management products
During the communication with Mr. Wang, Allium found that Mr. Wang’s financial management concepts are relatively backward and he is not interested in emerging Internet finance, trusts, monetary funds, etc. I don't understand it, and I have a repulsive mentality. In Mr. Wang's mind, he believes more and only in time deposits from traditional banks. This resulted in Mr. Wang's bank deposit ratio reaching almost 100%. At a time when the CPI has returned to the 2 era, such a conservative investment will not only make it difficult to obtain returns, it will not even be able to maintain the value of assets.
To this end, Allium introduced the pros and cons of various types of financial products to Mr. Wang in detail to dispel his inner concerns and prejudices. "When we start asset allocation, we will classify financial products according to "investment period" and "risk level."
The investment period is flexible and the risk level is small, which is suitable for emergency reserves. . For example, we are familiar with various financial products based on monetary funds, such as Yu'e Bao, Pocket Treasure, Tenpay, etc.
The investment period is flexible and the investment is suitable for those with high risk levels. Such as stocks, futures, foreign exchange, etc. However, it is not advisable to configure too much and needs to be treated with caution.
Those with long investment horizons and low risk levels are suitable for prudent investments. Such as P2B financial management platforms, bond funds, trusts, etc.
Although the Majiabao Financial Research Center can provide customers with comprehensive investment strategy planning, in the spirit of being responsible to customers, we still hope that customers have a certain understanding of their upcoming investment projects.
2. Reasonable allocation of assets
The amount of funds of 3 million is relatively large. You can invest in some trust products. The minimum investment in trusts is generally 1 million, and it is not a big problem to get an annual income of 6%-8%. However, since trusts are not very liquid and generally have an investment period of 24 months, it is not recommended that Mr. Wang put all his funds in the trust. It would be embarrassing if something unexpected happens in life. It can only be used as a long-term investment option
In the medium and long term, Mr. Wang can invest the remaining 70 to 80% of the funds in fixed-income financial products. There are many P2B financial management platforms in the market such as Majiabao Finance. The investment threshold is low, the income is stable between 8% and 12%, and the investment period is often between half a year and one year. It is the most ideal choice for medium and long-term investment.
Since Mr. Wang has entered middle-aged life, Allium believes that there is no need to make too aggressive and high-risk investments. With a principal of 3 million, if you can use a steady and steady approach to asset allocation, you can firmly lock in an income of more than 7% every year. As long as the macroeconomic environment is stable, it will be enough to live a life of ample food and clothing.
3. Arrange commercial insurance
Mr. Wang currently only has the most common "five insurances and one housing fund" as basic protection, which is obviously a bit weak. Therefore, Allium suggested that Mr. Wang purchase commercial insurance to increase the thickness of the protection and make his old age life more secure.
For this reason, it is suggested that Mr. Wang consider looking far away from home and purchase Hong Kong insurance.
Relatively speaking, the price of insurance in Hong Kong is cheaper than in mainland China. Generally, the annual payment is more than 30%-50% cheaper than similar insurance in mainland China, and the underwriting conditions in Hong Kong are not as harsh as those in mainland China. The types of diseases covered far exceed those in mainland China, and you can enjoy considerate claims settlement in any corner of the world. The service is the first choice for overseas insurance. I recommend Mr. Wang to consider purchasing it to give your future life more protection.
In short, through reasonable asset allocation, Mr. Wang can live a happy and healthy life and realize his dream of financial freedom.