Boss Zhang, 45, from Chaoshan, Guangdong, has been in business for many years. There is a small foreign trade processing enterprise. Due to the economic crisis, its profitability has dropped significantly compared with that before 2008, with an annual net profit of about 350,000. At present, the family assets are about 3.8 million, of which the real estate value is 2 million, the car is 600,000, the deposit is 200,000, and the stock investment is 6.5438+0 million. However, in the face of family expenses, boss Zhang has a headache about how to manage millions of spare money. Boss Zhang's family spends 200,000 yuan a year, and all the family members have purchased commercial insurance. Because the stock market is too risky in recent years, boss Zhang has lost a lot. At present, Mr. Zhang's son is an undergraduate in a domestic university and plans to go to the United States for postgraduate study after graduation. After consulting relevant people, the cost is around 400,000. With the future of business uncertain and the expenses for studying abroad to be prepared for his son, how can Boss Zhang manage money with millions of spare money, get a reasonable income and meet the needs of life? He wants to listen to the advice of the financial planner. Boss Zhang's financial goal: 1. Analysis of family status: From the analysis of family status, Boss Zhang is a typical Chaoshan, with a successful career, a house and a car, a carefree life and a love of adventure. Judging from the current economic sources, Boss Zhang's enterprise belongs to foreign trade processing enterprises. In today's global economic downturn, although there are still profits, there are great variables. In order to enhance the risk tolerance, Mr. Zhang should prepare more working capital to cope with business turnover. Judging from Mr. Zhang's current financial management model, there are 65,438+0,000 funds for the stock market, and the investment strategy is too radical, and all of them are operated by themselves, so there is great uncertainty. With more business, enterprises will also lack enough time to take care of inventory. Judging from the expenditure, my son needs nearly 400 thousand to study abroad after graduating from college, which is not a small amount. Boss Zhang must plan ahead and make a good plan. Judging from the pressure of providing for the aged, because all family members have purchased commercial insurance, the pressure on the elderly is not great, but they should be prepared for future accidents and major diseases. But boss Zhang has been in business for many years. He has a house and a car, and the company has always been profitable. He has nearly 1 ten thousand spare money in his hand. After careful financial planning, taking precautions, rational consumption and stable family finances, the financial goal of my son studying abroad can be achieved. Second, how to manage millions of spare money Suggestions: Boss Zhang's spare money of 654.38+0 million is used for stock market investment, which is undoubtedly too risky for his financial management goals. For the problem of how to manage 654.38+00 thousand spare money, the financial planner suggests using the "three-point method" for planning. That is, short-term management of liquidity, medium-term investment and long-term pension preparation. 1. Manage liquidity. Boss Zhang often has a lot of short-term liquidity when doing business. At present, Zhang's family expenditure is 200,000 yuan, and the monthly expenditure parity is about 1.67 million. The monthly expenditure of the retained family should be 3-6 months, * * * 50,000 yuan-1. At the same time, in order to cope with the possible business turnover, according to the scale and profit level of Boss Zhang's current enterprise, there should be an emergency reserve fund of about 300,000 yuan. Contingency reserve arrangement can be held in the form of 50% bank deposit and 50% monetary fund. The risk of money fund is low, and interest is calculated on a daily basis. Funds can be purchased and redeemed at any time, which can not only ensure the liquidity of funds, but also maximize the rate of return of flexible funds. 2. Long-term and medium-term investment to preserve and increase value, and reserve education funds for his son's study abroad (1) Stock market investment: Boss Zhang's long-term and medium-term funds are mainly self-investment stocks 1 10,000 yuan. As we all know, the stock market is risky. For middle-aged successful people, it should be prudent to reduce the proportion of direct stock market investment to below 25%. At the same time, try to hand over the funds to professionals. For example, Guangfa Jurui, headed by Liu Mingyue, the manager of Guangfa Fund, has achieved an investment income of 18.03% this year, ranking first among similar funds in both the "last year" and "last two years". In this way, buying this fund is much better than Zhang's own operation. (2) Bond investment: Compared with the uncontrollable stock market, bond investment has less risk and more certain income, which is more suitable for middle-aged successful people to use it as a financial management method. At present, the global economy is entering the era of interest rate cuts, and the yield of bonds will be even more impressive. For example, the three-year yield of "Guangfa Enhanced Bond" operated by Guangfa Fund reached 17.88%. Zhang Can, the boss, used 50% of the medium and long-term funds for bond investment. (3) Dollar investment: The uncertainty of world economic development leads to the decrease of global risk appetite for capital and the return of capital to the United States. As a safe haven for funds, dollar investment is expected to continue to heat up. Zhang Can, the boss, invested 15% of1000000 spare money in US dollars. (4) Investment in gold and silver: The continuous loose economic policies of central banks around the world will be beneficial to the rise of precious metals such as gold and silver to some extent. It is suggested that Mr. Zhang invest 65,438+00% of his capital in precious metals investment. 3. Strengthen pension planning. Boss Zhang is 45 years old and middle-aged. In terms of investment, it is necessary to gradually stabilize, make plans for future retirement, have a clear understanding of how to manage millions of spare money, and try to avoid asset ups and downs. Boss Zhang's family bought commercial insurance, which played a great role in resisting family risks. It is suggested to improve the insurance varieties and buy some accident insurance, critical illness insurance, hospitalization and medical insurance for family members. Financial planning will make boss Zhang's capital allocation more optimized. He should not only consider the short-term capital needs needed for running a business and daily life, but also make steady investment in his son's funds for studying in the United States after graduating from college. At the same time, the corresponding asset allocation is carried out for the future retirement life to ensure the worry-free life in the later years. In this way, boss Zhang knows how to manage his millions of spare money. You may also like > How to buy a fund in a downturn "What fund to buy now?" -the confusion of a fund beginner