1.？ The total monthly income of Mr. Gao and Mrs. Gao is 30,000 yuan, the annual dividend is 50,000 yuan, and the total annual income is 4 1000 yuan. The family's annual living expenses are about 6.5438+0.2 million. The annual family balance is 290,000 yuan. At present, the annual balance is basically the same as the family's plan for studying abroad. In order to ensure the family's liquidity and emergency reserve, real estate planning has become the rigid demand of this family's asset planning.
2.？ Mr. Gao's family cash assets are 300,000 yuan, and there are two fixed properties, one is worth 2,654,380,000 yuan for self-occupation and the other is worth 6,543,800 yuan for investment. At present, there is still a loan of 700,000 yuan outstanding.
3.？ The annual tuition fee for studying in Gao Lei and New Zealand is about 200,000. In addition, studying in New Zealand requires a certain deposit in advance, which is about 300,000 yuan. Therefore, in order to complete Gao Lei's first step of studying abroad, there is a funding gap of 500,000 at home.
4.？ After evaluation by professional organizations, both Mr. Gao and Mrs. Gao belong to low-risk preference customers.
5.？ Gao Lei plans to study abroad, with a one-year preparatory course and a four-year undergraduate course, so it is necessary to make a reasonable insurance plan.
Second, suggestions on the planning of overseas study funds
1. Calculation of the funding gap for studying abroad
At present, the deposit for studying abroad in New Zealand and the first-year tuition fee need 500,000 yuan, which forms the first gap of family assets. Mr. Gao hopes to sell his investment house and prepare to study in Gao Lei, but there are still 700,000 outstanding loans in the investment house, which forms the second funding gap of family assets.
2. Real estate planning
Mr. Gao hopes to sell the investment house and provide Gao Lei with about 6,543,800 yuan for studying abroad within five years. Coupled with the gap in the first year of studying in New Zealand, selling investment houses has become a rigid demand of Mr. Gao's family. Mr. Gao has 400,000 yuan in bank financing, which can be realized at maturity, and 300,000 yuan in cash deposit, totaling 700,000 yuan, which is used to repay the loan of investment real estate. Then realizing the real estate can revitalize the family assets of 6.5438+0.8 million yuan.
3. Study abroad fund and insurance planning
After Mr. Gao's family assets were revitalized, he contacted the study abroad agency to make all preparations for studying in New Zealand in Gao Lei, and paid a deposit of 300,000 yuan and a tuition fee of 200,000 yuan a year. Gao Lei's dream of studying abroad has taken another step forward. However, "When children go to Wan Li Road, their mothers are in fear", and parents are always worried about their children going abroad to study, so the allocation of commercial insurance is particularly important. Since the implementation of "one old and one small" social security in China, medical insurance has been well guaranteed. In addition, foreign schools provide medical insurance for every student, so medical insurance is relatively complete. It is suggested that Mr. Gao choose consumer insurance (term life insurance and accident insurance) for Gao Lei, which has the characteristics of low cost and high security.
Third, suggestions on the investment of household surplus assets.
After the completion of Gao Lei's study abroad plan for the first year, Mr. and Mrs. Gao felt more at ease. They need professionals to help them plan the remaining funds. After deducting the annual living expenses and children's education expenses, the income of the Gao couple is basically not much. The growth of family assets in this well-off family has stagnated because of children studying abroad, so it is particularly important to plan the existing funds. At present, the two still hold a fund of 200,000 yuan and cash assets of 6.5438+0.3 million yuan.
According to the pyramid model of family configuration, families need to reserve 10% assets as time deposits or cash management as family reserve funds; As Mr. and Mrs. Gao belong to low-risk preference customers, it is suggested that 70% of their assets be invested in low-risk, medium-and long-term and fixed-income products as a supplement to family wealth. It is suggested that 20% should invest in equity products to gain income according to market hotspots.
I hope the answer is helpful to you and I hope it will be adopted.