Insurance planning: You are still young and your income is relatively high. I suggest you buy some insurance. If there is no social security, you can buy more commercial insurance. If there is social security, you can supplement it. No, personally, I suggest you buy a life insurance policy that pays dividends to 800 yuan for 20 years every year. Of course, other types of insurance can also be considered.
House purchase planning: regardless of the rise and fall of house prices, the house price will be about 1.05 million after 5 years. According to your financial situation, I suggest you use a commercial loan with equal principal and interest repayment for 20 years. Then you need to pay a down payment of 3.65438+0.5 million and the first monthly payment. If the loan interest rate is 7.05%, the monthly payment is 56 10.55 yuan.
Therefore, buying a house is more stressful for you. If you can use provident fund loans, you can reduce the pressure on monthly supply. In order to raise the down payment and the first monthly payment, it is necessary to invest 2755 yuan per month, with a yield of 12%.
Car purchase planning: it will cost 654.38+ten thousand yuan after three years without considering the loan, and it will cost about 10000 yuan every year after considering the automobile consumption expenditure. In order to raise money to buy a car, you need to invest 232 1 yuan every month, with a yield of 12%.
To sum up the above two items, we need to invest 5075(2755+232 1) yuan every month in the first three years, but the income of 12% is already relatively high. Therefore, you should consider your risk tolerance when investing.
Finally, consider your entertainment expenses. Because your income is unstable, I made a simple list to help you achieve your financial goals better.
break even; balanced budget
Salary allowance, bonus, house, car, entertainment.
1 42000 6000 ~ 12000 1 ~ 30,000-27 108-27852 2240 ~ 28240 800
2 42000 6000 ~ 12000 1 ~ 30,000-27 108-27852 2240 ~ 28240 800
3 42000 6000 ~ 12000 1 ~ 30,000-27 108-27852 2240 ~ 28240 800
4 42000 6000 ~ 12000 1 ~ 30000-27 108 1 10020892 ~ 46892 800
5 420006000 ~ 12000 1 ~ 30000-27 108 10020892 ~ 46892800
6 382020 …
7 56 10.55
As can be seen from the table, the expenses you can spend on entertainment in the first three years may be relatively tight, so the planned balance of 800 is used to buy insurance, and there is no savings. If you need to save money, save it from social activities.
Originally, I wanted to make an investment plan for you and implement the above investment of 12% to buy a car and 8% to buy a house. But today is too late. Ask again if you don't understand anything. My little advice, I hope it will help you. Of course, I'm just making suggestions, at your own risk.