The annual expenses are about 1.2 million yuan, including a 93-square-meter self-occupied house and two other houses for parents to live in, with a market value of about 600,000 yuan. In the fifth grade, three people buy 400 thousand commercial medical insurance. There are 440,000 stock funds (loss of 60,000), 240,000 index funds, 800,000 capital preservation funds, 6.5438+0.2 million national debt, 200,000 savings insurance, 380,000 stocks and 6.5438+0.83 million cash, which are mainly used for issuing new shares and 90,000 gold coins. In the future, I want to change a big house with 150 square meters, 10000 square meters, and there are about 150000 parking spaces. Children want to go abroad to study in universities, and we plan to retire at 50. How to plan financial management is more reasonable?

Come in and let the experts answer your financial problems! Sohu finance special Zhongtian Jiahua finance team replied as follows:

Education Planning: Invest 200,000 yuan into the growth account of Linked Insurance every year, with an annual income of 8% and a term of 7 years. When the child is 654.38+08 years old, the final value will be 6.5438+0.78 million yuan, which will be used as the children's education fund.

Pension planning: It is recommended that you and your wife purchase dividend annuity pension insurance from insurance companies. The premium is 50,000 yuan per year, and the payment period is 10 year. The annuity will be collected from the age of 55 for 20 years, and the total amount (annuity+bonus): you will receive about 1.02 million yuan, and your lover will receive about 1.07 million yuan.

New house purchase plan: the total purchase price is 6,543,800 yuan+0.5 million yuan. If 70% of the houses are mortgaged by commercial loans, the monthly mortgage is 7486.23 yuan, about 90,000 yuan per year, according to the current bank interest rate. The loan term is 20 years. In this case, the annual surplus is: 600,000 (annual income)-120,000 (annual expenditure)-200,000 (annual education expenditure)-90,000 (mortgage)-65,438+10,000 (annual pension expenditure) = 90,000. The annual surplus does not consider other investments, but only prepares for the usual living expenses and the increase of mortgage expenses when the market interest rate rises in the future.

Cash plan: 1.83 million, after deducting 30% down payment of 450,000 and parking space 1.50 million, the remaining 1.23 million. It is suggested to allocate 6,543,800+5,000 monetary funds to improve the rate of return on cash assets and 80,000 demand deposits or seven-day notice deposits.

Robust asset planning: In view of the need to pay attention to safety and stability of robust assets, it is suggested to choose fixed-income trust wealth management products in robust asset allocation. Fixed-income trusts are divided into three categories: 1, government financial repayment type; 2. Type of equity pledge; 3. Types of real estate mortgage loans. It is suggested to allocate 6,543,800+0,000 fixed income trust products. In addition, when the national debt of 6,543,800+2,000 yuan expires, it is also suggested to convert this part of assets into fixed-income assets.

Risk assets: 380,000 shares, 6,543.8+0.42 million funds (440,000 stock funds (loss of 60,000), 240,000 index funds and 800,000 capital preservation funds), totaling * * * 6,543.8+0.8 million, which is arranged as a whole. Considering that the positions of stock funds and index funds are strictly idle, with poor flexibility and high risks, it is suggested to change careers.