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From the perspective of capital security, reasonable liabilities, appropriate emergency reserve funds and reasonable insurance allocation can ensure the safety of family funds. The following planning suggestions are given from the aspects of investment, education, pension and insurance:
(1) investment planning
From the perspective of investment structure, while the family assets are growing steadily, the wealth management income is also increasing, and the proportion of family income is also increasing, indicating that the family's financial freedom is gradually improving. At present, the funds of Mr. Zhao's family are growing steadily, but the growth point mainly depends on savings, and the investment channels are relatively simple, mainly time deposits and funds. The next goal should be to improve the efficiency of capital investment and increase investment income. For non-professional investors, there is not enough time and energy and less investment information. It is not recommended to invest in wealth management products with high risk and short cycle. It is suggested to choose financial products with long-term and stable growth, invest continuously on a regular basis, sacrifice the flexibility of funds and exchange time for income. Secondly, setting a clear time, amount and order for financial management goals can help families achieve their goals as soon as possible, and at the same time, they should fully consider financial management goals according to the actual situation of families.
Considering the possible financial problems, the remaining funds can be invested in financial products with short term, safe principal and slightly higher interest rate, such as short-term structured financial products and bill products of banks. These products are mainly invested in money markets such as bank bills and short-term financing bills, and the term generally ranges from 7 days to 3 months, and the income is generally higher than that of time deposits. In addition, you can also invest in money funds.
(2) Educational planning
Education expenses cannot be postponed or changed. It is suggested that the education expenses should be planned as early as possible and there should be sufficient budget. Education grant is the recent financial goal, which needs to be considered first. After 6 years, the cost of studying abroad is about 6,543,800 yuan. If the current investment assets are halved, the product with an annualized rate of return of 3.7% can guarantee the cost. At present, the bank trust investment and wealth management products and bond funds on the market can be the first choice for family steady investment.
Mr. Zhao's family liquid assets investment mainly invests in stocks and gold. Although the investment structure is relatively scattered, once the market weakens, assets will inevitably shrink or be locked in. It is suggested that venture capital should be halved and steady investment should be taken to prepare for future education grants and pensions.
(3) Pension planning
For Zhao and his wife's pension planning, it is also suggested to adopt the method of regular fixed investment. Mr. Zhao and his wife are both about 38 years old, and there are still 10 years before their expected retirement. It is more appropriate to choose a fixed investment method for pension reserves. If the monthly investment is 10000 yuan, the return on investment will be 6%-8%. After 10 years, the income will be about 500,000-600,000 yuan. The husband and wife set up their own pension plans, with a monthly investment of 10000 yuan. When they retire, they will add social pension, which basically meets the retirement needs.
(4) Insurance planning
Mr. Zhao started his own business and bought himself the most basic social security. His wife works in a foreign trade company, but these guarantees are not enough to help his family cope with various emergencies.
Insurance types are divided into savings insurance, security insurance and investment insurance. Savings insurance helps to reserve funds regularly to meet the demand for funds in uncertain periods. Guaranteed insurance mainly considers the impact of risks on the quality of family life and various financial objectives after the occurrence of family economic pillars, with consumption as the main type. Guaranteed insurance mainly considers the impact of risks on the quality of family life and various financial objectives after the occurrence of family economic pillars, with consumption as the main type. Investment-type insurance combines investment and security to help families achieve long-term financial goals while providing necessary protection. Account insurance, such as investment-linked insurance and universal insurance.
Investment-type insurance combines investment and security to help families achieve long-term financial goals while providing necessary protection. Account insurance, such as investment-linked insurance and universal insurance.
Like Mr. Zhao's family, it is suggested that both husband and wife supplement critical illness insurance and accident insurance to deal with sudden diseases and accidents. The types of insurance are mainly insurance, which can supplement social security, so the cost is low and the amount of insurance is large.
This article is excerpted from "Beta Financial Planner's Growth Manual-Comprehensive Case Analysis and Suggestions for Different Types of Customers".
The article talks about: how to make an asset allocation plan is reasonable; What principles need to be adhered to; How to specify different asset allocation schemes for different types of customers?
I hope it helps you.