Ms. Han is 35 years old and now lives in Huangdao District. She is a housewife.
In June 5438+10, Ms. Han will have a baby. The family income is mainly borne by Ms. Han's husband, 6000 yuan per month. Ms. Han opened a children's clothing store before. She lost money this year and caught up with pregnancy. She plans to close it temporarily and concentrate on taking care of her children at home. The two plan that Ms. Han will go out to work after her children go to school.
Family expenditure is 3300 yuan per month, including living expenses 1500 yuan, pocket money 1000 yuan, and car maintenance expenses in 800 yuan. Since the mortgage has been paid off, Ms. Han has no pressure to repay the loan and no other liabilities.
In terms of assets, Ms. Han's family has a deposit of 200,000 yuan, of which 65,438+million yuan will be kept for one year and will expire in May next year. There are still 654.38 million loans to friends, but they will be paid back in June. In terms of insurance, Ms. Han and her husband have social security, but there is no commercial insurance. Ms. Han's family plans to prepare a universal insurance for the baby born. I don't know if it is appropriate. In addition, the family plans to change a big house within five years, with a down payment of 600 thousand.
1. Apply for a credit card and increase financial channels.
Angela Yu Chien, personal account manager of China Industrial and Commercial Bank Qingdao High-tech Park Branch, believes that Ms. Han's family is in a relatively stable development stage, but the financial management of the whole family is too conservative, resulting in a low expected annualized rate of return on investment. Angela Yu Chien suggested that Ms. Han do a good job in asset allocation and invest in stocks, funds and other products appropriately to achieve long-term preservation and appreciation of family assets.
Ms Han's baby was born in June 5438+10, and the monthly living expenses will increase by about 500 yuan. In view of the income and expenditure of Ms. Han's family, and her temporary absence from work and lack of stable income, it is suggested that Ms. Han reduce unnecessary expenses in her daily life and try to control her monthly expenses to 3,300 yuan, so that her monthly balance will be around 2,700 yuan. In the monthly balance, you can choose 2,000 yuan to invest in products or buy money funds, and the rest of 700 yuan can be used as the family's current reserve fund. At the same time, Ms. Han's family debt is zero, so she can apply for an ICBC credit card, enjoy an interest-free repayment period of 25-56 days, and increase financial channels.
As for the insurance of the unborn baby, Angela Yu Chien suggested that Ms. Han should take out medical insurance for accidental injury similar to the children's education fund insurance plan, prepare for the children's education fund, and receive high school education fund, university education fund, start-up fund and marriage fund for her children at the right time. In addition, the dividend is expected to be annualized every year, which basically meets the requirements of children's education fund reserve and medical security.
At the same time, it is suggested that Ms. Han take out regular life insurance or accident insurance for her husband, increase her old-age insurance in time, or plan and guarantee her pension by means of fixed fund investment.
2. Fixed investment+reserve, which is 448,700 yuan in five years.
In view of the fact that the time deposit has just been deposited, you can take it out properly, buy a financial product with guaranteed capital for about 4 months, and allocate assets together after your friend pays back the money in June+10, 5438. By the end of 5,438+10 in June this year, the main assets of Ms. Han's family were 200,000 yuan. After deducting the prepaid insurance premium of Ms. Han's family of about 6,543,800 yuan, the remaining assets of 6,543,800 yuan were redistributed.
In view of Ms. Han's situation, assets can be allocated according to the proportion of 20%, 30% and 50% respectively. Short-term assets can be allocated to equity funds or hybrid funds, and the historically expected annualized expected rate of return is about15%; Liquidity assets can be allocated with money funds or phased wealth management products, and the historically expected annualized expected rate of return is around 5%; Long-term assets can be allocated to bond funds, national debt or fixed investment products of funds, and the historically expected annualized expected rate of return is around 8%. The comprehensive expected rate of return of this portfolio is 8.5%.
If calculated according to the expected annualized rate of return of the above portfolio, assuming that Ms. Han reinvests in the form of compound interest, the value will increase to18× (1+8.5%) 5 = 270,700 after five years, and the principal will be calculated as180,000. If 2000 yuan in the monthly balance is added, the monetary fund is selected, and the cumulative amount is 136000 according to the historical expected annualized expected rate of return of 5%.
In addition, the accumulated monthly balance of 700 yuan is 42,000 yuan, which is 448,700 yuan. If Ms. Han wants to make up a down payment of 600,000 yuan in five years, Angela Yujian suggested that on the one hand, Ms. Han's husband should increase his income; On the other hand, Ms. Han uses her free time to sell children's clothes online.
From the above example, we know that housewives with a monthly income of 6,000 can increase their financial channels by applying for a credit card, or they can adopt a portfolio of "fixed investment+reserve".