Case introduction:
Mr. Zhang's only son has developed a strong interest in personal finance since the last personal finance analysis for Mr. Zhang. He also said "look" to his son many times.
Analyze and adjust Mr. Zhang's current financial situation.
Mr. Zhang Xiao was born in 1979 and is unmarried. Like most young people, he loves to make friends and have fun, but compared with his peers, I think his personality is more calm and introverted, probably because.
Because of this, Mr. Zhang worked for more than two years and actually accumulated more than 200,000 deposits, which was a bit unexpected to me. His family situation is relatively well-off, and Mr. Zhang has no living burden. Personal position
The monthly income of white-collar workers in IT industry is 1 1,000 yuan, and the monthly expenditure is as follows: entertainment and fitness expenditure 1, 200 yuan; Transportation fee 300 yuan; Communication fee 200 yuan; Average monthly 250 yuan for tourism consumption; Pay the family 2500 yuan. at present
Bank time deposit is 6,543,800 yuan+0.6 million yuan, and I have participated in social insurance and have no investment experience. Risk preference: I am a rational investor with a calm personality. I don't want to take high risks, but I also want to try to invest.
. Goal: I hope to buy a mortgaged house in the near future, and the down payment+decoration will cost about 6,543,800 yuan; Buying a car is worth less than 6,543,800 yuan.
Case study:
Through many conversations with Mr. Xiao Zhang, I found that although he is young, he is polite, mature and not extravagant. He is an ambitious and enterprising young man. Personal economy
The situation is summarized as follows:
I. Monthly income and expenditure of Mr. Zhang Xiao:
65,438+0. Monthly income: 1 0,000 yuan.
2. Monthly expenditure:1200+300+200+250+2500 = 4450 yuan.
3. Monthly surplus: about 5,000 yuan.
4. Existing deposit: 6,543,800 yuan+600,000 yuan (time deposit)
Second, through the analysis of Mr. Zhang's personal economic situation, I think the main problems in his current financial situation are:
1. Lack of comprehensive insurance coverage.
2. The variety of savings is too single and there is no effective investment.
3. During the single period, capital accumulation is urgently needed to meet the needs of future life.
3. The main tasks in the future: while establishing comprehensive insurance protection and solving worries, realize the accumulation of capital and gradually complete life goals such as buying a house, buying a car, getting married, settling down and providing for the elderly.
Mark.
Four. Financial objectives: The next 2-5 years will be the most important period of Mr. Xiao's career and life, with great variables and expenses. The main objectives of financial planning should be
Key points: realize the preservation and appreciation of funds on the basis of fully ensuring liquidity, and try to avoid one-sided pursuit of high-profit venture capital. Therefore, in the choice of investment varieties, we should pay attention to stable growth and
For varieties with certain liquidity, try to avoid medium-and long-term investment varieties that are risky (such as stocks) or difficult to realize (such as 3-5-year government bonds).
Financial advice:
I. Risk management plan:
The possibility of young Mr. Zhang's death or serious illness is very low, but the risk of accidents cannot be ignored. Therefore, a life-long accident insurance is very necessary.
Because the younger you are, the less the premium will be, so you should buy insurance with major diseases as the main risk and hospitalization and major accidents as the supplementary risk as soon as possible, and arrange your own serious illness and accident protection.
This is a wise move. Installment payment (annual payment) is recommended as the purchase method. about
Personally, I think it is inappropriate to rush to buy endowment insurance products under the circumstances of high inflation rate and low nominal interest rate. (Pension arrangement is an important part of financial planning, which can
So as to be realized in various ways. Buying old-age insurance is only one of several ways of providing for the aged, but it is not the only one, so, like other long-term investments, we should also consider the buying opportunity.
2. Savings accumulation plan: set up a current savings account:
A) Open a savings passbook and deposit RMB 654.38+00,000-654.38+05,000 as emergency funds (to cope with sudden and unexpected expenses).
B) Set up a strong savings account: set up a one-year lump-sum deposit account with a monthly deposit of 2,000 yuan. Mr. Zhang is young and weak, so it is very important to cultivate the awareness of saving and financial management.
The deposit behavior in June, hoping to cultivate the habit of saving and saving money. However, it should be noted that the current deposit interest rate is low, which is not suitable for long-term savings, so one-year deposit is the best. in addition
This money can also be used to pay insurance premiums when it expires every year.
C) Adjustment of deposit structure: The fixed deposit of RMB 6,543,800+RMB 6,000 will be partially withdrawn for investment, and the remaining RMB 60,000 can continue to be fixed deposit, but the structure needs to be adjusted. Expiration of deposit certificate
After that, it is suggested to divide it into three certificates of deposit (20,000 yuan each) for one year, two years and three years respectively. When a certificate of deposit expires every year, it will be converted into a three-year deposit. This not only ensures that
The liquidity of funds can avoid the loss of interest when withdrawing in advance and enjoy a higher deposit interest rate of three years. This kind of deposit management skill is more suitable for customers like Mr. Zhang.
Third, the investment pension plan:
D) Try to invest: Because Mr. Zhang has no investment experience and is usually busy, it is not recommended to engage in complex and energy-consuming transactions such as stocks and foreign exchange.
Investment varieties. My suggestion is to invest 654.38 million yuan in various open-end funds: 50 thousand yuan to buy monetary open-end funds (strong liquidity and stable income); 50,000 yuan to buy stock-based opening
Fund (accumulate investment experience and pursue higher returns). This method is flexible, can be realized at any time while investing, and is suitable for continuing education or making up for the shortage of funds in emergency accounts.
Young people in the start-up period.
E) Set up an investment reserve account and make good pension arrangements: open a current savings card account (which can be designated as a personal settlement account), deposit 2,000 yuan every month, and buy stocks by regular fixed investment.
Ticket-type open-end fund. This investment account is very important to Mr. Zhang. As long as it can be maintained for a long time, the huge wealth formed by compound interest investment after more than ten years or even decades should be enough.
He retired happily.
Summary:
If you compare the planning before and after, you can find that Mr. Zhang will not have any concerns now; Accident insurance and medical insurance provided him with comprehensive personal protection; Must be dealt with
Emergency fund for emergencies; There are enough easy-to-realize assets to meet consumer demand at any time; Gradually realize the accumulation of capital as a reserve for future life; Trying to invest in some kind of risk
Investing in varieties can enhance the awareness of financial management (which is very important for modern people) and realize capital appreciation.
Financial manager tips:
The plan is valid for one year. If the living conditions change greatly during the maturity or period, the financial manager should be informed in time so as to adjust the financial planning.