Basic information: coordinate Chengdu, age 30, two children go to kindergarten, and the spouse does not go to work to take care of the children full time. The monthly salary is 6.5438+0.5 million, and the dividend at the end of the year is 300,000. In addition, there is an investment of 6.5438+0 million. At the end of the year, there were 250,000 dividend income, 600,000 dividend insurance and 78,000 cash. The fund has a fixed investment of 5,000 yuan per month, with a total investment of 65,000 yuan and a profit of 8,000 yuan. The stock investment was 300,000, and it lost half. In addition, the husband and wife have a critical illness insurance premium of 500,000.

Financial goal: buy an improved house in the next few years and prepare enough education funds for children.

1. insurance planning: according to the principle of "double tenth", the main labor force needs to be increased by 500,000 yuan for critical illness insurance (be careful not to buy dividend-paying critical illness insurance, and it is recommended to buy a separate critical illness insurance product). In addition, an accident insurance of 6,543,800 yuan will be allocated, which will be paid in 654,38+00 years, with an annual expenditure of about 20,000 yuan.

2. Long-term financial management: The Foundation will make a fixed investment and continue to make a fixed investment every month. This investment plan is specially formulated for future children's education.

3. Stock investment: It is recommended not to make repeated stock investment at this time, because there are stock funds in the fund's fixed investment, and take out 6,543,800+0.5 million to make a one-year stable wealth management product.

4. Cash management: Of the 78,000, 50,000 will be a one-year stable wealth management product, and 28,000 will be a growth wealth management product to facilitate liquidity management.

5. Balance funds: Mr. Wang's monthly income is used for family expenses, even not enough. The source of household disposable income is (dividend 300,000+year-end investment income 250,000)-(insurance expenditure 30,000+extra calculation expenditure 50,000) = 470,000 minus increased insurance expenditure 20,000 = 450,000.

The accumulated fund at the end of the first year is: 450,000+150,000+50,000 = 650,000 times 1.05 (wealth management income) = 682,500.

The accumulated fund in the second year is: (45+68.25) million *1.05 =1132500.

At present, the average house price in Chengdu is 1.5 million/square meter. It is estimated that the housing in the school district and the central city is about 22,000/m2. For a family of four, it is recommended to buy a house of about 1.40 square meters, with a total price of about 3.08 million. The down payment is 40% 1.23 million, plus tax parking spaces, etc. It is necessary to pay back1.4000, and the monthly mortgage is about1.3200, which is1.3200 every year.

Source of down payment: 1 132500+ policy loan of 270,000 yuan, and estimated decoration payment of 300,000 yuan. The source of the down payment is the policy loan of 300,000 yuan, and the interest expense of the policy loan is the funds prepared by Risheng Financial Management.

The annual balance after buying a house is: 450,000-132,000 = 3180,000.

570,000 yuan policy loan repayment source: from the third year, the annual balance is 310.8 million yuan, and the policy loan will be paid off in two years.

In the fifth year, the household disposable income was 310.8 million, and assets began to accumulate again. At this time, the accumulated principal and income of the fund is about 270,000 yuan, which is used for education.

To sum up: you can buy a suitable house after accumulating financial management for 2 years.

The above is the sharing of relevant financial management cases, and it is given to friends who want to manage their finances. I hope it helps you!