Family financial management is to plan and manage the family economy (mainly refers to family income and expenditure) by using enterprise financial management and financial methods, so as to strengthen the family economic strength, improve the ability to resist risks and increase the family utility. The following is a case of family financial planning that I have compiled for you. Welcome to read and browse.
Family background: I was born in 1985 and my wife is 1987. At present, both of them live in underdeveloped coastal cities (neither of them is a local). I am a small civil servant with a monthly income of about 5,000 yuan. My wife works in a small enterprise with a monthly salary of about 2,000 yuan. Social insurance is basically available, but she has no housing provident fund. Both parents are rural and have pension and medical insurance.
Economic situation: At present, there are 2 houses, both of which were purchased when the loan was relaxed in 2009. A house occupies 400,000 yuan, and the provident fund loan 15 years. The monthly contribution of the provident fund can just offset the monthly contribution. Another small apartment with a market value of 200,000 was bought in consideration of the convenience for parents to come and live in the future. The location is near the university. At present, it is temporarily used for rental. The commercial loan was 654.38+0.5 million yuan, which was paid off in 2005 with an interest rate of 30%, almost offsetting the monthly payment.
In terms of car purchase, for Mr. Chen who has no savings, buying a car of 80 to 65,438+10,000 yuan must be carefully calculated. At present, many 4S stores have launched 0 interest rate loans to buy cars. It is suggested that Mr. Chen Can choose to withdraw some money from high-risk p2p investment as down payment and purchase auto insurance. When buying auto insurance, you'd better buy a new car with full insurance. The most basic ones are compulsory insurance, car damage insurance, third party liability insurance (it is best to buy full insurance of 654.38+0 million) and no deductible. Others such as burglary insurance, personnel insurance on board, scratch insurance, glass insurance and natural insurance can also be selected. Because Mr. Chen lives in a southern city, there is a lot of rain, and water insurance is also necessary. It is estimated that the total cost is around 5000 yuan. The insurance covered by auto insurance only protects the third party and the vehicle itself, but does not protect the driver. On the way now? Road killer? A lot, all of them? Indigenous people? Mr. Chen is also worried about accidents while driving. Once Mr. Chen is injured, it will be a serious blow to his family. So, supplement? Allianz accident insurance? This is necessary. ? Driving at will? It can provide protection for routine accidents, and at the same time, if there is an accident due to driving, the insurance coverage is' 2 1 times that of routine accidents. That is to buy 65438+ 10,000 insurance coverage? Driving at will? In case of total disability or death due to a driving accident, you will receive compensation of 265,438+10,000 yuan.
In terms of fixed investment, the stock market is gradually picking up, and the fixed investment can continue to be held, but it is suggested that Teacher Chen put the funds into a low-risk and stable account to maintain a certain income for a long time.
The birth of the baby means that Mr. Chen's burden is heavier. He needs to know some insurance configurations in education and medical care during the baby's growth and predict the expenditure. Therefore, Mr. Chen still has to work hard to improve his income level and make careful calculations to make his life richer!
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Mr. Chen's previous asset allocation risk coefficient was extremely high, and all 80,000 yuan was invested in P2P financial management, and there was no bank deposit. The author suggests that some bank wealth management products can be made appropriately, with a slightly higher income than bank deposits and a much lower risk than P2P wealth management. As for the emergency reserve fund suggested by the financial planner, I suggest that Mr. Chen Can use the reserve fund for balance management, which can be redeemed at any time. At present, many banks and fund companies have started such balance financing.
Investment situation: I didn't pay attention to the stock market, made some fixed investment and P2P financing, and bought several insurances.
Fund fixed investment: E Fund Resources, 500 yuan/month; Harvest CSI 300 Fund (2583.455, 46.36, 1.83%), 500 yuan/month; Top consumer goods in rich countries, 400 yuan/month; Haifutong China Overseas, 300 yuan/Month; Bank of Communications Schroeder Global Essence, 300 yuan/Month.
Monetary fund 15000 yuan; P2P Finance has invested in two platforms with a total investment of about 80,000 yuan. Now I'm going to withdraw some of them, and I feel that the risk is higher than my ability to bear. I have a credit card and no debt. Now my living money is less, and most of my salary is invested in the above part.
Among them, according to teacher Chen's reply, only E Fund has invested in the resource industry for more than two years, with a cumulative investment of 1.3 million yuan and a current loss of 5%; Other funds have only invested for a few months and have no income. There is no deposit at home.
Insurance: I bought critical illness insurance when I was working in 2006, and I paid10.5 million per year, and the payment period was 20 years. I feel a little less now. In 2009, I bought dividend insurance and returned the principal, with an annual payment of 1 1,000 yuan and a payment period of 5 years. There is no need to pay fees at the end of this year, and the principal will be returned about 20,000 yuan in 2065,438+09. In 20 14, I insured my wife for critical illness insurance and cancer prevention insurance, with an annual payment of 10000 yuan and a payment period of 20 years.
Consumption: My wife and I spend less. Excluding some fixed living expenses and occasional online shopping expenses, it is about 1500 yuan per month. I plan to travel once every two years, about 5000 yuan.
The nearest target
1, ready to have a baby next year;
2. I am going to buy a car early next year, with a budget of 8-65438+ 10,000 yuan;
3. Adhere to the fixed investment of the fund to see if it is necessary to adjust the matching quota.
4. Do I need to increase my critical illness insurance policy?
? In terms of asset structure, the proportion of real estate in total assets is too large, far exceeding the reasonable allocation ratio of 40%, which needs to be adjusted. ?
Basic situation of family
The annual income is 60,000,84,000.
Wife 24,000 yuan
The annual living expenses are 654.38+8000 yuan and 46000 yuan.
Travel expenses are 2500 yuan.
Insurance premium 1500 yuan.
The fund has a fixed investment of 24,000 yuan.
The annual balance is 28,000 yuan.
Asset allocation table
Self-occupied property 40+20 = 600,000 yuan
P2P financing 80,000 yuan
Fund1.3+1.5 = 28,000 yuan.
Family situation analysis
Income analysis
Personal and family finance around you? Balance of payments? Expanding scale, increasing income, controlling expenditure and maintaining balance of payments are the basic requirements. Income level reflects a person's ability to make money and is the fundamental guarantee of financial management.
At present, the annual household income is greater than the expenditure, and the proportion of expenditure to income is lower than the warning value of 50%, and the income and expenditure are well controlled.
Asset analysis
At present, the total assets are 700,000 yuan, including 600,000 yuan of real estate and 6,543,800 yuan of cash assets. In terms of asset structure, the proportion of real estate in total assets is too large, far exceeding the reasonable allocation ratio of 40%, which needs to be adjusted.
At present, the total liabilities are 600,000 yuan, including 600,000 yuan for real estate and 654.38+10,000 yuan for current assets.
Assets and liabilities: assets are greater than liabilities, and liabilities account for 86% of assets, exceeding the pressure value of 70%. The situation is not good, and the debt needs to be gradually reduced.
Financial preference
Conservative financial products
Family financial planning asset allocation table
Future target time, target demand, asset allocation and return on investment explanation
The emergency reserve fund is 65438+100000 yuan salary and 2.25%-4.1%six months living expenses.
Family risk
Avoid planning immediate 900,000 yuan term life insurance.
critical illness insurance
Accident protection _ The insured amount of serious illness of husband and wife is 200,000, term life insurance is 500,000, and accident protection is 200,000-500,000.
Car purchase plan 1 year 80,000 yuan positive fund 10-30% withdrawal of p2p funds 80,000 yuan.
Education fund for 3-22 years, 200,000 yuan, bank financing.
6%-10% of the existing deposit reserve (20,000 due in 2065 438+09 and 30,000 due in 2024) can be planned for education insurance.
The travel plan is 5000 yuan, 80-1.5000 yuan, 4-6% of the deposit reserve is used for dividend-paying investment insurance every two years, and1.5000 yuan is invested in investment-linked insurance accounts every year.
The children's marriage plan is 200,000 yuan for five years, and the dividend investment insurance is 4%-6% of the deposit reserve. In addition, 654.38+00,000 yuan will be invested in the investment-linked insurance account every year.
Retirement plan: After the age of 60, the pension is 5,000 yuan, 6,543.8+2,000 yuan, dividend investment insurance is 4%-6%, plus rent and supplementary pension, and the annual investment is 5,000 yuan.
Summary:
1, ready to have a baby next year; Prepare 1 0,000 yuan. The monthly expenditure will increase by 1000 yuan.
2. Monetary fund 15000 yuan; P2P has invested about 80,000 yuan, so it's too risky to quit part of it. Use credit cards rationally and pay attention to the stock market. The budget for buying a car is 8-65438+ 10,000;
3. The Foundation will make a fixed investment and adjust the matching quota, and will not move for the time being.
4. Plan the husband's health and the loan guarantee of real estate. 10-200,000 yuan health insurance, 500,000 yuan accident and value insurance, and the insurance premium is about 8,000 yuan.
5. Car insurance costs 3000 yuan to 5000 yuan.
6. Current wealth management products: Yu 'ebao [Weibo], salary bonus, etc. Flexible and convenient
After 7.3 years, we should prepare the pension and the baby's education fund.
? In terms of fixed investment, the stock market is gradually picking up, and the fixed investment can continue to be held, but it is suggested that Teacher Chen put the funds into a low-risk and stable account. ?
Mr. Chen's family has just started, so it is particularly important to plan the family's income, expenditure, savings and investment in a planned way and arrange the family budget reasonably. According to Mr. Chen's current family living expenses and recent consumption targets, the following financial planning is made:
According to the above income and expenditure, at present, Mr. Chen's disposable amount is about 28,000 yuan a year. In terms of housing, Mr. Chen has two houses, a provident fund repayment and a rent mortgage, which will not affect his normal life. However, if the parents move to take care of the baby after the baby is born, the rental income of the house will be gone and the repayment cost will increase. Mr. Chen's parents' medical insurance is in the countryside, so they should consider buying an accident insurance. Annual payment 199 yuan, accident protection 1 10,000 yuan, and accident medical treatment is 5,000 yuan per session. As the economic pillar of the family, Mr. Chen should be prepared for the family to deal with sudden risks. It turns out that the annual payment of 1.500 yuan's critical illness insurance is too small. It is suggested that Mr. Chen refer to the following table to supplement some insurance for himself:
Allianz Ankang Fu Rui Comprehensive Protection Plan for Triple Compensation for Serious Illness: About 700 yuan every month can avoid the loss caused by possible future risks of the family. Before the age of 85, you can get a maximum of 300,000 serious illness compensation for three times. When an accident occurs while driving, the maximum compensation amount can reach 265,438+10,000.
In terms of fixed investment, the stock market is gradually picking up, and the fixed investment can continue to be held, but it is suggested that Teacher Chen put the funds into a low-risk and stable account to maintain a certain income for a long time.
The birth of the baby means that Mr. Chen's burden is heavier. He needs to know some insurance configurations in education and medical care during the baby's growth and predict the expenditure. Therefore, Mr. Chen still has to work hard to improve his income level and make careful calculations to make his life richer!
comment
Mr. Chen's previous asset allocation risk coefficient was extremely high, and all 80,000 yuan was invested in P2P financial management, and there was no bank deposit. The author suggests that some bank wealth management products can be made appropriately, with a slightly higher income than bank deposits and a much lower risk than P2P wealth management. As for the emergency reserve fund suggested by the financial planner, I suggest that Mr. Chen Can use the reserve fund for balance management, which can be redeemed at any time. At present, many banks and fund companies have started such balance financing.
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