The income is uncertain: the principal of the stock fund is 654.38+10,000 yuan, and the current loss is 20,000 yuan. In the next two years, the income after returning to capital will be 654.38+0.2 million, totaling 654.38+0.10.2 million.
Project investment shares, this item is uncertain, if there is income, temporarily as a family reserve fund.
The cost of living is estimated at 5,000 yuan, assuming that the daughter-in-law's monthly salary is all used for family expenses (I also bite my teeth and agree not to save money. Normal expenses actually don't cost too much money, but the quality of life is completely different. A fussy life will seriously affect the family atmosphere and wealth).
Achieving the goal: 6,543,800 vehicles, 654.38+0.50 flat, 7 100 flat, 654.38+0.05 flat.
At present, the total income 1 132000, the target is 2.05 million, and the rate of return needs to reach 8 1%, which is obviously unrealistic.
In view of the low yield of wealth management products at present, the wealth management income of banks is mostly 3-4%, so it is not recommended to buy wealth management. Existing equity funds can continue to hold, and it is not recommended to add positions. Because we haven't bought a house at home yet, we should prepare for adding a baby at home two years later. Suggest buying a house. You can buy a set of 150 flats directly in Lanzhou in one step, so you don't have to toss after giving birth. Choose a mortgage for the house. If you have a provident fund, you can give priority to provident fund loans. If the loan time is short, you can choose a commercial loan with a down payment of 300,000 yuan, and the remaining 700,000 yuan can be loaned for 30 years, with a monthly repayment of 3,000 yuan or 4,000 yuan. Personally, I think it is ok to choose equal principal and interest or average capital, because we will repay the general mortgage in advance and will not expire.
With this plan, the deposit of 300,000 yuan has used up the down payment, the annual income is 360,000 yuan, and the annual mortgage repayment expenditure is 50,000 yuan. Excluding other household expenses, the average monthly balance is 20,000 yuan. You can refer to this part of your own planning as follows:
Monthly 1. 3000 yuan is used by the fund for fixed investment. At present, the fixed investment of the fund is a relatively low-risk investment, which can not only save you money, but also keep your money in Qian Shengqian.
You can spend 5000 yuan every month to buy reliable financial products of the bank. Now the starting point of bank wealth management products has been lowered. Some people can buy it for 1000 yuan every day, and the time limit can be set at any time. You can buy some for three months or six months. So that you can withdraw money at any time when you need to use it flexibly.
3, you can also buy wealth management products on Alipay and WeChat, which is also very flexible. The above methods can be purchased gradually, not just one.
Personally, I suggest buying yourself a serious illness and accident insurance, because you are the pillar of your family, and it is necessary to buy insurance as you get older. You can spend about 7000 yuan a month, you need to buy it for about 20 years, and then return the income every month.
5. When the surplus or wealth management income is lower than the bank loan interest rate, you can repay the bank loan in advance without hesitation.
Besides, at present, 200,000 cars are enough. If you don't need a car to support the scene at ordinary times, it is not recommended to buy a car of 6.5438+0 million yuan at the beginning, and then decide on the overall situation of the family two years later. I hope I can help you. Life is getting better and better