Ms. Chen, 27 years old, works in a supermarket with a monthly income of about 8 yuan, and her income is unstable. Her husband works in a chemical factory with a monthly salary of nearly 2, yuan, and her three-year-old son goes to kindergarten. The village subsidizes 6 yuan per person every year. At present, I can receive rent in 1 yuan every month, and my children go to kindergarten in 3 yuan every month. There is a deposit of 2 thousand yuan. The insurance parents-in-law whose husbands have units have no pension or medical insurance.

check-up: in the name of the child, I have taken out a bonus insurance plan for Jincai Tomorrow, with an annual income of 5, yuan and a term of 1 years; The husband and wife each took out a major illness insurance policy of Corning, with an annual total of 3, yuan, with a term of 2 years, and invested in 7 yuan every month.

financial needs: I don't know if the insurance is right. I hope financial experts can analyze and study our situation so that our life can have a better quality. How much money do you need to deposit each month and how much money you have left.

Guest: Liu Wei, financial planner of Bank of China, Hebei Branch

1. Financial situation:

Judging from the current income and expenditure situation, there is still a slight surplus in maintaining the basic life of a family.

At present, the bank deposit is 2, yuan, and the dividend insurance will be paid for up to three years. According to 15, yuan, the fixed investment of the fund has not been stated for how long, and it is estimated that it started in 27. It is estimated that the market value has shrunk by about 4%, and there are rental properties, and the monthly rental of 1 yuan houses is estimated at 4,-5,. According to the calculation of 45,, the family assets are roughly 99,.

Second, financial problems:

1. Among the family assets, the proportion of real estate is too large, and the family reserve is small, only 3,-4,. The elderly at home have no medical insurance and pension, and it is difficult to cope with unexpected expenses;

2. The main source of income for the family is the husband and wife's salary and rent. Once there is unemployment or the rental of the house is interrupted, the source of income will become a problem.

3. As the breadwinners of the family, the husband and wife only bought critical illness insurance, but they bought dividend life insurance for their children. The elderly at home have no pension. Once the breadwinners at home have an accident, the family will be in trouble.

Third, financial advice

There are many problems to be solved in this family, such as medical care for the elderly, children's education, improving the family's ability to resist risks, improving their quality of life, and future pension for husband and wife, which are difficult to achieve only by the current income and expenditure situation. The solutions are: increasing income, rationally arranging expenses, adjusting insurance structure, and persisting in investment.

1. increase income.

As young people, husband and wife should work hard to improve their income, and they can improve their own ability through various studies, so as to further their own work. As the wife works in a supermarket and is in contact with business, she can consider learning business knowledge, pay more attention to business processes, learn the ways of doing business, and prepare for her own business in the future. The husband can learn professional knowledge, master a skill, and move forward to senior blue-collar or management. At the same time, creating a learning atmosphere in the family will play a very good educational role for children.

2. Arrange expenses reasonably.

Open source and reduce expenditure in parallel. Although the living expenses of 2, yuan are not high, you can still save money as long as you find ways, such as using discounts in shopping malls and supermarkets to limit non-essential expenses. The frugality in the early stage is for a better life in the future.

3. Adjust the insurance structure.

In the current fund accumulation period, in principle, we should try to buy pure security insurance to save the premium, and focus on the husband and wife, the mainstay of the family economy.

Specific: Corning's serious illness does not need to be adjusted;

Dividend insurance in the name of children should be changed into term life insurance in the name of husband and wife, so as to strengthen family security;

In this family, only the husband has basic old-age insurance. In order to ensure the retirement life of the husband and wife, it is suggested to increase the commercial old-age insurance for the husband and wife.

4. Insist on investment.

The fixed monthly fund investment of this family is a very good investment method. As a long-term investment, it provides a foundation for the future education of children, the pension expenses of the elderly and the improvement of the couple's future quality of life. With the increase of income, the monthly investment amount can be increased to meet different needs. As a future income source of the family, investment must be adhered to.

at the same time, with the expectation of interest rate reduction, it is suggested that the deposit of 2, yuan, as a family reserve, be deposited as a semi-annual fixed deposit and 1, yuan as a one-year deposit, which has both liquidity and profitability.

after adjustment, the insurance cost will increase, and 5-8 yuan of the annual balance can be used to increase life insurance and endowment insurance. 2, yuan for deposit, national debt or fund investment. The remaining 3,6-6,6 yuan can improve life, buy clothes or household appliances for family members or relax the whole family.