1. The annual fee is 15,000 yuan, which is equivalent to a rigid monthly expenditure of 1,250 yuan. If the principal of 80,000 yuan can generate an income of 18.75%, it can cover the annual fee of the child. Then it is recommended to buy a bond fund or a brokerage collective financial management product. Note that it must be a bond-type financial product. We recommend Everbright Securities’ Sunshine Steady Tianli, ICBC Tianyi Bond, Southern Duoli Enhancement, GF Juli, etc. The income of these bond products is expected to be around 20% this year. Calculated based on an annual income of 15%, the expected interest on the principal of 80,000 yuan is 12,000 yuan, and the monthly required expenditure is 250 yuan, and the annual cumulative** *3000 yuan. Of course, this investment needs to be adjusted in a timely manner, and it is not possible to achieve a return of around 15% at any time. And, crucially, principal security is required.
2. Monthly living expenses (assuming no rent) are calculated based on monthly household expenses of 3,750 yuan, initial needs of 250 yuan, and cumulative monthly fixed expenses of 4,000 yuan. I don’t know much about the price level in Suzhou, but I estimate that the average daily expenditure of a family of four is about 125 yuan. Please explain if you are overspending. Calculated based on the above situation, the monthly balance is about 3,000 yuan. It is recommended to fix 1,500 yuan per month to make a fixed investment product portfolio. The combination recommends GF Securities' "Beautiful Well-off" house purchase plan. The fixed investment portfolio period is set to 5 years, with an annual return of 10%. Calculated, the total principal and interest after 5 years will be 120,880.98 yuan. Calculated with 30% down payment for a house worth 350,000 yuan, 105,000 yuan will be required. If you need a down payment of 40%, choose to invest for 6 years. It is estimated that the total principal and interest after 6 years will be about 152,769 yuan. A 40% down payment requires 140,000, which is enough to cover the down payment. In the same way, if you need to pay 50% of the down payment, postpone it for another year, which is enough to pay the down payment of the house.
3. Make a fixed investment of the remaining 1,500 yuan in a currency fund. On the one hand, currency funds are more flexible, similar to current savings, but the income is equivalent to regular, and you can cope with unexpected expenses at any time. In addition, it is also for the future after 5 years. Prepare for monthly mortgage payments. Calculated based on the current average income of monetary funds of 3.8%, the total amount after 5 years will be 100,794. Calculated based on the 10-year mortgage repayment plan, I personally think that the total amount is not large, and there is no need to choose 20 or even 30 years. Calculated based on 10 years of repayment, the monthly loan repayment is about 2,820 yuan, which is exactly the balance of your monthly salary. You can choose to repay it with your salary, or you can use the fixed investment principal of a monetary fund to repay it. The principal of 100,000 is enough to repay the loan for 35 months, which is about 3 years.
According to the above method, you can buy a house in 5 years and still have a balance of at least 180,000. Of course, you can also use the 100,000 yuan fixed currency investment to pay the down payment. In this way, the amount of your loan will be much smaller. You will pay about 1,100 yuan less on the mortgage every month, and you can save more than 30,000 yuan in total. However, I personally do not recommend this operation. . With one hundred thousand in hand, you can handle more things. At the same time, if you operate it properly, you can also generate higher income and make up for some of the mortgage pressure. If done correctly, it can even cover your mortgage.