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Chapter 37 Different types of family financial planning (2)
Mr. Zhang and his wife plan to retire after 25 years, and hope to have a monthly household expenditure of 30 yuan per month within 40 years after retirement, arrange a travel plan every year, and live a life of above-average level in their later years.Assuming that the inflation rate is 2%, and the return on investment after retirement is 4%, the monthly expenditure with a present value of 40 yuan is equivalent to 25 yuan in 6562 years.It is estimated that both parties can receive a pension of about 40 yuan after retirement, and the pension gap is 2592 yuan.Taking into account inflation, the real investment rate of return after retirement is only 2%.Therefore, in order to ensure a well-off retirement life for 30 years, a pension of 70 yuan must be prepared when retirement comes.According to the expected return on investment of 52% and the investment period of 22 years, the monthly investment is 1426 yuan.Considering the long-term nature of retirement planning, it also has greater flexibility, so it is possible to make long-term investment plans and invest in products with relatively high risks and returns.

[-]. Investment planning

In the previous analysis of Mr. Zhang's family financial situation, it was found that the allocation of existing family assets is too concentrated and single, and the profitability is not high.The current average deposit income is about 2%, while the stock investment income has been falling continuously in the past two years, running at a low level for a long time, and the risk is quite large.In order to achieve the above family financial goals, it is necessary to make some adjustments to the investment portfolio.

According to the evaluation of the risk ability and risk attitude of Mr. Zhang and his wife, Mr. Zhang and his wife have a medium-to-high risk tolerance and a moderate attitude towards risks.Therefore, current assets and future savings can be rearranged to achieve higher expected returns.According to the evaluation results of risk attributes and the planning of family financial goals, it is recommended to allocate assets in the following proportions: 5% of current deposits, 20% of RMB wealth management products or currency funds, 20% of bonds, and 55% of partial stock funds or stocks.The return rate of each investment is expected to be 058% for currency, 25% for RMB wealth management property or currency fund, 4% for bond, and 7% for stock fund or stock.The portfolio returned 52%.In particular, according to the evaluation of the risk attributes of Mr. Zhang and his wife, the proportion of high-risk high-yield investment can reach up to 70%.However, the allocation of risky assets in this asset portfolio currently only accounts for about 55%. This is because considering the current long-term downturn in the stock market and the fact that there are not many high-return investment products in the market, we recommend that this category be appropriately lowered for now. investment ratio.Therefore, the expected return on investment of this portfolio is relatively conservative.With the future recovery of the stock market and the increase of high-yield investment and wealth management products, flexible adjustments can be made to increase the return on investment of assets.

"Zhun-Dink" families will face the heavy burden of child support, education funds and housing loans in the near future. They are small families with no immediate worries but far-sightedness. It is very necessary to plan early in order to achieve the financial management of all families. Target.

20, 30, 40 years old, single family financial management is different
November 11, Singles' Day.As bachelors celebrate the wonderful life of freedom, do they think about the future?Being single is cool when you are going well, but you may face helplessness when you are in trouble.According to foreign surveys, the per capita wealth accumulation of married people is usually higher than that of single people. There is often a "balance of payments mechanism" in a healthy marriage, which encourages both husband and wife to arrange reasonable financial plans and often review the family income and expenditure situation - this is It is also a problem that single people must face up to.The three financial management cases in this article may give some inspiration to singles of different ages.

One, 20 years old

1 A two-pronged approach to throttling expenditure and increasing income

Character introduction: Xiao Wang, 23 years old, graduated for one year, engaged in financial work in a state-owned enterprise.

Financial status: The average monthly income is 30 yuan, and the bank deposit is 2 yuan. Now the average monthly living expenses are 25 yuan, and the monthly savings are 5 yuan.

Thinking about financial management: He wants to buy a two-bedroom house with a mortgage before the age of 30. How should he invest in financial management to achieve his goal?

2Financial planning - throttling: increase the monthly savings ratio
From the perspective of expenditure, Xiao Wang belongs to a relatively high consumption group, and the accumulation of savings of 5 yuan per month only accounts for 1/6 of his income.If he plans to buy a house in five years, he will have to "take a two-pronged approach" in controlling consumption and investing in financial management.Xiao Wang should first change his concept of financial management and focus on wealth accumulation.It is suggested that without affecting the quality of life, it is more reasonable to increase the proportion of monthly savings to monthly income, at least about 5%, that is, to save 50 yuan per month.

3 Open source: down payment for stock funds to buy a house
Secondly, you can invest in funds and use experts to manage money.More suitable for Xiao Wang are stock funds and money market funds.Stock funds can share the benefits of long-term economic growth, suitable for medium and long-term investment, and improve the ability of family accounts to make money.Money market funds have the safety and convenience similar to current savings, deposit and withdraw at any time, and there is no handling fee, but the income is much higher than current savings, currently around 22%, while the after-tax interest rate of current savings is only 057%.

In terms of asset allocation, it is recommended that Xiao Wang invest the existing 2 yuan deposit in stock funds, and 15 yuan per month can be used to buy money market funds, and then regularly convert to stock funds in proportion, using compound interest rolling investment methods.Through such gradual accumulation and investment, Xiao Wang will be able to own assets of nearly 5 yuan in 7 years, based on an annual rate of return of 20%, and the down payment for such a small house will be enough.

Two, 30 years old

1 The investment is more courageous

Character profile: Mr. Zhou, 31 years old, is a technical backbone of an IT company.

Financial status: I have 11 yuan in bank deposits, 2 yuan in stocks, and a monthly income of 90 yuan. Now my monthly expenses are around 50 yuan.

理财思考：一年后参加在职硕士课程，预算2万元；两年后买一部价值10万元的车；3年后买一套房子；每年给父母赡养费50元；每年自助旅游一次，费用50元。

2Financial planning - 1 yuan for current emergency

Mr. Zhou likes prudent investment and expects an average annual rate of return of around 5%.It is suggested that he make the following arrangements for the existing assets: 1 yuan current deposit as an emergency fund; 2 yuan as a one-year time deposit to meet the needs of on-the-job education after one year.

余下的10万元作为车基金和房基金的初始储备，对该笔基金投资分配安排为：存款55％、债券10％、基金25％、股票10％。

32% accumulated gambling income
根据周先生的理财目标和自身情况，建议他每月开销减到35元，加上每年50元孝敬父母、50元旅游支出、60元购买保险后，他108万元的年收入还剩余5元。

This part of the funds is used to add car funds and housing funds. According to Mr. Zhou's income and career prospects, the investment can be more bold.

建议将上述投资比例调整为：存款45％、债券10％、基金25％、股票20％，即储蓄225元、债券50元、基金125元、股票1元。加重股票投资比例后，这笔可能实现较高收益的财富积累可在将来用于弥补车、房基金可能的不足，还可以满足以后结婚等或其他新增理财目标的需要。

40. [-] years old

1Single-parent families prepare for a rainy day
Character profile: Ms. Zhang, 40 years old, works as an administrator in a company, with a monthly income of 35 yuan.Divorced last year, raising a daughter who is in the fourth grade of elementary school.

财务状况：108平方米的住房，贷款还剩10万元、期限6年。前夫每月支付女儿7元抚养费。个人资产主要是4万元的银行定期存款和1万元的凭证式国债。

Thinking about financial management: The monthly daily expenses are about 20 yuan, and the repayment of the housing loan is 17 yuan. This is too much pressure, and the daughter's education expenses are also on the rise.She plans to dispose of the existing house and rent it temporarily or change to a smaller house.

2Financial planning—the pressure on deposit and loan repayment is greatly reduced

Ms. Zhang's financial management method was too safe, resulting in "negative returns".While paying the interest on the housing loan, she deposits the money in the bank to enjoy a low interest rate of about 2%. As a result, she loses 15 yuan in financial management every year.

Ms. Zhang is now under a lot of pressure to repay the loan, so she can carry out appropriate "decompression": withdraw the 5 yuan time deposit and national debt in her hand in advance, and use it to repay part of the loan in advance.After the adjustment, Ms. Zhang's monthly repayment amount will be reduced by half, and the family pressure will be greatly reduced.

3Education savings interest rate is dominant
Although the pressure of repaying the loan has eased, the pressure of life, children's education, etc. is still very heavy. Therefore, it is necessary for Ms. Zhang to manage the follow-up income scientifically, and actively seek to maintain and increase the value of family wealth on the basis of pursuing a relatively safe basis.At present, Ms. Zhang lacks long-term planning for follow-up income.If Ms. Zhang does not actively convert all kinds of income into high-yield investments, based on the current income level, saving capacity and considering the inflation rate, I am afraid that she can only live on porridge when she retires.

Ms. Zhang might as well handle education savings for her daughter.Education savings have the advantage of preferential interest rates. The 1-year and 3-year education savings are calculated at the same level of lump sum time deposit interest rate, and the 6-year period is calculated at the 5-year lump sum time deposit interest rate. It can be said that it is zero deposit The lump sum deposit method, but enjoy the lump sum deposit interest rate.At the same time, education savings are exempt from interest income tax. If the interest rate difference of the preferential interest rate is added, its income is more than 25% higher than other savings of the same level.Ms. Zhang can open a 6-year education savings account for her child, saving 270 yuan a month. When she goes to college, the principal and interest of more than 2 yuan can be put to good use.

(End of this chapter)