Weekend, Lu Jieming (a pseudonym) as usual, and He Xiaobing (a pseudonym) dating. 17:00, Lu Jieming driving a private car Mercedes-Benz on the road in the past, his mind is in imagining how Xiaobing do what few vegetables, open a bottle of what wine, indoor floating music the hh
19:00, Lu Jieming enter Xiaobing HO cabin door gave He Xiaobing an affectionate hug hh see this scene, an outsider must thought it was a pair of lovers on a date, it is not true, Lu Jieming He Xiaobing a couple married for two years.
when a large number of unmarried persons interested in cohabitation, there are some married marital separation. aged 30 of Lu Jieming solo family. Lujie Ming and his wife, now 27 years old, where Xiaobing has been married for two years, during the past two years, Lu Jieming work, Xiaobing He, marriage, we are not willing to easily give up their own hard of career, had played the advertising company, after-tax annual income of about 50 million. Lu Jieming in the house before the wedding to buy their own planning department of a foreign company, any director, his wife, He Xiaobing in a monthly salary of 12,000 (before tax), wife after marriage own contribution bought a One Bedroom second-hand housing. Both are a relaxed state. people only come together on holidays, usually on the phone or Internet for Solution the pain of Acacia, two monthly phone bills are more than 300 and now they get married more than two years, Lu Jieming think and his wife is still in a feeling of love. In this regard, He Xiaobing shared them together, many things are not willing to do in his face, afraid to undermine its own image. solo life, they really enjoy. To fall in love every day, but do not meet every day, only needs the irresolute sorrowful lingering, never to daily necessities, have a common life experience, not use the common room hh Lu Jieming couples often this old song to describe their happy life. < br> Lu Jieming couple the two not only to live separately, with two financial fragmented, each weekend together this time you spend, the next turn to each other for each other’s financial details are generally not be to intervene, but the two sides much money nor does it bother telling, and sometimes ask how much you saved? Lujie Ming and his wife have their own coffers, clear property rights things for the money, never in conflict.
Although Lu Jieming couple has not yet moved to the intention of living together, but both parents are looking forward to breakfast grandchildren, they also do not want to hurt the old man’s heart that it intends to add a baby three years later at home. Lu Jieming couples want two people to end the solo life, He Xiaobing back to help her husband to take care of the advertising company, will be unified to financial management. Lujie Ming and his wife before are living similar to the single life, the financial unified planning and management. For three years after the general couples to live a life, to which two people do not have full grasp of logistics financial future.
in December 2, Lu Jieming recourse to Articles hotline to require publication according to the special circumstances of the couple, looking for a financial expert, a set of financial planning for the couple to do a three-year period, in order to smooth over a three happy life.
At present, Lu Jieming and his wife, He Xiaobing financial position as follows:
Lu Jieming in Tianhe District, 2003 to buy 98 square meters Bedroom house, house prices of 62 million, first to pay 50% mortgage 10, 2000 monthly contributions, there are currently 200 turbotax,000 savings, there are five 80 thousand of treasury bonds, a $ 180,000 private cars. Lu Jieming each to the parents of 2,000 , the monthly expenditure of 5000 . In addition, Lu Jieming social insurance and any other commercial insurance. He Xiaobing One Bedroom in the Nanshan District, second-hand housing, an area of 38 square meters Rates 26 million lump sum her bank deposit of 80,000 , 3000 per month expenses. He Xiaobing foreign work, welfare is very sound, with full insurance.
Lujie Ming and his wife, He Xiaobing financial management The requirements are as follows: early
1,2009, 30-year-old He Xiaobing resignation back quicken 2012, intend to have a baby. estimated that at least 2 can not work. Lu Jieming ready re purchase Sanshiyiting, house to buy a new home after , Xiaobing Lu Jieming and how their house will be how to deal with?
2, the baby was born after the baby from birth to elementary school for up to 7 time cost of raising gold to $ 30 million education payments, and a reasonable insurance plan designed for him.
3, Lu Jieming do not have any insurance, the standing of he had a good plan for their own health and pension, He Xiaobing appropriate to vote some commercial insurance.
4,3 Lujie Ming and his wife, Financial Consolidation, the hands of the savings will increase, Lu Jieming couples want to make other investments.
financial plan is one of
Chu Peiqiang
independent financial planner, the experience of the many financial, professional financial management experience, specializes in family financial planning and fund investment and comprehensive risk protection, set up his own investment banking team. long served as executive vice moderator of the site financial topics , 490,000 to raise a child rich romantic feelings to enjoy family life, indeed, Yan Mu
to give the family the next three to do a proper financial plan from the foundation started.
first to take stock of the family assets and liabilities and cash receipts and payments:
(1) family balance sheet: (Unit: RMB) Lu Jieming: the balance of the
He Xiaobing:
Lu Jieming:
He Xiaobing:
the Cash and deposits
of 200,000
80,000
the liabilities
—-
—-
government bonds
80,000
—-
- -
—-
—-
current assets Subtotal
280,000
80,000
—-
—-
- -
from the housing total
620,000
260,000
home mortgage
3,335 / month
private car
180,000
the —-
mortgage < br> the the —-
—-
insurance and welfare
, the —-
social security
premium
—-
—- < br> Subtotal of fixed assets
800,000
260,000
debt small meter
40,020 /
Total fixed assets
the 1,060,000
total debt
to 40,020
Total assets
the 1,420,000
net assets
of 1,380,000
(2) Total cash flow statement: (Unit: RMB)
income and expenditure Lu Jieming,:
may Xiaobing:
, Ruggie :
He Xiaobing:
income
500,000
140,000
living expenses
60,000
, 36,000
non-fixed income
—-
- the -
honor their parents
24.000
—-
rental income
the —-
—-
housing mortgage
40,000
- live of —
assets premium expenses
6000
1500
—-
—-
income Subtotal
506,000
141,500 Subtotal
spending
124,000
36,000
income the total
647,500
expenditures total
160,000
* 300 communication costs include the expenses of daily life
savings Total
487,500
Note: the assumed interest-earning income on the average rate of return of financial assets (%): 0.018 of bank deposits, IMF 0.02, partial debt fund 0.03 partial shares of Fund 0.05 0.05 of the closed-end funds, ETF0 .03, treasury bonds 0.03, 0.04 of the corporate bond, convertible bonds 0.02 stock 0.04, 0.05
trust products from the above two tables we can see that Mr. Lu and his wife, financial, whether separate or merge, there are two obvious characteristics : a higher proportion of income and expenditure savings (75%) and asset-liability ratio is very low (less than 3%). This shows that the two families manage their money very well, very strong financial risk better ability to withstand uncertain. if to maintain the current status quo, the three family total savings of about 1.46 million, plus 360,000 savings in the current total assets of a total of 1.82 million, there are two of about 90 million of fixed assets (not considering interest-earning and inflation during the income growth and asset ).
LU family’s financial goals to three after his wife returned to purchase a new house, birth baby, reserve the child’s nurturing gold, reasonable full risk protection plan arrangements for the family, there are existing homes is how to dispose of and carry out other investment.
our first financial goals to be a quantitative analysis: the purchase of new homes
three assume a total amount of 1.2 million of mortgage is best not to over half of the family situation of the LU, coupled with the renovation and purchase of adaptation new families in need of furniture, do the same assessment the first phase of investment should be not less than 800 000.
fertility baby is not just one day delivery, now home to the expectations of their children and the attention on the family’s future, making the current hospital gynecological steadily rising costs, coupled nursed back to health before pregnancy, prenatal prenatal care, postpartum enlightening input, so do not prepare more than one hundred thousand not enough to free from anxiety, and infant and early childhood education is very important, each family do not want their children at the starting line others, the cost of so invested in breeding and training of children who lost approximately 300 000.
insurance is necessary for the modern family, and now the family is getting smaller and smaller, increasingly weak sense of kinship and mutual assistance, which requires more and more dependent on social mutual aid organizations, insurance is the most common and easy to get a group mutual help based on the conventional spend 10% of income you can receive the necessary protection and risk transfer, this expenditure for the LU family about 80000 can
two, the financial planning recommendations:
Based on the above analysis, the LU family we give financial planning advice. risk protection plan
:
LU as the family’s main income sources of those (78% major) responsibility to be hard work, good company business and accumulate wealth for the future happiness of life, but also support for the elderly, weekly between Guangzhou and Shenzhen, two hours drive. many responsibility to one of him, there is no purchase of any commercial insurance, basic social insurance, which is very inappropriate and suggested that the LU to buy a new life m - universal insurance, the biggest feature of this insurance is to lower rates, flexible protection, according to the different stages of life responsibility, risk and economic conditions to adjust the security projects, such as higher and lower and this sum will pay more pay less premium, or even stopped paying premiums of certain, but does not affect the effectiveness of the life insurance and additional protection insurance (as long as your policy account sufficient to cover the costs of basic security can), then additional major diseases, injuries and health care insurance. temptation of modern society, more and more, the pressure is also growing, more and more abundant food, more and developed a variety of convenient but a variety of risks, but also go hand in hand worrying, especially for the private owner of their own business such as the LU the need for a guarantee the full and accompanied by life-long insurance is recommended that the life insurance amount of 1.2 million, accidental damage protection 1.5 million, special accident Double Payout 300,000 of the major diseases can also attach some class of hospitalization subsidies and hospital expenses, compensation insurance premium is probably less than 50,000 can
Madam Ho Xiaobing comprehensive social insurance, but we all know, social security insurance without package, insurance rather than whole, especially the geometric Ms. facing fertility problems, maternal as a high-risk groups will be faced with many risks, with a comprehensive business protection scheme is necessary. recommendations purchase of a participating insurance, payment of 20, lifetime guarantee, the amount recommended for the 800 000 additional special care of women’s health, major diseases, health care, and accidental injury protection premiums should be about 30000.
LU as business operators and the pillars of the family, in fact, should be aware of more financial enterprises and family-friendly arrangements. For example, under the conditions permit should be for themselves and their employees to social insurance, social security, although it can not solve all problems, but also social a fundamental part of the security system, plays a significant role in stabilizing the workforce and improve the team a sense of belonging, followed by recommendations LU to consider buying a business group insurance, commercial insurance is purchased by the enterprises as the mainstay, the actual premiums low to guarantee the full on work-related injuries , unexpected, out-patient often made medical malpractice is a good solution, the average person on a quarterly basis over one hundred, we can solve the employees elsewhere to work out the worries of doctors and patients seek refuge with nowhere to turn. and can be joint and several family members with protection, employees’ families, multiple care.
future after the baby is born, as early as possible for their medical insurance to buy a health plan, which is a consumer-oriented insurance products, the average cost per day only 1-3 you can have including injuries and medical costs for outpatient and inpatient medical expenses, and other support has not been established because the baby leaves the mother after their own health system, the immune system is weak, a fever or fall injury is the first time is needed to carry out careful treatment, and serious need for hospitalization, comprehensive and reasonable protection project in the future child’s health is not affected by the impact of the financial problems after the three home ownership vision:
the LU household income, each savings a lot of money to remove the new family security system charges after three total household savings should be about 1.6 million, then come up with 800,000 to purchase a new house problem is not great joy of the New Life House Note
