2011年10月28日
finance and economics
The young husband and wife manage finance and economics
I am 29 years old this year, the wife is also 29 years old, and the daughter is 1 year old.2 husband and wife order small business, month income 10000 dollars is or so, the income stabilizes and there is a set of merchandise building, and the city is worth 800,000 dollars.Main expense that day often the family expend with car.iPhone all-powerfulThe small car is a , the year expense is about 16,000 dollars.The home life monthly expenses is about 2500 dollars.Having already deposited 70,000 dollars currently is periodical, the fund certainly throws monthly 500 dollars the etc. don't for a year throw.2 husband and wife all have been already cured to protect, didn't purchase other insurances and had no investment and had no foreign loan.
Manage finance a target:
1.The funds protects a value and perfect funds investment;
2.The plan raises a kid to will grow up in the future, education funds and annex perfect guarantee insurance programming;
3.Other such as investment programming, retire to enjoy life a programming, perfect insurance etc. finance mangaing target how carry out?
Manage finance analysis: USB the wireless
The family's property mainly has house current value the 800,000 dollars, automobile and appliance current value are 130,000 dollars and deposit 90,000 dollars, fund current value 6,600(certainly throw monthly 500 dollars the etc. don't for a year throw, if investment rate of return is 10%), the property adds up 1,026,000 dollars and has no liabilities, clean property is 1,026,000 dollars.That family husband and wife the year income add up 120,000 dollars, the year expends 30,000 dollars, and the year is surplus 90,000 dollars.
On the Zong say, wait level in that family income, expenditure reasonable, the saving rat is up to 75%, can see that family consumption be used to good, finance mangaing's programing flexibility is bigger.The family has no foreign loan, the adequacy increment liabilities can accelerate a property growth speed.Shortage of the place still has a low investment property, structure one, living an interest property little, make a profit ability worse.
Manage finance a suggestion:
1.Invest a programming
In consideration of the family daily expenditure, should prepare at least before doing a sound investment programming home life for 3 month fee about 7,500 dollars is to meet an emergency back up gold and withdraws from the existing current account.Suggest according to every month of must expend 2,500 dollars as unit, the wrong period circularly saves for periodically saving of 3 monthses.This since promised liquidity, and then obtained to is many incomes than the current.In addition to the back up gold is outside existing to deposit 80,000 dollars, can re- carry on adjustment and suggest to purchase a bank finance mangaing product and make profit the treasure series finance mangaing product such as the transportation bank, the income stabilizes, 3 turn the tallest 5.2% in rate of return month year, 50,000 sell, far far high in three months time deposit income.
2.Educate a gold programming
The domestic practices for nine years currently, compulsory education, anticipate a primary school to educate expenditure annually on the average about 1000 dollars, the junior high school is 1200 dollars.The senior high school starts to hand over school fees, expenses in the point high school then is a little bit expensive, generally expensive 500 dollars, calculate up other expenseses, education gold of the general senior high school is expenditure's 3000-5000 dollars in every year.University education is the main battlefield that educates an investment.If is a public university undergraduate course,video frequency generally yearly school fees mostly in 5000-6000 dollars, moreover calculate living expenses to wait other expenseses, educate gold expenditure at least in every year 20,000.According to reading the Doctor calculates:The demand general expenses of national university is 188600 dollars, the people does the demand general expenses of university 228600 dollars.According to 6.5% inflation rates, take no account of income growth rate, convert into cash a result about 500,000 dollars.
According to the family's actual circumstance, there is 90,000 dollars or so clean income annually currently.The suggestion takes out 1| to save 22,500 dollars to be sons and daughters for 4 years education gold preparation, purchase one to educate insurance or fund combination to settle hurl to carry on a reasonable arrangement in advance.It is 6.5%(conservative estimate, win the inflation at running) according to the investment rate of return, probably can provide education gold as 500,000 dollars after 15 years.
3.Retire to enjoy life a programming
The family's husband and wife have no agency to protect old age pension, the old age pension plans and prepares to seem to be is importance.After 30 years, if want to maintain to retire an ex- living standard, act for a rate to attain above 70% at least, as a result need to be early carry on retiring to enjoy life a programming.Retire subsequence continuously and live for 25 years according to consuming level currently, if the inflation rate of the year is 6.5%, the year is rate of return 9%, the conservative estimate old age pension prepares above 2,000,000 dollars , from now on, prepares 16,000 at least annually, can immediately pass to purchase annuity insurance or insist certainly throwing 1500 dollars monthly, the investment rate of return is 9%, the square can carry out.
4.The insurance programs
2 husband and wife all have been already cured to protect, didn't purchase other insurances and guaranteed degree low.Suggest now the husband and wife purchase the business insurance increment risk guarantee, can guard against future family risk.Make use of the insurance"double ten principles", then purchase with 10% of the income in year 1000% protect the insurance of sum, according to this principle, that family can annex 1200 dollars insurance fee annually and pass to purchase an insurance combination, such as lord insurance annuity insurance, additional accident insurance, and surprised heavy disease insurance...etc., so the insurance fee is opposite and worthwhile, can satisfy a family guarantee in the meantime as well need.
I am 29 years old this year, the wife is also 29 years old, and the daughter is 1 year old.2 husband and wife order small business, month income 10000 dollars is or so, the income stabilizes and there is a set of merchandise building, and the city is worth 800,000 dollars.Main expense that day often the family expend with car.iPhone all-powerfulThe small car is a , the year expense is about 16,000 dollars.The home life monthly expenses is about 2500 dollars.Having already deposited 70,000 dollars currently is periodical, the fund certainly throws monthly 500 dollars the etc. don't for a year throw.2 husband and wife all have been already cured to protect, didn't purchase other insurances and had no investment and had no foreign loan.
Manage finance a target:
1.The funds protects a value and perfect funds investment;
2.The plan raises a kid to will grow up in the future, education funds and annex perfect guarantee insurance programming;
3.Other such as investment programming, retire to enjoy life a programming, perfect insurance etc. finance mangaing target how carry out?
Manage finance analysis: USB the wireless
The family's property mainly has house current value the 800,000 dollars, automobile and appliance current value are 130,000 dollars and deposit 90,000 dollars, fund current value 6,600(certainly throw monthly 500 dollars the etc. don't for a year throw, if investment rate of return is 10%), the property adds up 1,026,000 dollars and has no liabilities, clean property is 1,026,000 dollars.That family husband and wife the year income add up 120,000 dollars, the year expends 30,000 dollars, and the year is surplus 90,000 dollars.
On the Zong say, wait level in that family income, expenditure reasonable, the saving rat is up to 75%, can see that family consumption be used to good, finance mangaing's programing flexibility is bigger.The family has no foreign loan, the adequacy increment liabilities can accelerate a property growth speed.Shortage of the place still has a low investment property, structure one, living an interest property little, make a profit ability worse.
Manage finance a suggestion:
1.Invest a programming
In consideration of the family daily expenditure, should prepare at least before doing a sound investment programming home life for 3 month fee about 7,500 dollars is to meet an emergency back up gold and withdraws from the existing current account.Suggest according to every month of must expend 2,500 dollars as unit, the wrong period circularly saves for periodically saving of 3 monthses.This since promised liquidity, and then obtained to is many incomes than the current.In addition to the back up gold is outside existing to deposit 80,000 dollars, can re- carry on adjustment and suggest to purchase a bank finance mangaing product and make profit the treasure series finance mangaing product such as the transportation bank, the income stabilizes, 3 turn the tallest 5.2% in rate of return month year, 50,000 sell, far far high in three months time deposit income.
2.Educate a gold programming
The domestic practices for nine years currently, compulsory education, anticipate a primary school to educate expenditure annually on the average about 1000 dollars, the junior high school is 1200 dollars.The senior high school starts to hand over school fees, expenses in the point high school then is a little bit expensive, generally expensive 500 dollars, calculate up other expenseses, education gold of the general senior high school is expenditure's 3000-5000 dollars in every year.University education is the main battlefield that educates an investment.If is a public university undergraduate course,video frequency generally yearly school fees mostly in 5000-6000 dollars, moreover calculate living expenses to wait other expenseses, educate gold expenditure at least in every year 20,000.According to reading the Doctor calculates:The demand general expenses of national university is 188600 dollars, the people does the demand general expenses of university 228600 dollars.According to 6.5% inflation rates, take no account of income growth rate, convert into cash a result about 500,000 dollars.
According to the family's actual circumstance, there is 90,000 dollars or so clean income annually currently.The suggestion takes out 1| to save 22,500 dollars to be sons and daughters for 4 years education gold preparation, purchase one to educate insurance or fund combination to settle hurl to carry on a reasonable arrangement in advance.It is 6.5%(conservative estimate, win the inflation at running) according to the investment rate of return, probably can provide education gold as 500,000 dollars after 15 years.
3.Retire to enjoy life a programming
The family's husband and wife have no agency to protect old age pension, the old age pension plans and prepares to seem to be is importance.After 30 years, if want to maintain to retire an ex- living standard, act for a rate to attain above 70% at least, as a result need to be early carry on retiring to enjoy life a programming.Retire subsequence continuously and live for 25 years according to consuming level currently, if the inflation rate of the year is 6.5%, the year is rate of return 9%, the conservative estimate old age pension prepares above 2,000,000 dollars , from now on, prepares 16,000 at least annually, can immediately pass to purchase annuity insurance or insist certainly throwing 1500 dollars monthly, the investment rate of return is 9%, the square can carry out.
4.The insurance programs
2 husband and wife all have been already cured to protect, didn't purchase other insurances and guaranteed degree low.Suggest now the husband and wife purchase the business insurance increment risk guarantee, can guard against future family risk.Make use of the insurance"double ten principles", then purchase with 10% of the income in year 1000% protect the insurance of sum, according to this principle, that family can annex 1200 dollars insurance fee annually and pass to purchase an insurance combination, such as lord insurance annuity insurance, additional accident insurance, and surprised heavy disease insurance...etc., so the insurance fee is opposite and worthwhile, can satisfy a family guarantee in the meantime as well need.
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