JINGWAH times [micro-blog] readers of Ms. Zhao and her husband opened a file,diesel jeans outlet sale, every month in addition to daily living expenses about 8000 yuan can be controlled, two parents of parents for one year income of a few million yuan do not have to pay for their living expenses, the son's living expenses are also responsible for the elderly.
couple do not have a little concept of financial management, want to buy funds or bank products do not know very well, afraid of hard to earn money to pay in, want to ask the manager to recommend funds or bank products, according to the actual situation of the family to Ms. Zhao some financial suggestions.
[financial advice]
requirement 1: guarantee
buys lifetime insurance with major disease protection functions.
suggested that 10% of the annual household income should be insured,hugo boss clearance. The insurance of major diseases is the best for life. It is best to have commercial insurance that can be converted into annuity function in later years,Tommy Hilfiger Clothing. Two couples are family economic mainstay. It is suggested that each person be insured to prevent major diseases from causing devastating financial pressure on family finances.
requirement two: investment
adopts the way of fund allocation to diversify risks and reduce costs. Regular investment, fixed date and amount of monthly purchase fund, because it is regular buying, can accumulate low price in the bear market, bull market speed up profit, avoid risk.
husband and wife can't lose money and money. It is recommended to use a disposable balance for a month on a regular basis, and the deposit due every month for the next year. The monthly deposit interest is always used as the principal of the monthly fixed investment fund.
has a minimum purchase amount. It can initially invest in a domestic stock fund with stable growth and good growth. As a result of the annual increase in monthly income, the deposit will increase, and the interest rate increases in second years. By the beginning of the year, the fixed amount can be raised,Cheap Ed Hardy, and an overseas stock index fund (QDII) can even increase the risk of dispersing the domestic A stock.
requirement three: expand the operation of
can save money to expand business or create another source of income. It is estimated that up to tenth years, the total assets of fixed deposit deposits plus investment funds should be about one million. Ten years later, the investment capital plus income should have a certain scale, and redemption can be redeemable for some stock funds and bond funds to concentrate on fixed deposit, which can be deposited into five - year treasury bonds and bank short-term financial products on a proportional basis. In this way, both revenue and flexibility will be able to withstand inflation and assets will steadily increase.
guidance expert: CCB Beijing individual customer manager of Guang Qu Wai Street Branch, Jiao long JINGWAH Times reporter Gao Chen