[financial case]
Sheng, 40 years old, is a production director of an air conditioning enterprise in Chengdu. His monthly income after tax is 15 thousand yuan, without any commercial insurance. Sheng also owns 20% of the air-conditioning company. With the increase of company's net profit, there are basically about 300 thousand yuan dividends each year. His wife is 36 years old. He is a high school English teacher. His monthly income after tax is 6000 yuan. He usually makes up classes for students, and his monthly income can reach 8000 yuan. Mr. and Mrs. Sheng have a 15 year old daughter who is studying in grade three. The cost of learning is about 10 thousand yuan a year, and the annual daily expenditure is 80 thousand yuan. Cash and current deposit 150 thousand yuan, bank financial products 100 thousand yuan, stock 400 thousand, and a car worth 200 thousand yuan.
Sheng's family has a two bedroom apartment worth 1 million yuan, and there is no home loan. Mr. Sheng feels a bit small for this apartment and plans to change to a three bedroom apartment. At present, a three bedroom apartment in the area will cost 1 million 800 thousand. How to change houses during the year may be a little tight. Want to consult the famous third party financial institutions Jias Reed financial planner how to manage money better?
[financial goals]
in 1 years to replace the 200 - thousand three bedroom apartment
[case analysis]
according to the financial situation of Mr. Sheng's family, the Reed financial manager of jiaxon analyzed the monthly income of Mr. and Mrs. Sheng for 23 thousand yuan, and the pressure on life was not very big in Chengdu, and the income was relatively rich. Plus Mr. Sheng's annual dividend of 300 thousand yuan, with an annual income of nearly 600 thousand yuan. But the family's annual expenditure of 80 thousand yuan,columbia jacket, the child's annual learning cost about 10 thousand yuan,Buy Wholesale Clothing, and the deposit and investment funds about 600000 is not much,Juicy Couture, to buy 2 million yuan in the house in the year, funds really some tension. Therefore, Jiefong Reed financial planner suggested that during the year, the couple would try to save money to buy a house, first save the first payment for the purchase of the house, and the remaining housing fund should be funded by provident fund.
[financial advice]
comprehensive analysis of the financial situation of Mr. Sheng's family, and combined with financial goals, the Reed financial manager of jiaxon believes that the main task of Mr. Sheng and his wife is to save money to buy a house,bcbg maxazria mall, and give the following suggestions for investment and finance, which can help Mr. Sheng to replace the three bedroom apartment in the year of his family.
1, reserve reserve, monthly balance for fixed deposit
Sheng's family usually first has to make a reasonable consumption. Next, we should prepare 3-6 months' reserve fund for the family, that is, 30 thousand yuan. I'll take out 10 thousand yuan as a child's tuition fee for one year. The remaining 110 thousand yuan cash and current deposits can be properly invested, for example, through the subscription of jiaxon Reed for the fixed yield products like Yisheng Yisheng treasure, the annual rate of return is 10%, and the investment of 100 thousand is 11 thousand yuan in 1 years. Secondly, Mr. and Mrs. Sheng earn 23 thousand yuan a month, deducting the monthly expenditure of 8000 yuan, the monthly balance 1.>