Do \"Dink\" is a family of three financial

I, 33 years old, working in a business, his wife is a teacher, and I am of an age. Our \"second world\" recorded around about $ 8,000 a month. In addition to a loan of $ 200,000 (30) buy a 120 square-meter house loan $ 960 per month, we had no other external debt. We have a $ 200,000 car, car also comes with a $ 150,000 worth of garage. In addition, home books about 100,000 yuan and 50,000 Hong Kong dollars. Of course, we don\'t want to do \"Dink\", they are prepared to be a baby in the near future. To become a father, I did a little not sure, don\'t know how to arrange for financial planning, to better meet the arrival of the little guy?

Growth: steadily widened the area of investment

Financial architects: Wang Jian

Title: industrial and commercial bank of Shenhe branch personal financial Center Manager

Fully reflects the mood of the gentleman sense to be father. A reasonable plan for the family\'s financial situation and arrangement, is to assume this responsibility only road. First of all, should be recognized, although income, however, due to economic weakness, the couple also need long-term accumulation and investment.

Therefore, remain relatively indifferent attitude and avoid horizontal where rivalries bring impetuous, in stabilizing the existing level of cases and gradually improve the quality of life, is the financial state of mind of the family should be held.

Not hard to see, the family monthly income and expenditure ratios close to 50%, so that may accumulate funds to $ 50,000 per year. This stability is relatively high levels of income, but relatively weak in fixed assets of the family, currently conservative investment structure. Home financing recommends 1. gradually widening investment approach.

According to their investment preference, recommended maintaining the existing banking deposits, recommends Exchange into US dollars in foreign currency deposits, Bank foreign currency financing products. Future accumulation of funds for the purchase of bank products, gain better investment fund and other varieties.

Recommendation couple develop a \"life insurance + insurance + critical illness insurance\" comprehensive insurance plans, while attaching some containing medical compensation-related insurance. In the child after birth, you can purchase growth investment type insurance products. The family insurance can be controlled within the range of $ 6000-9000 per annum.

2. reduce the mortgage loan term.

Proposals to shorten the loan term to 20 years. Little mortgage difference between 20 and 30 months of contributions, only about $ 256 per month, household income and expenditure ratio of 53%, within the scope of the existing income levels can accommodate, but you can greatly reduce interest payments on long-term loans. Transfer type: family of three enjoyable Finance Division: Ma Hongwen

Title: Chief of the Shenyang branch of Bank of China foreign exchange trading section

Husband and wife work relatively stable, at a medium level of income, better treatment of social security, housing loan is fully paid by the Housing Fund, the basic no debts.

In view of the estate tax levied in the future we should be investing in some participating life insurance tax avoidance as soon as possible, while also providing a guarantee for families and children. In addition, to insure their children\'s education insurance for their children in the future and major sickness insurance, purchase some property insurance at the same time as family property.

According to the family\'s income, expenses, premium expenditures should be controlled within the 15% of the income, daily expenses less than $ 2,500, deducting the cost of keeping a car, about balance of about $ 2,500 per month.

Recommendations in the monthly balance of $ 1500 for the investment of equity funds, paid into a Fund for the rest, as additional expenditure: investment collectibles, souvenirs, makes life more colorful.

Purchase currency in $ 20,000 in funds, for temporary spending half (set aside 5,000 yuan in cash in the early days) and the other started as a growth fund of funds. Expected annual yield of around 5%, available this part of the costs as a family of three annual tourism consumption funds, enrich the spare life and broaden the children\'s society.