Dr 30-somethings, good wife, son and lovely. Couples are company staff, after years of accumulation, not only the acquisition of premises of $ 500,000 in his hand, there is a certain amount of savings. There are currently 30,000 50,000 yuan and foreign currency deposits, Renminbi banking product financing US $ 30,000. Dr strong investment awareness, home of the largest investment shares were most unwilling to comment on his heartache. $ 200,000 initially thrown into the stock market, has now shrunk to $ 80,000. He balances to us families hope experts and eliminating doubt and confusion for him, and be able to complete his goal in life.
Mr Yang had two wishes: first, it is hoped that within three years and then purchase a three bedroom two living House. II was the son of hope 3 this year and a half to go abroad for further study after high school graduation.
Reporter, Shanghai Pudong Development Bank Shenzhen branch advanced financial planners Ying Li, and Ran Maoyang on Mr Yang\'s financial situation was analysed.
Asset security housekeeping Eng
Mr YEUNG is a warm in the family into the small family, and family money, financing more effective. From the perspective of income and expenditure account, the expenditure more reasonable, subject to annual tourism, a basic no extravagant expenditure on consumables. More than 20,000 a year expenditure on insurance premiums, moderate percentage of premium income arrangements, shows their strong sense of financial security. At the same time, Mr Yang investment awareness is also very strong, his investments to fixed income (RMB and foreign currency financing products) as well as high risk (speculation in the stock market), both proportional allocation of close to 50%, from this we can see that Mr Yang\'s risk appetite is strong, pursue investment yield at around 6%.
Accurate quantitative targets
No measurable goals, it is not really objective. Therefore expert will Dr Mr of financial target accurate quantitative: as life standard of improve, Dr Mr in 3 years within to acquisition of House must than now 500,000 yuan of real estate better, estimated value 800,000 yuan, down and the decoration 400,000 yuan, mortgage 600,000 yuan, months for 3,700 Yuan around, implementation time is see cash flow status and real estate market situation; also, son 3 aged half, from high school graduated also has 15 years time, is expected to 2020, Dr Mr of children abroad study abroad, if by 4 years meter, annual costs 300,000 yuan, total 1.2 million Yuan.
Analysis of Mr Young\'s purchase goal. From the market situation, although many people think that the real estate market in Shenzhen than health in Shanghai, but does not mean that there is no bubble, caitian Park next to a community as an example, just two months after the Chinese new year, prices rose more than $ 1000 per square metre. Recent Central Bank increased housing mortgage loan interest rates, to the real estate market an agent \"fever medicine.\" And the Shenzhen City land resources and Housing Board recently to curb illegal speculation in real estate, launched four major initiatives to combat real behavior. Various signs indicate that housing should be sustained at present should not be anxious, it is recommended that Mr Yang will purchase behavior after a temporary arrangement until next year.
Children study abroad and Mr Yang is yet to consider other objectives, recommends the adoption of natural accumulation of assets to achieve. Existing financial assets of only $ 10,000 deposits done emergency response Fund, remaining as investment. Monthly cash surplus is fixed for the time being, as a contingency fund, to the end of the year at once into an investment account, account average annual rate of return on investment is estimated to be 6%.
Because the consumption of rigid, experts expect spending growth each year of the family 4%, and wage growth only 3% a year, that the quantitative analysis of cash flow chart and the accumulation of financial assets.
In the above premise, cash flow evidence, Mr Yang\'s two goals were basically attained. Analysis to see that, except in the year of the purchase and child study abroad year, domestic cash flow deficits, financial assets are required to make up for things, Mr Young\'s cash flow and accumulation of financial assets are very good. After the costs of meeting the children study in 4 years, financial assets or a small surplus (about 200,000 dollars), you can continue to accumulate as pension and other goals.
Activating asset robust value-added
Dr investment awareness is very strong, but the investment was not a success: $ 200,000 stock diminished to $ 80,000. Experts believe that the annual average of 6% in the budget for investment income goals, Mr Young\'s investors should be aware of the following two aspects:
First, the rational allocation of assets for the type of fixed income and a stable income. Recommended that you leave $ 30%~40% RMB financial products and financial products-fixed income products, similar to the investment after the expiry of its products, annual yield of around 3.5%; also 60%~70% as a steady investment, yield of around 7%, major investments for the open-end Fund. Recommend that Mr Yang stocks into the Fund, annual cash surpluses are invested in the Fund, established including index funds, equity funds and balanced fund portfolio or Fund, held in long-term mentality of inputs, speculative operations do not miss the band market. In the current market, such as SSE 50ETF, harvest capital preservation, and harvest growth are a good choice.
Second, concerned about the dollar\'s exchange rate risk. Because the Dr is currently US $ 30,000 of financial products, movement of the dollar has been weakening, so after the expiry of the investment, the need for conversion and converted to a currency, you need to consult the views of experts.
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