How to get the couple pension worry-free
66 this year old 6 years ago, Shen came down out of retirement in a hospital, took more than 1100 million pension each month. His wife 10 years ago, retirement home, there are more than 500 million of retirement pay. Old couple living two room of about 80 square meters of private kitchens. On a grandson had a primary school, now live in homes for the elderly, school fees they package, grandchildren is sensible, do not have to worry about them. Son daughter-in-law last year bought a House, although only $ 150,000 had been Shen old man down subsidies to them, but the young couple have 400,020 years of the mortgage in the body, work is also very busy very hard, hard to reunite and the old couple. Due to the living habits are different, less for the elderly to son House.
At present, Mr Shen old couple months revenue around $ 1600, lives in a house worth about $ 400,000, with $ 50,000 deposit pension, there is also $ 30,000 debt. Remove monthly food and daily life such as water, electricity and gas costs, generally also savings on 500 Yuan a month, but only down about $ 5,000 at the end.
Family financial goals: 1. couple Endowment carefree; 2. grandson to school to prepare a funding for education, to ease the burden of the son, daughter-in-law (additional); 3. accident insurance protection; 4. in order better to guarantee and improve the quality of family life, need to save out quite a sum of money. Mr Shen old hope to add some investments, to capture investment income of more than the time deposits, and hoped that experts recommend some variety of pension and accident insurance for their choice.
Asset allocation recommendations
To automatically purchase Fund
(1) a family emergency preparedness of gold investment assets of not less than 10%. Mr Shen old can leave $ 10,000 deposits as the returns from imprest, to be a rainy day. The rest of the money you can save the file as a different period of more than one certificates of deposit, to some early when the need, while ensuring continued high interest to the rest.
(2) the purchased currency funds. Because of monetary funds in addition to having and bank deposits as security properties, there are more superior than time deposits of local, can be sold at any time, without loss of interest.
(3) automatic purchase Fund. For his grandson\'s education, Mr Shen old can actually do not have to annoy. Raise education fees, most people like to use fixed deposit by installments over time before, but interest rates are too low, and scheduled deposit, cumbersome. Recommended the purchase of fixed on a regular basis open-end Fund here. (4) purchase of certificate bonds. Best buy that bond of two-year period, volume control below the $ 20,000.
Insurance proposals
Principal payment for the insured to get rid of savings ideas
Old Shen for his and his wife purchased a number of special insurance for older persons, such as accident insurance and sickness insurance.
Recommended insurance on Mr Shen old breaking savings service concept of insurance guarantee of returning to nature, on a limited budget to maximize coverage.
Financial management in the elderly:
Clever savings income as possible to maximize
Above this both a pension and savings comparison typical elderly families with children in the city. But there are several types of elderly families exist: pension with children; pension without children; a certain savings with no children. Designed for families, financial expert advice: Smart savings, maximizing the benefits so far as.
1. the use of \"snowball\" method of deposit. Retirement pay monthly money can be saved a year time deposit for the elderly, a year down, hands, there are 12 of deposit. This way, no matter what month no haste, be patient money deposit that is due out of the current month. If you do not need to spend money, can deposit that is due, together with interest and have money left over then rolled over a year. Automatic dump now banks have launched a service, when the savings should be automatically rolled over with the Bank agreed.
2. reduced deposits, modified to buy currency Fund.
3. progressive savings method. Is a savings of elderly families to adopt this kind of savings, so instead of compromising paid and income. Savings of $ 60,000, you can save $ 20,000 respectively for one year, two-, three-year 3 term deposits. One year down, $ 20,000 that is due can be rolled over into regularly for three years. Two years later, deposit all regularly for three years.
4. monthly and then click Sharing. A certain savings with no children of the elderly family monthly income depends on it. Bank financial expert recommended approach can be used: prepare for 7,200 Yuan a year, according to the month time sharing, will save $ 600 per month for 3 month time. In this way, each month has a deposit expires. If you have 6 money, you can choose half year regularly; have 12 money, you can choose a year sth And so on. In this way, deposits for monthly draw.
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