Middle class people does not strange words, they have decent jobs, higher incomes, House and a car is envied a group in the big cities. However, as with ordinary people, middle-class families also need to bear all the expenses, such as maintenance, raising children, the elderly to repay Bank loans, preparing the children\'s reading, its own pension fund, and so on, preparations are in need of money, revenue in lucrative middle class also felt the pressures of life. In order to live a life of comfortable and free from harm, the middle class to learn how to finance. A Bank fiscal Division said.
Case
Mr Yang, a representative of working in foreign companies. 35 years old this year, Yang is a large, multinational company of technical experts, monthly salaries of up to $ 10,000, given the good benefit, year-end dividends also has 7-$ 80,000. Young wife is a civil servant, earning 5,000 yuan a month, various insurance benefits are quite complete. Both of them have had bank deposits of $ 130,000, Fund of $ 50,000. A few days ago, Mr YEUNG has just bought a $ 250,000 worth of cars. Two people in the urban area has a House, worth $ 500,000, of which $ 250,000 mortgage, 15 mortgage term, and has for 5 years. Although Mr Yang and his wife make good money, but because they are both the only child of the family, to support the four elderly people, and along with the 3 months before the child was born, the spending increases, was started to feel a bit overwhelmed by Mr Yang.
Dr financial situation of the family table
Income project
Fixed asset bank deposit income year end Dividend Fund
$ 750,000 130,000 RMB 15,000 yuan/month at $ 80,000 $ 50,000/year
Expenditure items
Automobile cost $ 3,000/month
-Money schemes
Understand Mr Yang family\'s financial position, the Minsheng Bank < information forum comments > financial analyst Zhou Jiezhen, said Mr Yang\'s family belongs to the robust growth, a steady source of income, but the lack of investment, capital structure less reasonable. So she gave young out of the three financing home care remedy: first, according to the current situation and short-term needs, note that the use of funds to widen the investment approach, financial added value and, second, that budget expenditure on children, accumulated sufficient child care costs and the future of education funds and related insurance expenses; third, from now on accumulation of pensions.
In fact, many middle class is more or less the same, I will give Mr Young\'s proposals also fit many white-collar reference. Miss Zhou believes that most middle-class family in financial management should be mainly from the following ways.
Increasing the capital gains rate. The most recent period, weakness in the stock market show, Shanghai composite index slumped on Friday, create a 1281.6 of the lowest in the five years. For all kinds of funds lost a stronger foundation, also hit a new low in recent years. Zhou Jiezhen analysis pointed out that domestic investment, there should be appropriate to reduce in the short term Fund quotas, can be converted to long-term investment in foreign exchange trading or stock, total venture capital must live within our means, such as Mr Yang had better not more than $ 88,000. If the investments are too risky of a financial nature, consider real estate investments. She said that Guangzhou soaring property market this year takes on a momentum and is expected to continue rising, if money can be entered in this field.
Enough child upbringing and education funding. Miss Zhou says, to a family and raising children, 1-3 years of spending is about $ 6,000/year, so she suggested bank deposits should be reasonable arrangements, good use combinations of various deposits. As Mr Yang by fixed deposit by installments, deposit $ 1500 from the monthly wage as children Education Fund and related insurance expenses, insurance and major mergers to children to buy some education illness insurance, just in case status and let families into heavy financial crisis.
Pay off mortgage in advance, save interest payments. Near-time, on central banks raise rates expected to pitch. Some analysts pointed out that, in addition to rising domestic prices, peg RMB exchange-rate policy also has its interest rate space. Reportedly the fastest this year in December, the Federal Reserve may raise interest rates to 2% after 0.5% dollars have interest rates. China\'s housing mortgage also performs national preferential interest rates, but also a 5% do, if the interest rate, it means that people buy a House to pay more interest. Therefore, Mr Yang Zhou Jiezhen think there is a certain fixed deposits, you can come up with $ 70,000 for prepayment of bank deposits, to reduce the anticipated expenditure.
Accumulation of pensions. Due to major reforms of the social security system now, pension becomes more and more families must pay attention to the problem. Mr Zhou Jiezhen recommended Dr with a steady income of $ 30,000 investment projects, such as buying treasuries, investment property rent, to improve the yields of fixed capital.
Financial results for the different families have different, but in the economic environment, investment policies should also be much the same, of course, this also depends on the individual\'s risk appetite. But anyway, financing is necessary. Only good finance and financial management concepts and practices, to help himself on the planning and easy life. A senior finance teacher laugh, don\'t you finance, financial ignore you.
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