Client information
Mr IP 54 years of age, is one of the senior management of Sino-foreign joint ventures, the annual salary of around $ 200,000. Wife Lady Liu as a university lecturer, monthly income between $ 4,000 to $ 6,000, there are household deposits $ 600,000, $ 300,000 worth of cars. Three people have been buying health insurance and accident insurance. Son is 27 years old this year, will be married next year, as the son was a doctoral graduate, we do not have a fixed income, they will prepare all costs for marriage and a House for the children. Now two people thought was married to buy a duplex apartment for his son, two years later moved with his son at the time of retirement living. Madam Lau parents living abroad, parents have died. Leaf collection of antique like, this is a fixed expenditure. When two people want to fit-for a luxury car. Although the couple\'s income and deposits not less, but to accomplish some goals and ideas also need proper financial management. Want to know, to current situation of the family, in financial need to pay attention to what issues? You can expand on which fund or stock investment? If you need loans, should the manner in which credits? Can invest in what respect?
First sub-500 word analysis of family wealth, in what problems need attention in finance.
700 words is the second part of Mr design specific financial planning and investment.
Financing recommends:
Information from Mr IP, should focus on the following several points:
The revenue side, both husband and wife have a certain persons of higher social background and cultural quality, both the work and income stability, higher levels of education. Leaf being a Sino-foreign joint venture senior leadership, annual salary of about 200,000, wife for university teachers, annual revenue of about $ 670,000, total family income of $ 270,000; son although no work but had graduated, PhD, be said to have found work should not be a problem in the short term. Mr IP currently has a household deposits $ 600,000, housing a, $ 300,000 worth of cars, it should be said that one should belong to the upper-middle-income families living honest. And a married couple working and income stability, expected their household income in the future will also be showing a steady increase in the momentum;
Mr IP a 3 are all that is covered by the health insurance and accident insurance; unit where the couple have three insurance (pension, health care, unemployment insurance) one gold (provident funds), in their basic does not have to worry about;
The expenditure side, leaves a major for the monthly food, electricity, gas and miscellaneous fees, gasoline and other small items, overall spending is not high. Mr IP in 2007, the couple plan to children currently preparing all costs for marriage and a House.
Through a detailed analysis of the financial needs, combined with a family of three, age and occupation
Characteristics, incomes, assets and future development trends, taking into account can guarantee the high quality of life in the future, we propose:
Consider to leaves Mr couples has close retirement age, yihou do not have to every day commute, with car of opportunities does not more, coupled with 300,000 yuan of car has reached high-end; currently family car of price is gradually with international practice, price space is large, and children just graduated, also is not marry and settle down, home has purchase compound residential of intends to, recommendations leaves Mr couples first suspended car, should to first acquisition real estate for better.
Because of the parents has died, and Madam Lau parents settled abroad, clothing and worry-free life, both support the elderly financial burden does not exist. Leaves a fixed monthly food, clothing and other life expenditures with Lady Liu wages can afford, their family should have at least $ 20,000 savings per month, plus has some 600,000 yuan bank deposits, leaves after a can at least 2 years of savings of $ 1.1 million. In order to meet the 2 years after purchase and make arrangements the cost of marriage for his son, and that does not affect the quality of life in the future, China Everbright bank financial expert for the formulation of the following financial planning programme, with a view to meet the liquidity, security, profitability of the three best combination.
Financial programming:
1, RMB financial product
As an existing deposits $ 600,000 demand bank deposits, current interest rate is very low,
Executives for the company, usually quite busy, no time to take care of their assets. And his wife as occupational characteristics to pursue sound investment; family savings mainly marriage for his son and the preparation of the purchase, do not want to take any risks, it is recommended that $ 500,000 to buy RMB financial product. Currently this city more than Bank have launched has income rate, and period varies of financial products, but combination leaves Mr a of demand, and consider to future 1-2 years has may bank deposits interest rate raised of situation, recommendations leaves Mr to purchase a years period RMB financial products for better, currently Everbright Bank recently a period issued of 1 years period Sun financial b plan products, years income rate for 3.15%, for currently by issued financial products middle-aged income rate highest of.
2, the money market fund
Money market fund and bank financing products, are for Investment Bank bills, bonds, financial bonds, deposit agreement. The product is intended primarily for those who do not want to bear the investment risk, and hope get higher returns than savings. Purchase, starting at around $ 1000, much lower thresholds than bank financial products, and does not require placing additional criteria. According to the author on the observation of near-money market fund trends over time, of which only about 10 IMF of 7th year yields are in the vicinity of 3%, huaan Fund 3.45%. Compared with the RMB financial product, in the face of higher interest rates, it should be said that IMF digestion stronger, yields will rise. As a \"savings\" products compared with the Monetary Fund and the bank financial products of liquid
Advantages in buying after the confirmation from the 2nd business day, you can redeem. As a 2-year, there will have large sums of capital expenditure plan, suggested that leaves $ 100,000 deposit and part of the surplus revenue to investment in money market funds, to a higher return on investment.3, buying antiques
From Mr IP has collection of antiques-loving, there certainly is a very cultural intellectuals of the quality of life, for which their parents living also left a number of valuable antiques. Mr IP is nearing retirement age, believe the appreciation of favorite antique would become its main life after retirement. New opened several pawn shops in Beijing area, there are many high value to the collection of antiques, and lower prices, recommended that the leaves while living more than to the pawn shop around, one can \"happy goods\", and can be carried out under market conditions to its collection of antique \"excellent save bad and eliminating the\" combination of collection and investment.
4, purchase
At present leaves a nice spacious and convenient House, bought the House mainly used by son married 2 years later. Taking into account the couple is nearly 60 years, duplex houses requires climbing every day, for the elderly and children very inconvenient in the future, but safe for the kids. Combined with modern family pursuing an independent life, likes to have its own independent living space. And the young and the elderly due to different living habits, lived together in a long time will have friction, together with Mr IP couples currently in good health, do not require child care, and son 2 years after marriage is soon to be a child or not included in the schedule. Consider to future in China will implementation heritage tax and currently Beijing prices foam components larger, problem, recommendations: (1) as required loan buy room best, son found work and stability Hou, to son name loan buy room or one-time payment, to avoid heritage tax; (2) recommendations its to purchase of House should distance leaves Mr existing housing does not far, and traffic more facilitate, and best can away from son future units commute more near of real estate, to price does not over 1 million of second room a Office or three room a Office housing suitable.
