The test: in the name of the child into the golden color tomorrow plan with-profits insurance, 5,000 yuan a year, a period of 10 years; husband and wife each into the Corning Major Disease Insurance, 3,000 yuan a year, a period of 20 years, and a monthly fixed investment fund of 700 yuan.
Financial needs: I don't know if it's right to get into those insurance policies, and I hope that financial experts can analyze and study our situation so that we can have a better quality of life. How much money do we need to save and how much do we need to leave each month?
Guest: Liu Wei, Financial Planner, Bank of China Hebei Branch
I. Financial Situation:
From the current income and expenditure situation, to maintain the basic life of the family and a slight surplus.
Current bank deposits of 20,000 yuan, participating in the insurance up to three years, according to 15,000 yuan, the fund has not been invested for how long, it is estimated to have started in 2007, according to have been invested in a year of calculations, the original capital of 8,400 yuan, the estimated market value of the shrinkage of about 40%, there are rental properties, monthly rent of 1,000 yuan, the house, valued at 400,000 to 500,000, according to 450,000 yuan. The calculation, roughly speaking, the family assets in 990,000 yuan.
Second, financial problems:
1, family assets, real estate accounted for a large proportion of the family's reserve is less, only 3-4 million, the elderly do not have a home health insurance, pensions, accidental expenses difficult to cope with;
2, the family's main source of economic income for the couple's wages and rent, once there is a loss of employment or the house rental interruptions, the source of income will be a problem.
3, as the family breadwinner of the husband and wife, only buy critical illness insurance, but for the children to buy participating life insurance, the elderly do not have a pension, once the family breadwinner in the event of an accident, the family will be in a difficult situation.
Three, financial advice
The family has to solve a lot of problems, the elderly medical care, children's education, to improve the family's ability to resist risks, improve their quality of life, the couple's future pension, etc., relying on the current income and expenditure is difficult to achieve, the solution to the problem of ways to improve income, rationalize the arrangement of expenditures, adjusting the structure of the insurance policy, and adhere to the investment.
1, improve income.
The husband and wife are in the youth, should be in the improvement of income up and down efforts can be made through a variety of learning to improve their ability to further their own work in their own jobs, the wife works in the supermarket, their own contact with the business, you can consider learning about business knowledge, more attentive to the process of business, learning the way of doing business for the future of their own business to do business in the future, the husband can learn professional knowledge, master a skill, to senior blue-collar or management to move forward. Senior blue-collar or management; at the same time in the family to create a learning atmosphere, the children will play a very good role in education.
2, rationalize expenditure.
Open source and concurrent, although 2000 yuan living expenses are not high, but as long as you want to find ways to save money, such as the use of shopping malls, supermarkets, discounts, to limit the expenditure of non-essential goods, the early thrift is for the future to live a good life.
3, adjust the insurance structure.
In the current period of capital accumulation, in principle, try to buy pure protection insurance, saving premiums, in addition to focusing on the family breadwinner - the couple.
Specifically: Corning Critical Illness does not need to be adjusted;
Participating in the name of the child's best to change to the name of the husband and wife into the term life insurance, to increase the strength of the family's protection;
This family only the husband has a basic old-age pension insurance, in order to ensure that the couple's retirement, it is recommended to increase the couple's commercial old-age pension insurance.
4, adhere to the investment.
The family's monthly fund investment is a very good way to invest, as a long-term investment, it is for the future of the child's education, the elderly's pension costs and the couple's future quality of life to provide the basis for the improvement of income can increase the amount of monthly investment to meet the needs of different needs, investment as a source of income for the family's future, must be insisted on.
At the same time, as a family of 20,000 yuan deposit, in the expectation of interest rate cuts, it is recommended that 10,000 yuan deposits for half a year time deposits, 10,000 yuan deposits for one-year deposits, liquidity and profitability both.
After the adjustment, the cost of insurance will increase, the annual balance of 31,600 yuan can be taken out of 5,000-8,000 to increase life insurance and pension insurance. 20,000 yuan for deposits or treasury bonds or fund investment. The remaining 3600-6600 yuan, you can improve your life, for the family to buy more clothes or purchase living utensils or family out of the relaxation.