"City Sandwiched" Financial Management: Fund Insurance Stocks Reasonable Investment

With the improvement of people's living standard, we have enough food and clothing.

Money management is a way of life that comes with us throughout our lives.

At different stages of life, we will have different financial goals, such as buying a house, getting married, having children, children's education, improving home furnishing, tourism, retirement and so on, which requires us to draw up different financial management.

Financial planning requires scientific planning and family planning.

Family situation

Ms. Ding, an advertising agency, is 28 years old and has an annual salary of about 90 thousand yuan after tax.

Husbands worked in large state-owned enterprises, and the annual salary after tax was just over 120 thousand yuan.

The couple just gave birth to their daughter a few years ago. The cost of their children has increased the family's financial expenditure, and their parents are far away in Shanxi.

The couple now live in a two bedroom apartment with no loan and a market value of about 700 thousand yuan.

Another suite, a loan of about 800000 yuan, is currently rented.

Demand deposits and cash are 140 thousand yuan, stock principal and fund are several, but the market value is bigger.

The whole family has no commercial insurance.

Financial management objectives

1, in the current economic environment which is not optimistic, we hope to achieve the preservation and appreciation of family property through effective financial management.

2, we want to buy a bigger house while the property market is going down.

3, arrange children's future education and their own insurance.

Analysis of family financial indicators

1, consumption ratio = total consumption / total income

This value is more suitable for 0.4-0.6.

In other words, 4-6 of the monthly income should be saved for investment or other expenses.

Ms. Ding removed mortgage and household expenses, the monthly balance accounted for 0.571 of the total income, a medium reasonable level.

2. Debt income ratio = annual debt / annual income.

The lower the value, the better.

The ratio of personal debt to income should be below 0.35, higher than this value, and there will be some difficulties in lending and financing.

Ms. Ding's debt income ratio is 0.256, which is a normal level.

3. Liquidity ratio = liquidity assets / monthly expenditure

If the liquidity assets can meet three months' expenditure, that is, the value is greater than 3, the liquidity of the customer asset structure is better.

If the value is too large, because the return on current assets is generally not high, it will affect the further appreciation of customer assets.

That is to say, bank deposits are not as good as possible. Generally, there are 3-6 months' living expenses.

MS Ding's liquidity ratio is 14, too high, indicating that investment is insufficient.

It is suggested to reduce liquidity assets and invest some of the 140 thousand demand deposits.