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Fixed year expenditure
Financing plan to analyze ' Part of the university) : (2)
Fixed year expenditure: 120,000 yuan; Financial assets: Fixed deposit of 300,000 yuan; Fixed assets: Since one set of houses, small family type one set (hire out) ; The family in debt: 5000 yuan per month mortgage; The financing is proposed: Ms. Zhang family has sane financial affairs, assets increase steadily, it is not high to bear.
16,What Ms. Zhang bought for the daughter ten years ago is stopping the insurance policy high at that time, if got to 70 years old, it is 60,000 and 200,000 to put into and produce, it is very worthwhile. But ensure the function to be insufficient, propose Ms. Zhang buys an overall guarantee for the daughter again, propose whole-life insurance, serious disease, accident and medical insurance; Ms. Zhang, as family's pillar, multifarious responsibility is by one suit, but there is no indispensable social welfare guarantee, therefore should set up a set of complete security systems by oneself, thus it is unexpected with the impact of family's wealth of disease to exempt from.
17,The daughter is placed by Ms. Zhang's emotion, is the expectation of the whole family too. Since the daughter dares to challenge TOEFL, the study should be good, so long as the daughter would like to continue taking an advanced study, Ms. Zhang will support, it is necessary to get money of the daughter's education ready ahead of time in this way. Propose Ms. Zhang opens an account in the name of daughter, then adopt the fixed method that makes the investment by norm, invests 2000 yuan to buy the fund of money market for the daughter every month, give daughter management but can only pay the educational expenses of large volume, and then lead daughters to form the good habit of the financing progressively.
18,Propose Ms. Zhang sets about preparing one's own question of supporting parents now, in the future when Ms. Zhang retires, can reach suburb live, have two rental of house do the foundation per month, it is not very great problem to support parents. If daughter need house is can until house let, give daughter now, oneself need, prepare more some pension. Propose Ms. Zhang set up one pension fund account for oneself as soon as possible, a part adopt, buy endowment insurance guarantee, a part is accumulated by investing the high-quality stock fund definitely, save some now, will pass in old age in the future and settle down.
19,The most important thing is Ms. Zhang want, finish now, manage well cosmetic undertaking, the happy mood of keeping fit, creating the cash flow constantly, it is one's own family, lay a abundant foundation for the daughter.
Tips: The indispensable insurance policy before the child supports oneself? |