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Single Job Beauties Multi Financial Management: First Make Insurance And Then Become A Fund.

2010/10/5 17:01:00 65

Miss Xia, 29, is an only child, unmarried. She works in a foreign company, and her parents have a pension.

The monthly income after tax is 5100 yuan, and the monthly expenditure is 2000 yuan. At present, the existing assets are 215 thousand yuan, and there is no liability.

Plans to get married next year, the family provides housing, no car purchase plan.

Except for social insurance, there is no commercial insurance.

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Conduct financial pactions

Demand]

Miss Xia's financial needs are clear and simple, mainly because she hopes to continue her "petty bourgeoisie" life in her future life.

The specific requirements are:

1. I hope to travel 10 thousand yuan a year.

2, the cost of preparing for marriage is 30 thousand yuan.

3, we hope to retire after 20 years, and continue to live for 30 years after retirement.

Financial management

Plan

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1, insurance planning: Miss Xia has bought social insurance for her unit, and proposes to purchase supplementary medical insurance and accident insurance.

It is recommended to insure personal hospitalization insurance. According to the highest payment, the premium will be paid 748 yuan per year, which will ensure 250 yuan of insurance coverage for hospitalization days and a maximum compensation of 200 thousand yuan for major diseases.

Because the client is single and the work nature is not too risky, it is recommended to purchase accidental injury insurance and the beneficiary is designated as a parent. If the card accident insurance is purchased, the annual premium will be 200 yuan to guarantee 800 thousand yuan, so the total insurance expenditure is 948 yuan.

Investment

Planning: according to Miss Xia's risk bearing ability and risk bearing attitude, it is recommended that the remaining assets be allocated to 30% less risky products, such as bank's financial products, and the other 70% assets can be invested in higher investment products such as Yu Jijin and stocks in the case of 3 months' living expenses.

3, retirement planning: according to the monthly cost after retirement, not less than the current level of 2000 yuan, considering the 3% factors of inflation, at least 860 thousand yuan should be prepared for retirement when retiring.

Because Miss Xia has social insurance, she can receive a pension of 2636 yuan and 139 months on a monthly basis. After that, she can receive 1279 yuan a month, which is equivalent to 526 thousand yuan for her retirement year and a shortfall of 334 thousand yuan.

4, fund status: at present, Miss Xia has a deposit of 215 thousand yuan, an annual income of 61 thousand and 200 yuan, 30 thousand yuan for the preparation of marriage, 34 thousand yuan of annual fixed expenditure, 948 yuan of annual premium, and assets of 211 thousand yuan at the time of marriage.