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Case Study] How the Middle Class Manages Family Finances.

Case description: Mr. Li, 48 years old, the company's CEO, with an annual income of 300,000 yuan, Mrs. Li, 46 years old, retired at home, and her daughter is 20 years old and studying at university. Mr. Li has another commercial house for rent in the urban area, with a monthly rental income of 2,000 yuan, in addition, Mr. Li has no other investment channels, and the family has idle funds of 500,000 yuan.

Expert answer: Mr. Li's family is in the mature period of the family, has a certain amount of asset accumulation, stable monthly income, and good company benefits, because he is busy with work and has no time to take care of finances, except for a set of rental houses, there is no other investment, and he expects to obtain long-term stable income. My daughter is 20 years old this year, and she can choose accidents, critical illnesses, medical treatment, pensions, and it is best to return to the principal and dividends, because the younger the age, the greater the income.

According to the actual situation, the following recommendations are made:

Taikang Loving Home Covenant, one policy to protect the family, can meet all the needs of Mr. Li. For his wife and daughter, choose annuity participating financial master insurance, and the whole family can buy low-premium, high-protection supplementary insurance, increase their value, supplement medical treatment, and save 10% 20% of the premium, and there are powerful functions such as unlimited upgrades and premium waivers.

Case Study: Mr. Li chooses a family protection product portfolio with a policy of Loving Family, with an annual premium of 35,366 yuan and a 10-year deposit, the benefits for the whole family are as follows:

1. Mr. Li and his wife's pension account: 10 years after the expiration of the deposit period, you can start to receive a pension, you can choose to receive 1,200 yuan per month to supplement the pension, guaranteed to receive 20 years, or do not receive compound interest from the company, flexible as needed, up to 388546 yuan, and the company's dividend benefit is 349888 yuan, with a total income of 738434 yuan.

2. Daughter's lifelong financial annuity account: there is a high benefit distribution every year, and when the daughter is 40 years old, the account interest: 103395 yuan, and when she is 60 years old, the account interest:

289726 yuan, at the age of 80, account interest: 650247 yuan, flexible as needed, cash flow equal to life, live to old age, receive old age.

3. The daughter's life insurance is up to 200,000 yuan, 5,000 yuan per year for inpatient medical treatment, and 2,000 yuan per year for accidental outpatient inpatient medical treatment.

4. Mr. Li has: risk insurance of 200,000 yuan (up to 800,000 yuan for aviation accidents, disability is paid proportionally), 2,000 yuan per year for accidental medical treatment, 100,220 yuan a day for hospitalization allowance for the couple, and up to 10,000 yuan per year for surgery and organ transplantation, without invoices.

5. Special premium waiver: If Mr. Li is unfortunate or suffers from a critical illness, the premium company of the main insurance will pay on behalf of him, and all account benefits will not be lost.

Actual interest received: 10,000. $8.

The interest tax of 20 is: Yuan.

You can also search online for professional loans**, where you can choose from a wide range of loan products. For example, search for "financial e-station" in it, and then visit this**, there will be a lot of loan products and information from all over the country to provide you, choose the loan you need, and apply directly or call**contact OK.

Financial management is a person's management of financial resources in order to achieve their life goals, including cash planning, investment planning, risk management and insurance planning.

Save some money. Buy a little bit within your means** fixed investment. It's the experts who help you manage your money. **The minimum initial capital is 1,000 yuan, and the minimum investment is 200 yuan.

You can buy **to the bank or **company. Banks can **many** company business, and the specific account opening can be handled by the bank wealth management counter. Now some ** companies also have **** trading. After the bank opens online banking, there is a discount on the general fees for online purchases.

First of all, do a self-understanding, whether you want high risk and high return or stable capital preservation and income. The former buys **type**, and the latter buys bond type or currency type**. After determining the type, you can choose according to the performance, manager, scale, investment direction preference, charging standard, etc.

**Performance is ranked online. A more stable **type** can choose an index or an ETFIt is best to choose the back-end payment for regular investment, and the same underlying index** should choose the one with low management fees and custody fees.

I don't make specific recommendations, only the feet know whether the shoes are good or not.

Generally speaking, there are two types of open-ended** investments, single investments and regular fixed amounts. The so-called "fixed investment" refers to the investor's investment in a fixed amount (such as 1,000 yuan) at a fixed time every month (such as the 10th of each month) into a designated open-ended investment, similar to the bank's lump sum deposit and withdrawal method. Due to the low starting point and simple method of "fixed investment", it is also known as "small investment plan" or "lazy financial management".

**Regular fixed investment has the characteristics of similar to long-term savings, which can accumulate a lot, spread the investment cost evenly, and reduce the overall risk. It has the function of automatically increasing the weight on dips and reducing the size on highs, no matter how the market changes, you can always get a relatively low average cost, so regular fixed investment can smooth out the peaks and troughs of net worth and eliminate market volatility. As long as there is an overall growth in the selection, investors will get a relatively average return, and they no longer have to worry about the timing of entering the market.

Investment**type** to make a fixed investment is always an opportunity, but the determination to persevere to the end can see the effect. Through long-term investment, the average annual return of **type** is around 18% 20%, and the average annual return of bond type ** is 7% 10%.

Wealth management is a Chinese term that refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance.

The first floor makes sense, but I personally feel that there is no **or**experience, this ** is still better to move less, don't accidentally blow up, you can't leave a penny; If the landlord does not have insurance, first add insurance to himself, and then you can consider the treasury bonds or fixed investment**, you can also add a point**, personal opinion is for reference only.

You currently owe $252,000 and want the least cost.

The minimum interest of the credit card is a year, but there is an interest-free repayment period, Bank A is unknown, but the recycling year is 18%, and Bank B is a year, and the cash is interest-free.

1. A few days before the latest repayment date, 62,000 yuan in cash (8,000 yuan is reserved for living emergency funds), bank A loan of 190,000 yuan, and 252,000 yuan in credit card arrears;

2. Use credit cards B and C to cash out 190,000 yuan per month to repay the loan of bank A, borrow loan A to repay the credit card before the repayment date expires, and cash out to repay the loan the next day after the repayment is completed. In this way, the interest on Bank A's loan is almost zero, and the card handling fee is 3% per year (6 times, 195,100 yuan in arrears;

3. Try to use credit card A to pay for monthly expenses, buy currency with 8,000 yuan and the remaining 3,000 yuan per month, save at least 90,000 yuan in two years, repay the bank loan A, and 105,100 yuan in arrears (still leaving 8,000 yuan);

4. Before the credit card repayment date, borrow 105,100 yuan from bank B for three years and pay off the credit card;

5. Bank B repays 3,235 yuan per month, and the monthly residual income is 1,025 yuan in the third year, and 12,300 yuan for the whole year; The monthly residual income in the fourth year is 1,751 yuan, and the remaining income for the whole year is 21,021 yuan; At this time, Bank B has a remaining principal of 37,433 yuan, and uses the remaining 33,321 yuan in the third and fourth years and the remaining yuan in the first month of the fifth year to pay off the loan in advance in one lump sum, and the remaining yuan is left.

6. According to the above method, the arrears can be completely paid off in the first month of the fifth year.

Optimization: 1. If income increases, will expenses also increase? I assume that it does not increase, after all, the arrears are the first, and saving is important.

2. Can Bank A accept such frequent loans from you? You should find the right person to solve it for you, and if not, give some public relations fees.

3. To repay the loan from bank B, you can repay the loan in batches in advance, and I use a one-time loan because I want to simplify it, and I don't want to make things complicated. However, the amount of arrears is really large, and the income is really not high, so it has to be done. At the same time, due to the residual income, you can also buy the goods base at this time, so you can have a few hundred more.

Fourth, if you have rich investment experience, you can do some **, gold and silver and foreign exchange when you have a vacancy, but the risk is indeed larger, and the amount of arrears is more, so it is seriously recommended not to participate.

There is another way of thinking, that is, part of bank A and part of bank B, bank A still drags on first, and pays back bank B first, but I estimate that it will still take about four years.

Financial management is a person's management of financial resources in order to achieve their own goals, including cash planning, investment planning, risk management and insurance planning.

First of all, there must be savings, compulsory savings, at least pay off the loan first, and at least 6w of Nafi Deposit is required. Guaranteed cash flow.

On this basis, continue to force regular savings, and at the same time use a large amount of their own savings to purchase short-term wealth management products from banks, increase the rate of return, and the time cannot exceed 3 months, and continue to deposit time or call deposits for the excess part.

On the basis of the above, buy life insurance, health insurance, accident insurance, and children's education funds for yourself and your wife.

After having a down payment, you should consider buying a house, such as buying a house, you can't interrupt the forced savings, I hope this habit will continue, and at the same time continue to buy bank wealth management products. At this time, you need to consider investment, art, **, **or**fixed investment, **, **, foreign exchange, bonds, trusts and other products can be considered, you must be suitable for your own risk tolerance, choose a few to try.

It is recommended that you choose the first regular investment, hand it over to the expert financial management, make medium and long-term investment, more stable, if the risk tolerance is high, you can consider a more risky variety, such as **, etc., if you operate yourself, it is estimated that you are more likely to pay tuition. No matter what product you buy, it is recommended to leave it to an expert. These can solve the problem of one's own pension and children's education with their parents.

On the basis of the above, with the down payment for buying a car, you can consider buying a car.

Hope it helps.

I wish you a high fortune!

Financial management is a Chinese word for financial management, which refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance. Orange type.

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Wealth management refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance.

I don't really know how to pay off my student loans. Don't pay interest.

Can it be repaid in a few years, or can it be repaid all at once in a few years?

Your case has a monthly balance of 1400

It can be distributed like this.

500 banks.

300 insurance.

300** fixed investment.

300 as savings specifically for loan repayment.

It is also possible to store in a bank with a bank. It can also be made as currency**, so that the interest rate is higher.

The meaning of the first picture is that since the necessary cash holdings are relatively low, then the company does not need to hold too much cash, and can distribute these cash as cash dividends, note that this ** profit or more appropriate is cash dividends or cash dividends, not earnings or profits, in fact, there is a sentence before this paragraph "will be able to increase the amount of dividends", to be issued refers to cash dividends, there will be more optimistic expectations for dividends, that is, dividends will increase. For the ** valuation model, most of the time the cash dividend is taken as the numerator part of the calculation formula, for the score, under the condition that other factors remain unchanged, the larger the numerator, the larger the calculated value, that is to say, since the distribution of cash dividends can be increased, since the dividend dividend will increase, then the valuation of ** will also increase accordingly.

In the second figure, due to the use of market activities, the annual earnings per share from the second period is US dollars, then the stock price per share of the first period = eps r=, it must be noted that in fact, the annual earnings per share of 10 US dollars from the first period are 10 US dollars, and the corresponding calculation of the stock price per share of the 0th period = EPS r = 10 US dollars, we must pay attention to the calculation corresponding to the time point.

The last diagram is actually trying to show that using eps r=p to derive p eps=r cannot be reversed to the conclusion, when p is arbitrarily positive, that is, when the stock price is arbitrarily positive, and eps is zero, then the calculated r will become infinity.

It must be noted that in fact, the dividends in the last few charts confuse income with dividends, and the most important thing is that it takes it for granted that the amount of income earned must be the premise of all dividends, but this makes it easy for readers to ignore this premise, so that income is equivalent to dividends, and most of the time in the actual dividend policy is that income is not equal to dividends. In fact, it is more accurate to replace EPS R=P with D R=P, which refers to cash dividends.