Answer:
1, domestic liquidity is 6000 yuan only, ability reflects your family to cope with the financial crisis zone risks is not enough, is proposed based on this increase 10000 imprest more appropriate.
2, insurance. You buy a personal health insurance at present for you and your loved one, proposed to increase the risk of accidental injuries. General for earners, the purchase of commercial insurance should be in the year 10% of income, your home insurance situation seems slightly inadequate, in this case the family cash rich, can increase the endowment insurance.
this netizen, Hello, thank you very much for your trust. For your information, we do the following financial advice for you:
3, currently you invest in the stock market in 100000, direct investment stock market risk. General retail investors will always be a $two flat seven compensation. Therefore, we suggest that you reduce the stock investment, or sold, the closed-end fund discount rate to higher investment allocation. From the transaction characteristics,<a href="http://www.gaeanallusions.com/images/graph/bottega-veneta-sayihu-outlet-15.html">ボッテガヴェネタ長財布</a> http://www.gaeanallusions.com/images/graph/bottega-veneta-sayihu-outlet-15.html, base and shares can be traded at any time, simple operation and transaction rates far below. In addition, the discount rate is another big advantage base, has the obvious characteristics of high price.
I am 33 years old this year, 34 year old husband, demand deposits 6000,<a href="http://www.beasport.com/champions/class2a1a/miumiu-bags-outlet-31.html">ミュウミュウ店舗</a> http://www.beasport.com/champions/class2a1a/miumiu-bags-outlet-31.html, fixed deposit 100000 (including 36000 children for education). The existing three sets of housing, home (the current market price of 150000), a suite (rent, price 200000), a set of forward delivery housing (2011.3 delivery, loans 310000, price 500000). My income is relatively stable, 30000 years, the unit to pay insurance; her husband is in car sales, annual income of the lowest 100000, unit to pay insurance. The family income in 1600 yuan, her husband in the field, household spending is only a child and I. The annual insurance (life insurance and risk sharing) spending of 8000 yuan, three people have. Month owing on the loan of 2700 yuan. The stock investment of 100000 yuan. Please help recommend: financial management division of family property allocation is reasonable? I also want to buy a car, how to achieve?
net friend:
4 planning, purchase a car. Except for the family reserve fund 90000 deposit, can be considered part of the funds combined with the stock market brought a car, according to your current family income, to pay the cost of keeping a car. Is worth reminding, purchase a car, household spending at least need to increase 1000 yuan.
5, long-term planning. According to the above planning calculation (appropriate insurance expenditure and costs of keeping a car), your family savings in around 5000 yuan. Recommended monthly this part of the funds for the fund is scheduled to vote. This cost can be used as a children's education and future wife's pension. After 2 years, your third sets of real estate after the launch, the family can also increase the rent income, believe that living expenses will be more comfortable.
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