Annual Income Of 200 Thousand Families: Investment Through The Fund To Effectively Avoid Risks

Ms. Ren's family is a family of three.

Husband and his work income is relatively stable, family annual income of 200 thousand yuan, spending about 100 thousand yuan.

A private car, 160 square meters of housing, a deposit of about 200 thousand yuan, the stock investment of 100 thousand yuan, art.

Ms. Ren hopes to allocate household income reasonably and make effective investments in spare parts. Do I wonder if the fund is suitable for investment?

Financial analysis

From the analysis of family investment structure, Ms Ren pays more attention to financial management and more investment channels.

Ms. Ren's children are going to primary school, and the family will face the rigid cash outflow of their children's education, so they should be prepared as soon as possible.

Miss Ren attaches great importance to insurance.

Financial planning

According to the educational cost of the children in the city now, the education plan is about 50000 yuan, which is calculated by the annual tuition fee growth rate of 4%, which will cost 87000 yuan at that time.

So Ms. Ren should spend 340 yuan per month in the next 14 years to prepare for the children's University expenses under the condition that the rate of return on investment is 6%.

Insurance plan insurance accounts for about 10% of the revenue, and the insurance amount is about 10 times the income. This is the tenth principle of insurance.

It is suggested that Ms. Ren can choose insurance types based on this principle.

Ms. investment should reduce investment in stocks, bank deposits and artworks, and increase investment in funds and financial products.

Bank deposits suggest that the emergency reserve should be maintained at 50 thousand yuan and the rest can be invested in other financial products.

Although retirement planning has a long time to retire, it is recommended to consider preparing pension funds.

About 40 thousand yuan a year can help to break even after retirement.

Financial tools analysis

Due to the low risk and long term benefits of the fund, it is suggested that the cost of junior high school to college and the pension cost can be prepared by the fund's fixed investment method.

The fund's fixed time limit is more than 3 years, which can effectively avoid risks.

It is recommended to invest regularly in some funds with better performance in the past.

Such as the fund of Morgan fund, Huaxia Fund, Yi Fang Da fund and GF fund.

The stock market has experienced a sharp rise in 2006. In 2007, although the general trend is good, it is inevitable that shocks will be consolidated. It is suggested that investment balance funds should be taken to avoid risks, but part of the investment in equity funds can share the growth of the stock market.

As a new financial tool, brokers' wealth management products are not known to all, and the number of issuing funds is far less than that of open funds.

Because the investment channels of financial products of securities firms are more than those of open-end funds, we can consider some mixed type non restrictive brokerage products or restricted financial products.

Bond funds generally yield more than Treasury bonds, and the risk is lower than that of equity funds. They can consider investing part of bond funds to avoid the risk of stock market.