Single Parent Mother Finance: Do Investment Fund + Insurance To Ensure That Life Is Free From Worry

Ms. Tao's single mother

Ms. Tao has a good idea.

With her daughter's growth, Ms. Tao felt that collecting educational funds for her daughter became the primary financial goal of her family.

At the same time, with the growth of her age, Ms. Tao also began to care about her pension problem.

Analysis of financial planner

Ms. Tao has two financial problems.

Shen Li seriously analyzed Tao's situation and said that from the case of Ms. Tao, we can see that education and pension are the key issues in the course of Ms. Tao's financial management.

Ms. Tao's current investment has two prominent problems:

1, asset allocation is unreasonable.

Ms. Tao said that the risk bearing capacity is low, and she hopes to reduce investment risk. However, we will analyze the investment situation of Tao, and find that 80% of her funds are invested in a high-risk market. According to the formula of "investment in equity products, which is =100-'s personal age", Ms. Tao's investment is simple and risky.

2, there is a serious shortage of protection.

Ms. Tao has a lot of pressure to raise her daughter alone. Although her income is stable, her income is single, and her ability to resist risks is not strong enough.

Although the unit's welfare and security is sound, she has paid four risks and one gold, but as a daughter's spiritual and material pillar, her mother's growth course will become very difficult if any accident happens, so Ms. Tao needs to increase her health and accident protection.

Define three financial concepts

Shen said, first of all, Ms. Tao needs to make clear three points: 1) risk is directly proportional to earnings.

Investment should give full consideration to the liquidity, security and profitability of the product; 2) the importance of asset allocation.

Diversify investment types, effectively reduce investment risks; 3) implement financial management plan according to the plan, and timely adjust financial planning.

Financial prescription

Suggestions for preparing daughter Education Fund

1, prepare emergency funds.

The emergency reserve fund is critical to any family's short-term living expenses under any emergency.

Now Ms. Tao has 30 thousand yuan in demand deposits, but the interest rate on demand deposits is very low. It is suggested that the deposit be divided into two days for 7 days notice deposit and three month automatic deposit deposit. At the same time, it is suggested that credit cards be prepared for rainy days.

2, reduce investment in stock market and turn it into a robust investment product.

With better growth stocks, the rest of the stock will be cleared gradually, and the stock market funds will be controlled to 3-4 Yuan period. The blue chip fund has better performance and can continue to hold, enjoying the better return on investment brought by the sustained development of China's economy.

Shen Li suggests that we can continue to invest in equity funds and share the benefits from the capital market through professional operation of the fund's expert team.

If you want to adjust your fund, Ms. Tao can choose the following 3 kinds:

First, the stock index ETF has the advantage of low cost and the best average yield in the long run.

Recommendation Fund: Shenzhen 100 (159901 fund bar, quotes, information, heavyweight shares) ETF, ICBC Shanghai and Shenzhen 300 (love, net value, information).

Second, invest in hybrid funds.

Recommended Fund: Huaxia return (002001 shares, market, information, main trading), Huaxia bonus (002011 shares, market, information, main trading).

Finally invest in equity funds.

Recommendation Fund: China Renaissance (000031 stocks, quotes, information, main trading), growth of ICBC (481004 shares, market, information, main trading), ICBC Credit Suisse core value (481001 shares, market, information, main trading).

3, the funds that can be pferred from the stock market can be used to purchase trust products and bond financial products issued by banks. If we want to control risks and gain more profits, we suggest buying bond funds, such as ICBC, China hope (001011 shares, quotes, information, main trading), and Bo time credit, etc. the fund's return on investment over the past year is between 5-10%.

4, 10% allocation of gold investment products.

Gold has dual attributes of commodity and currency.

On the one hand, gold is recognized by more and more investors as an investment variety, and gold can enjoy a stable investment income.

On the other hand, the appreciation of gold has a certain hedging effect on currency depreciation. Gold investment is a good measure to resist inflation.

Suggestions on pension and security

Ms. Tao lives frugally, with a monthly balance of 2500 yuan, which is a stable source of funds for investment. Ms. Tao, taking into account her own investment plan, should take into account her pension and insurance premiums as follows:

1, the monthly fund of 1500 yuan fixed investment

This is a well known method of managing finances. If you insist on investing, you will have a considerable profit from fixed investment.

The fund's fixed investment is a simple way to accumulate wealth by using the principle of compound interest. Although it can not rapidly increase the wealth, it can bring unexpected results through the accumulation of time.

Shen Li believes that with the coming of the post split share structure era, the prosperity and rapid expansion of the stock market will alternately push the market into a period of rapid development.

Therefore, long-term adherence to the fixed investment plan can make full preparations for the daughter's University graduation, re education and entrepreneurship, as well as Tao's pension.

Index funds and equity funds are recommended as bidding.

2, improve the security plan.

First of all, take out 10% of the annual income as an annual accident and sickness insurance to prevent accidents from causing too much harm to families.

Secondly, it is recommended to insure the bonus annuity insurance in the name of the daughter, such as China Life Insurance (601628 shares, quotes, information, main trading), "happy life" products, annual payment of 6000 yuan, payment for 12 years, guarantee to enjoy 75 years old, and 333996 yuan at maturity, which can enjoy 105336 of the maximum insured period, and it is also an effective way to guarantee investment.