After the 80 s, girls will take the short-term value-added three steps to buy a house. This is the first step in Capital Value-added financial management _ Sina finance _ xinlang net

Sanxiang Huasheng all-media reporter Liang Xing correspondent Wang Qian

[Case materials]

Yin Yu, 28 years old, is an ordinary company employee in Changsha. Since entering the Society for five years, the monthly income has been around 4500 yuan, but due to diligence and thrift, the monthly balance can reach 3000 yuan, with a year-end bonus of 5000 yuan. At present, there are deposits of 0.18 million yuan, five insurances and one gold, and no commercial insurance.

Yin Yu is a local girl from Changsha, where her parents' salary is stable. Because I still live with my parents after work, I do not need to pay rent or mortgage. Although his parents are willing to provide accommodation, Yin Yu does not want to be a "neighborhood" and will pay his parents 800 yuan a month for "meals ".

[Financial Diagnosis]

Yin Yun's work income is stable, and there is a stable cash flow every month. In addition, I am good at "throttling", so there is a certain amount of deposits that can be freely controlled. However, due to the absence of any financial planning, funds are idle and cannot be effectively used. Although the savings rate is high, the overall savings cannot resist inflation and the return rate is low, basically, it is impossible to preserve and increase the value of assets.

In addition to "Five insurances and one gold", Yin Yu has no commercial insurance and insufficient insurance. Therefore, we recommend that you increase the security.

Three major steps for financial management

　　Short-term target capital appreciation

Personal statement:

Life is very self-disciplined, with a small amount of extra expenditure, but not good at financial management. Ask the financial management personnel to provide guidance so that funds can be added in the short term.

Financial advice:

Yin Yi has a good habit of saving money, so in the past five years, he has accumulated a sum of money that can be used to invest in financial management. At present, there is a total of 0.18 million yuan. We recommend that you adjust the configuration proportion slightly to place 75% of assets on fixed income products, and 0.18 million RMB for investment of 0.135 million RMB in less volatility investment types, lay a stable tone for the entire investment portfolio, such as bank entrusted financial management and bond funds.

In addition, we can invest about 20% billion yuan in batches to increase the overall income by gradually investing in investment varieties with relatively high risks and high expected income. For example, you can choose stock funds and precious metal investment. In addition, about 5% RMB is invested in currency funds or high-liquidity varieties that can be redeemed in real time for the emergency.

　　Medium-term target purchase plan

Purchasing demand:

Three years later, we plan to mortgage a small apartment and then live independently.

Financial advice:

Yin Yi plans to purchase a small-sized second-hand house in three years. If he buys a 70 m²-square-meter house, the total price will be calculated based on the unit price of 7500 yuan/square meter. At that time, the total price will be about 0.55 million yuan. It is recommended that Yin Yi apply for a mortgage loan from the bank, with a down payment of 30%, which is equivalent to 0.17 million yuan.

A down payment is post-paid with a mortgage of 0.39 million yuan and a loan term of 29 years. Currently, the benchmark loan interest rate for 29 years is calculated as 6.55%, and the monthly subscription after purchasing a house is about 2500 yuan. You can use Yin Ying's monthly salary balance of 3500 yuan to pay for the monthly subscription. After the completion of the house purchase plan, Yin Yu can be used as a financial investment and other investment goals of a total of 80 thousand yuan, Yin Yu monthly salary balance and annual year-end bonus of 5000 yuan.

　　Long-term goal

Long-term Plan:

We hope to establish a pension plan so that we can easily cope with the future.

Financial advice:

Given that Yin Yun is still young and has a medium-term target of Self-mortgaged housing after three years, it is recommended that the accumulation of pension be started after the house purchase plan if the accumulation of pension is relatively high now. In addition, because pension accumulation is a long-term process, the family and assets of investors will change significantly over the past few decades, this part of funds can be easily used for other purposes, so it is recommended that the accumulation of pension must be sustained, forced savings.

After the completion of the house purchase plan, Yin Yun can still use the remaining 80 thousand yuan for Pension Planning. According to the fixed investment portfolio of the construction fund, the expected 6% annual income can be calculated, from the age of 31 to the age of 60, you also need to invest 470 yuan a month for the accumulation of pension.

　　Risk Prevention

Consumable accident insurance

Since there is already a certain amount of pressure on existing funds after the implementation of the House Purchase and elder care planning, we recommend that you first purchase consumer-type accident insurance. This type of accident insurance for single young people, in addition to a small economic burden, it also has the advantage of flexible investment.

We recommend that you configure critical illness insurance if conditions are met after the accident. Data shows that the trend of rejuvenation is obvious in recent years, and young people should be well protected as early as they are healthy. Therefore, we recommend that you configure critical illness risks as appropriate.