Two-child families should ensure security and increase investment by 50 thousand deposits, which can be transferred to government bond deposit households _ Sina finance _ xinlang net

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Case: Mr. Xu is a company employee. His wife takes children at home. He has two children, two and a half years old and just two months old. Currently, the monthly household income is RMB 6000, and the monthly expenditure is RMB 2500. His wife will also go to work next year and his monthly income will increase by 3500 yuan. However, considering the children's education problems in the future, I want to buy a house in my hometown of Sichuan in the last two or three years. The total price is about 0.5 million yuan.

Now I only have a deposit of 50 thousand yuan, all of which are in the bank. I would like to ask the financial assistant to help me plan. How can I buy a house through financial management in the next three years?

Analysis: Mr. Xu's family has a stable income. At present, his family has a monthly balance of 3500 yuan. As their children grow up, their spending will increase in the future, after going to work, the wife can spend 3500 yuan of his wife's income on daily household expenses, which is narrow.

Financial Management: Mr. Xu currently has a deposit of 50 thousand yuan in his family. It is recommended that the investment ratio be enhanced, but security-oriented. It can be converted into Treasury bonds or bank-guaranteed financial products to improve earnings. Other balances can be used to purchase short-term financial management products, at present, the annual income of short-term financial products is about 5%. When his wife goes to work, his family's income will increase. Mr. Xu can perform financial management by referring to the "12-day deposit method. Every month, we pay 6000 yuan for a one-year period. After one year, we have 12 6000 yuan deposit orders in our hands. In the next year, every month, we will have a deposit order that will expire, and we don't need any money, you can automatically renew the expired deposit form, and add the 6000 yuan you want to save each month to the deposit form that expires in the current month, rolling deposits.

It not only enjoys the interest rate of time deposits, but also has enough funds available every month, not limited by time deposits. In this way, two years after his wife brought her children at home and two years after the 12-day deposit method, Mr. Xu's family could easily make a first payment for house purchases three years later. In addition, good financial management habits can help Mr. Xu's family accumulate more wealth.

Assurance: currently, Mr. Xu only has social insurance. It is recommended that commercial insurance be supplemented as early as possible. The insurance amount is 5-10 times of the annual income, mainly for consumption-type serious diseases and accidents, and for children who are young, mainly for accidents and medical care. The cost of dividend-based and lifetime insurance is relatively high. We recommend that you do not consider increasing the cost for the moment. Insurance should be purchased as soon as possible to pass on risks as soon as possible.

Expert: Jia Hong, Financial Planner of Anbang Life Insurance Beijing Branch, Jinghua Times reporter Niu Ying Hui