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Reduce Stocks And Invest In Bond Funds

2010/12/25 16:21:00 40

Mr. Li is 32 years old, unmarried, doing business and earning about 150 thousand yuan a year.

Insurance

And medical insurance, there are two accident insurance.

There is a house worth 1 million 200 thousand yuan, the house has not been bought yet, and next year it needs to pay 100 thousand yuan, the stock is 200 thousand yuan, the deposit is 100 thousand yuan, the debt is 40 thousand yuan, and there is no debt.

Parents are farmers. They buy 1 major diseases insurance and no pension insurance.

I plan to join a company that produces energy saving furnaces this year, and the subscription amount of 300 thousand yuan is expected to start at about 30% next year.

[financial advice]

According to the simple information provided by Mr. Li,

Conduct financial pactions

What we should pay attention to are:

1., improve social security pension and medical insurance.

commercial insurance

In addition to accident insurance, regular life insurance and social security supplementary health insurance can be considered.

The family responsibility of supporting the elderly is large enough to buy accident insurance for their parents.

2. cash management, because parents do not have old-age security, family emergency reserve fund to stay, in addition to at least 3-6 months of living expenses, but also consider the daily maintenance of their parents' expenses.

The quota is determined according to the circumstances, and is held in demand, short-term deposits and IMF.

3., in terms of consumption expenditure, under the premise of retaining the emergency reserve fund, it is possible to arrange this part of the fund according to the purchase and decoration plan, and short-term deposits and IMF can be arranged.

4. Investment: adjust the investment portfolio according to the risk attribute. According to the financial market situation, if there are good industrial investment projects, industrial investment can be the main one.

In addition, after two years of soaring, China's securities market has been adjusted, with greater risk and no professional investment experience, and the proportion of stock investment should be reduced.

200 thousand yuan can be taken as an old-age pension fund, which can invest in ordinary bond funds, with low risk and better liquidity. It is a steady investment tool for the elderly.