With the rapid development of social economy, the per capita income level and social security benefits are gradually improved, and more and more people begin to invest in financial management. So, how to do a good job in financial planning? The following is a case I shared with you. Welcome to read and browse.
Financial planning case
Mr. Zhou, aged 28, is an engineer in a Fortune 500 company in Shanghai. His monthly after-tax income is 8000 yuan, and the company pays five insurances and one gold. Give parents 2000 yuan for living expenses every month, 1000 yuan for their own use. At present, there are 654.38 million yuan in cash and demand deposits and 50,000 yuan in time deposits. Mr. Zhou lives with his parents at present. Faced with enormous work pressure, Mr. Zhou hopes to retire early at the age of 50 through reasonable financial management and appropriate investment.
Target: 1, preserving and increasing the value of family assets. 2. Increase the sense of family security. Retire at the age of 3.50 and reserve a pension.
Financial planning analysis
According to the financial planner, Mr. Zhou is still single. Because I live with my parents, I have no mortgage pressure and no other liabilities. However, Mr. Zhou will get married and start a family in the future, and his expenses will also increase. Although the company has paid social endowment insurance, according to the current pressure of rapid price increase, it is not enough to rely on personal income in the future.
Mr. Zhou's income is 96,000 yuan/year, his annual expenditure is 36,000 yuan, and his annual balance is 60,000 yuan, accounting for 62.5%, which is 30% higher than the general reference value. In addition to personal income, families have no other sources of income, no investment, and more idle funds, so their ability to increase the value of family assets is low.
Financial planning suggestion
1, cash plan
Family cash planning is mainly to prepare family emergency funds, usually for 3-6 months. The financial planner suggested that Mr. Zhou could prepare an emergency reserve of 65,438+0,000 yuan to deal with family accidents. In addition, Mr. Zhou's monthly balance of 5,000 yuan can be used for zero deposit and lump sum withdrawal, or for monthly fixed investment, with an annualized rate of return of 6.8%. In five years, he can save up to 35 1.850 yuan, enjoy the benefits brought by compound interest, insist on fixed investment for a long time, and reserve his own pension.
2. Insurance planning
Mr. Zhou also strengthened personal protection. In addition to the basic old-age insurance, it is best to allocate health insurance and accident insurance, and do a good job in personal risk protection planning. For the family to buy insurance, the insurance financial planner said that referring to the Double Ten Law, the insurance premium is generally about 10% of the annual income, and the insured amount is 10 times of the annual income.
3, retirement pension planning
Mr. Zhou plans to retire early at the age of 50. Besides hard work, promotion and salary increase, he should also make good use of idle funds to invest in Qian Shengqian. At present, Mr. Zhou has a current deposit of 1 1,000 yuan and a fixed deposit of 50,000 yuan. Financial planners think that it is too conservative, so they should increase the proportion of risky assets investment and allocate low-risk wealth management products, such as bank wealth management products. The investment threshold is 50,000 yuan and the annualized rate of return is generally around 5%. If the investment is 60,000 yuan 1 year, the income will be 3,000 yuan. If Mr. Zhou can persist in financial management and save more money, his investment funds will also increase, and he can switch to products with higher investment threshold and higher returns, such as national debt, with an annual interest rate of 5% for three years and 5.4 1% for five years. Small trust products, the annualized rate of return is about 8%; Fixed-income wealth management products, with an annualized rate of return of 10% and an investment of 654.38+10,000 yuan. 1 year will have an income of 1 ten thousand yuan, so as to obtain higher income, accumulate retirement pension and further improve the quality of life now and in the future! Through the above financial planning provided by the financial planner, as long as Mr. Zhou insists on financial management for a long time, not only will his family security be enhanced, but his assets will be preserved and increased, and he can retire early at the age of 50.
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