Borrow 200 thousand, pay 3000 a month, how much is it?

Wealth is not the patent of the rich. Every ordinary family has "money" to manage. So, how will different families and different industries manage their finances? Binjiang Finance Department standardizes the types of ordinary working families and gives financial solutions for all income groups. The annual income is 50,000. From the analysis of absolute stability, the financial requirements of Binjiang payroll, the general concept of financial management and family tradition do not have the risk-resistant and absolutely healthy family financial management needs. It is suggested to make a monthly expenditure plan. In addition to normal expenses, the rest should be divided into several basic family funds for necessary investment and financial management. At present, the prices of stock and futures markets are not very good. The greater the risk, the lower the affordability of working families. Therefore, investment in insurance, funds and bonds can consider narrow risks. There are four reasons: first, there are government bonds, especially bonds, and the interest rate of bank deposits is slightly higher than that of the same period. You don't have to pay 20% interest tax, so you can buy short-term bonds at home with less money; Counter book-entry treasury bonds are convenient to purchase, trade and trade, with strong liquidity, appropriate term and appropriate intervention price. Second, funds, in view of the low risk tolerance of working-class families, from the current market situation, it is recommended to buy partial debt funds. Third, if you have foreign currency assets, it is recommended to buy structured deposits from foreign currency banks, such as the "Li Feng Department" of the Agricultural Bank of China. Insurance investment can be divided into two situations: for young people who have just entered the society, recommending appropriate life insurance can not only meet some basic safety, but also force them to save and buy in advance at a lower interest rate. In addition, you can also choose some accident insurance to alleviate the accidents caused by the financial crisis; For ordinary working families, the public has been established. It is suggested that insurance expenditure accounts for about 65,438+00% of household income. You can consider buying old-age insurance, critical illness insurance and accidental injury insurance. Insurance should focus on the role of adults as breadwinners, not children, and generally do not advocate buying life insurance for children. The middle-income class can choose financial products with moderate risks according to the income situation of urban and rural residents. The middle-income class is characterized by: 654.38+10,000 families, stable income, and annual bank deposit income of 200,000 yuan. Jiang Bin said that the goal of such family financial management is to maximize the preservation and appreciation of family wealth under moderate risks. This kind of family has a high risk tolerance, so they can choose products with medium risk and high income, and exchange risk for income. Take a family with 200,000 deposits as an example. In today's era of low interest rates, it is undoubtedly a waste of resources for banks to spend all their money. It shows that after three years, 4 million deposits will be reserved as emergency reserves for long-term investment, insurance, funds and various structural deposits, and the rest will be mainly funds. One is capital. It is recommended to buy a capital preservation, low partial debt and allocation fund. The risk is moderate. Please consult a professional and choose the one with good performance. Second, in terms of insurance, it is recommended to purchase the product category of long-term dividend annuity insurance. Its products include not only fixed returns with higher returns, but also dividends. Therefore, the retirement age and the annuity received by the insured will fully guarantee the old age. Adults and families can choose to buy critical illness insurance, accident insurance and children's education annuity to cope with the expensive college tuition in the future. Third, structured deposits. It is suggested that banks should launch RMB wealth management products and foreign exchange wealth management products, and buy suitable products at moderate interest rates during the selection period. The basic characteristics of high-income groups should be diversified financial management of high-income groups: at least 200,000 families own two or more properties, and their annual income and bank deposits exceed one million dollars. For such families, Jiang Bin said that in terms of risk resistance, there are more savings funds for investment and banks have sufficient funds. It is suggested to adopt a diversified investment portfolio. You can combine real estate with other financial products and industrial investments to make structured deposits and collections. Because of the high family income and strong risk tolerance, you can choose products with higher risks, and the risks and benefits are always in direct proportion. If we get an appropriate return on relative venture capital, it will be considerable. It should be pointed out that they work too long every day. Because of high income earners, their work pressure will be much higher than that of normal people, and their health status is not ideal. Therefore, it is very important for these people to buy insurance, especially health insurance, to provide protection for their health and life. However, we should pay attention to several points: insurance, universal life insurance can be bought at a high price, and medical insurance and accidental injury insurance can be supplemented to ensure a stable life for ourselves and their families; Funds, due to the current weak stock market, temporarily wait and see stock funds, and then enter the market when the stock market is strong, you can also choose performance stock funds, some of which are more stable when bargain hunting; If the local price is moderate, choose a good location for long-term investment; The collective wealth management products or trust products launched by brokers have high returns and low risks, but the threshold for high thresholds is generally above 200,000. People who enter high income choose to buy part of the investment.