Monthly Income Of Four Thousand Yuan Female White-Collar Financial Management: Choose A Relatively Stable Fund To Invest.

Case study:

Liu Yongying, 28, is a IT programmer of a company. At present, his monthly income is around 4000 yuan, and his monthly expenditure is about 2500 yuan. The existing cash and deposits are 40 thousand yuan RMB, with fixed investment.

In addition, Liu Yongying is currently living with his parents and has plans to marry his boyfriend next year.

But she has been worried recently because her boyfriend is unemployed at home, but her boyfriend has 100 thousand yuan deposit.

The parents have prepared their wedding rooms for them, without loans.

She plans to have a child within one or two years after marriage, and hopes to change her apartment in 5 years and not know how to manage her money. In this regard, Bank of China Financial Planner Xing Xinsheng made financial planning for her.

Solution:

First of all, we need to solve Liu Yongying's cash planning problem.

After she married her boyfriend, she should first establish family reserves.

According to household expenditure, it is suggested that 12 thousand yuan should be set aside as a family reserve to protect household's daily expenses and emergency money supply. This part of the money can be selected by current account and Monetary Fund.

And Liu Yongying intends to marry one or two years after the child, for her proposed children's education plan, from now on, from around 1000 yuan for the fund to vote.

On the specific investment varieties, it is suggested to choose a relatively conservative partial stock fund or index fund, with a ratio of about 65%, and a partial debt fund with a ratio of about 35%.

According to the annual compound yield of 6% - 7%, the funds accumulated after 5 years can meet the needs of higher education for children.

From Liu Yongying's information, she has some experience in stock investment, and suggests that she invest 50 thousand yuan, mainly buying some large cap stocks and blue chips, probably buying 2 to 3 stocks.

In addition, according to Liu Yongying's current family balance, if he is not promoted or not, he can accumulate about 300 thousand yuan in 5 years. Assuming that he wants to purchase 600 thousand yuan of real estate, he needs to borrow 300 thousand yuan, and the monthly repayment amount is around RMB 2000 yuan.