How Can We Make Good Money In A System Of Life?

　　 classic case

Reader: Mrs. Tan: I am 29 years old, my husband is 32 years old, my daughter is 1 years old. My husband and I are an AA system. Before marriage, the husband is responsible for all expenses. After marriage, two people want to have economic freedom, do not want to pay their bills, nor do they want to argue about the economic problems. They agree that the family expenses after marriage are handled by the husband, and we do not interfere with each other's income and expenditure.

At present, my husband works in an enterprise. The monthly income after tax is about 9000 yuan, and the bonus is unknown at the end of the year. I work in a unit with a monthly income of around 4500 yuan after tax and 20 thousand yuan at the end of the year. There are one suite before marriage, all of them are small apartments, all of which are provident fund loans. I have a monthly supply of 1800 yuan, after the completion of the hedge fund to pay 700 yuan per month. His provident fund is 2400 yuan, which basically can offset the monthly payment.

The expenditure is that children and myself spend 700 yuan on human relations, insurance and monthly payments, with a total monthly expenditure of 2200 yuan. The cost of the husband is not clear, but according to the observation, the family expenses will be paid around 1000 yuan, and the family expenses and personal expenses will be about 2500 yuan per month. I would like to ask you the gold medal financier of the newspaper in the following two aspects:

1. 35 years later, we may have a second child program. At that stage, two children will have to concentrate their spending, especially if the first child has more education expenditure, and how to accumulate education funds.

2. If become a family of four, small apartment is not enough, there may be room change in 5 years. Because we are doing provident fund loans, do not want to repay the loan ahead of schedule, according to the new mortgage policy, such as whether to sell a suite is still three suites? integration ?

　 　 Financial Planner give counsel

Adopt the combination of "steady + dream" Financial management mode

The family tax has a revenue of 182000 yuan, a net annual expenditure of 68400 yuan, and an annual net income of around 113600 yuan. If we adopt a prudent financial management strategy, we should focus on fixed income investments such as bank time deposits, guaranteed earnings, wealth management products and treasury bonds. The advantage is that we can basically guarantee a stable life. The only drawback is that the quality of life will fall into the trap of public life. That is to say, at some time, we need to restrain family consumption impulse, for example, tourism will be mainly domestic tourism. Therefore, it is suggested that the family adopt the idea of "robust + dream" combined financial management. Prudent financial management is the main body. Seeking dreams is a space for some imagination in life, so that dull life can produce brilliant sparks from time to time.

1. Set up the family dream fund. Now there are many opportunities in the stock market, and the stock market risk is not terrible. The key is to choose the suitable investment method.

The main goal of the dream fund is to pursue "fantastic high returns". In general, the annual stock market investment is limited to 15% of the annual net income of the family. Taking the family's annual investment in the stock market for 12000 yuan as an example, according to the 60 year old retirement calculation, it can invest 30 years and invest 360 thousand yuan. The dreamlike income interval is 5 times, 10 times, 20 times earnings three grades, that is, the pursuit of 1 million 800 thousand yuan, 3 million 600 thousand yuan and 7 million 200 thousand yuan. To achieve this high yield, it is difficult for big blue chips to meet the requirements. The small cap stocks are too risky for the long term holders because they are too risky. Therefore, it is suggested that the main investment direction should be small and medium sized stocks, which will buy 12000 yuan small and medium sized growth stocks each year, and invest in the long term. During the period, they will consider selling the stocks with more than 100% investment income, and buy new small and medium sized growth stocks in good time.

2. The education fund can be accumulated in the form of "preferred stock + treasury bonds", investing 20 thousand yuan a year, of which 10 thousand yuan invested in treasury bonds, 10 thousand yuan invested in blue chip preferred stock, and 6.5% to 8% after the dividend yield of preferred stock dividends. Taking into account the threshold of personal investment of preferred stock is 5 million yuan, the proposal to select preferred stock investment funds and borrow funds to invest preferred shares. It should be noted that the first batch of preferred shares is expected to be listed in November, and the issuance dynamics of preferred stock investment funds should be paid attention to.

3. In regard to the new housing loan policy, China's housing loan policy has been adjusted, among which families with 1 housing units and the corresponding housing loans have been settled. In order to improve the living conditions, apply for loans again to buy ordinary commercial housing, and implement the first suite loan policy; therefore, after selling a suite, the loan will not be considered as the three suite.

However, we need to remind the family that we should pay attention to the impact of property tax on future life. For example, Shanghai now does not collect taxes on the first suite. Therefore, the property tax in the future is likely to be tax free for the first suite or tax-free per capita area, so holding two sets of small apartments is very uneconomical. Considering the purchase of third suites, the impact of property tax will be greater. It is suggested that instead of changing rooms for 5 years, it is better to change rooms now. We can consider selling two sets of small apartments and changing them into large ones to improve their lives and reasonably avoid property taxes. Otherwise, once the property tax is fully levied, it will be uneconomical to pay tax on small family property and taxable large apartment property.