Financial Planning Should Choose The Right One.

Case 1 moonlight white collar

Miss Liu is 24 years old and has worked for 2 years. Her savings are almost zero.

The monthly salary is more than 6000 yuan, but apart from eating and rents 2000 yuan per month, the remaining Miss Liu is used to buy clothes and skin care products, and when she goes to "grain out" every month, her shopping card is even more crazy.

Her parents, who were so far away from home, often say that she spends money lavishly, and Miss Liu herself is very upset. "It's not that I don't want to save money, but I don't have this habit and no one is pushing me."

Financial advice:

Miss Liu is a typical "moonlight clan" and has no financial experience and wealth management habits.

Financial advisers of Dongguan branch of China Construction Bank think that financial management is also a choice of money view and lifestyle. Everyone will have their own different choices. It is suggested that Miss Liu carefully comb out the monthly expenditure of the family and see which items are necessary and which are dispensable and wasteful.

After making clear the expenditure, we should minimize unnecessary expenditure.

The financial planner of Dongguan agricultural business suggests that Miss Liu can pass.

GF bank's financial planner suggests that gold products can be tried.

Investors have a low starting point for single investment and are more flexible in setting investment.

In the fixed investment time, investors can choose quarterly, monthly, weekly or daily investment. In the form of fixed investment, investors can choose to invest by weight or by amount. The initial investment is 1g or 100 yuan.

Most suitable for Miss Liu is the "mandatory savings" feature of this product. Investors can not save their savings by way of fixed investment.

In the long run, gold has an obvious anti inflation function, and gold is more convenient, flexible and easy to cash in than many financial products.

The investment threshold of gold fixed investment business is low, sharing investment cost and dispersing risk, reducing the possibility of being caught by buying at a high point, and investors can get the stable income from gold value enhancement through long-term investment.

Case 2 single parent family

Zhang, a 29 year old single mother, has a 5 year old son in kindergarten.

Ms. Zhang is a media practitioner. Her monthly salary is around 8000 yuan, her mortgage is 2000 yuan, her monthly living expenses is about 2000 yuan, her child's training and education cost is 1500 yuan, and her ex husband pays 1000 yuan to his son every month.

In addition, Ms. Zhang has a deposit of more than 50 thousand yuan.

Financial advice:

Children's growth and education is the core purpose of their financial management.

Every insurance company has a variety of special insurance policies for children, such as ping an century Angel child insurance (Bonus), for children aged 0~17, the basic insurance amount is 100 thousand yuan, 10 years, and the annual premium is 24420 yuan.

The basic insurable interest includes 12000 yuan of life insurance premiums for the insured, which can be paid to life. Death insurance: the insured is killed before the anniversary of the 18 year old insurance policy, and the insurance premium is returned at an annual rate of 2.5% yuan, which is 25030.50 yuan in the first year of the insured, 131257.50 yuan in fifth years, 277777.50 yuan in the tenth year, and so on. After the anniversary of the insured year of the insured year, the insured person receives the death insurance on the anniversary of the insured year (including the anniversary of the insurance policy of the 18 year), and receives the insurance premium according to the basic insurance amount of the insured person, namely, the.

3 cases of households

Guo and her husband married soon, and now opened a foreign trade clothing store in Guancheng, the monthly net profit is 15 thousand yuan, the monthly living cost is about 3000 yuan, and the monthly need to prepare about 5000 yuan for the purchase; because buying houses earlier, the mortgage has been paid in full.

In addition, there was a deposit of 70 thousand yuan. Ms. Guo and her husband paid for the down payment. Because of the rising oil prices and other factors, they changed their minds and planned to use the money to manage their finances so as to buy cars after the money was born.

Financial advice:

According to the financial analyst, this group of people has relatively high liquidity requirements.

Financial advisers of the Dongguan branch of China Construction Bank suggest that the low risk financial products such as open asset portfolio financial products can be selected for free redemption. According to the different days of holding financial products, the expected annual yield of customers is between 2.05% ~4.05%.

At the lower risk level, the initial purchase of individual customers is 50 thousand yuan, increasing by an integer multiple of 1000 yuan.

The starting point for legal person purchases is 100 thousand yuan, increasing by an integer multiple of 10 thousand yuan.

In addition, it can also choose non fixed term RMB financial products.

ICBC Dongguan branch financial planner believes that individuals with no fixed term RMB financial products are suitable for customers with short-term capital requirements and high liquidity requirements.

Buy instant pactions, that is, enjoy the proceeds, redeem immediately, and funds are used.

The price of the product is 50 thousand yuan, and the annual yield is expected to reach 1.8%~2.2%.

The product has the advantages of "current deposit liquidity + time deposit profitability", which is suitable for the daily idle capital investment.

The expected rate of return is nearly 4 times that of the current interest rate of 0.36%. If interest rates are raised, the proceeds will rise, showing good profitability. The cost is different from that of the open fund, and the subscription and redemption are free.

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Case 4 ordinary three families

Mr. Wu and his wife had been married for 10 years, and their son had gone to primary school. The monthly income of the family was about 12 thousand yuan, and the deposit was about 200 thousand yuan.

No car loan, no mortgage, family expenses 2500 yuan per month.

At present, a family of three lives in a house located in the old town where Mr. Wu's parents are staying. For more than 20 years, Mr. Zhang hopes to improve housing conditions by changing houses or decorating existing houses.

Financial advice:

Financial Analysis Division said that such people have a certain deposit, no mortgage loan pressure, but there are children's education, improve the actual needs of housing conditions, suitable.

Financial advisers from Dongguan agricultural and Commercial Bank suggest that personal notice deposits can be considered.

For example, the personal notice deposit of "Zhou Zhou to" in the bank has realized the mutual pfer of the current account and the notice deposit fund of the personal settlement account, and the automatic deposit function of the notice deposit fund. The client only needs to make a reservation with the Dongguan rural commercial bank for the current account, and does not need to go to the network to handle any formalities.

When the personal settlement account is deducted from the agreed reserve funds and the balance is greater than or equal to 50 thousand yuan, the system automatically records the part of the fund as a notice deposit, and the excess of the reserve amount as the deposit of the notice deposit is renewed again, and the interest rate is calculated at the seven day notice deposit rate.

At the same time, family investment insurance can also be considered.

For example, Ping An Life Financial Planner recommends that financial insurance investment in family insurance is the longest period of 5 years, with a minimum subscription amount of 5000 yuan, and an additional multiple of 1000 yuan. The amount of insurance varies with the change of investment income, which is 2 times the value of the insured's account share.

Every trading day is open to purchase and redemption business.

The stock assets investment ratio of the product is 0%~70% of the total assets of the account. The investment proportion of the debt class assets is 25%~95% of the total assets of the account, and the proportion of the cash and the government bond investment within one year is not less than 5% of the total assets of the account. This insurance product is in line with the financial needs of the family.

Case 5 retired elderly

Zhang Bo and his wife, 67, are retired teachers. They have spent 200 thousand yuan in their hard life, and the monthly salary of two people has increased by 5000 yuan.

Under the persuasion of their children, Uncle Zhang intends to give some money to try to manage his finances, but he is very cautious all his life except Zhang, who never went to the bank. He hopes to have short-term and flexible financial management and do not want to feel stuck.

Financial advice:

Having certain deposits and fixed income.

ICBC, for example, has a guaranteed floating income structured Renminbi deposit product linked to gold.

The starting point for the investment is 100 thousand yuan, increasing by an integer multiple of 1000 yuan. There are 35 days and 90 days to choose from. The starting point of investment is low and the time limit is moderate.

The degree of risk is low, investors can get a 100% security guarantee and a minimum investment income that is higher than demand deposits.

In addition, for large idle funds, low risk and highly mobile financial products can be selected, such as Bank of China's cumulative daily planned products, its yield is 2.1%, and the income level is higher than the seven day notice deposit.

Bank of China Dongguan Branch Financial Analysis Division believes that Japan plans to invest mainly in the money market, providing liquidity similar to demand deposits, which is suitable for investors who are more stable and higher than demand deposits.

"High flow and ready to take" is one of the highlights of the product. It can be purchased and redeemed from 9 a.m. to 3 p.m. every weekday.