南方证券开户

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家庭月收入1万多 稳健投资10年攒够100万
2017-01-16 17:27:40   来源:

案例回看

HAOJIUMEIGENDAJIAFENXIANGANLIGUIHUALE,JINTIANWOMENLAIKANZHEIYANGYIWEIHENHUILICAIDENIANQINGMAMADEGUSHI。

YUEYUE,SHIHAOGUIHUADEFENSI,TONGSHIYESHIWOMENDELAOPENGYOU。YIQIANYEZIXUNGUOGUIHUAJUNGUANYULICAIDEWENTI,XIANZAIXINDEYINIANLE,TAZHUNBEIJIXUJIAYOUZUOHAOJIACAIDAGUANJIA,SUOYIYOUXIEXINDEWENTIXUYAOGUIHUAJUNDEBANGMANG。

南方证券开户WOMENXIANLAIKANYIXIAYUEYUETIGONGDEJIATINGSHOUZHIHEZICHANQINGKUANG,BIAOSHUDEHENXIANGXI,GUIHUAJUNZHENGLICHENGLIANGGEBIAO:

除此资产外,月月还把家庭的实物资产也提供给了规划君,主要是:一套市值550万的自住房,一套市值160万的学区房(投资用)以及一辆市值11万的汽车。

  CHUCIZICHANWAI,YUEYUEHAIBAJIATINGDESHIWUZICHANYETIGONGJILEGUIHUAJUN,ZHUYAOSHI:YITAOSHIZHI550WANDEZIZHUFANG,YITAOSHIZHI160WANDEXUEQUFANG(TOUZIYONG)YIJIYILIANGSHIZHI11WANDEQICHE。

理财目标

1、JINNIANXIANGYAOXIANJIZIJIGOUZHIBAOXIAN,KANLEHAOGUIHUATUIJIANDELIANGKUANZHONGJIXIAN,NABUDINGZHUYI,QINGGUIHUAJUNJIXIEJIANYI,BENREN33SUI,XUANXIAOFEIXINGDEHAISHIZHONGSHENXINGDE,JIANYIBAOESHIDUOSHAO?HAIXUZAITOUBAOSHOUXIANMA?

南方证券开户2、XIANGJILAOGONGPEIZHIYIGEYIWAIXIAN,QINGGUIHUAJUNTUIJIANCHANPINHEDUOSHAOBAOEBIJIAOHESHI?

3、10NIANNEI,CUNGOUDIYIGE100W,BINGQIEJIHAIZIZANXIA30WJIAOYUJIN。

南方证券开户4、DUIBIWODELICAIMUBIAO,XIANZAIWODEZICHANPEIZHIYOUSHENMEBUHELIDEDIFANGMA?YINGGAIRUHEDIAOPEI?

JIEHEYUEYUEJIADESHIJISHOUZHIHEZICHANQINGKUANG,GUIHUAJUNJICHULERUXIAJIDIANJIANYI:

1.财务状况良好,建议继续保持当前收支

GENJUYUEYUEFALAIDEZICHANHESHOUZHIQINGKUANGKAN,MUQIANJIATINGDEZONGZICHAN(ZANQIEBUSUANSHIWULEIZICHAN)GONG36.32WANYUAN,FUZHAI38.6WANYUAN,SUIRANDANKANFUZHAILVBIJIAOGAO,DANYOUYUMEIYUEFANGDAIWANQUANYOUGONGJIJINZHIFU,BINGBUHUIJIJIATINGDAILAIEWAIDEJINGJIFUDAN,YINCIZHENGTIKANJIATINGDEFUZHAIYALIBUDA。

南方证券开户SHOUZHIFANGMIAN,MUQIANMEINIANDENIANZONGSHOURUWEI20.76WANYUAN,NIANZONGZHICHU11.3WANYUAN,NIANJIEYU9.46WAN,JIEYULVYUE46%,SHOUZHIQINGKUANGLIANGHAO。SUIZHEYIHOUGONGZISHOURUHELICAISHOURUDEZENGJIA,JIEYUZIJINYEHUIGENGDUO,ZHEIDOUYOULIYUJIATINGZICHANDEJILEIHECAIFUDEZENGZHI。

2. 重疾险,建议选择「健康之享重大疾病保障计划」

南方证券开户GENJUYUEYUEFALAIDEJIATINGCAIWUHEZICHANQINGKUANG,ZAIHAOGUIHUAMUQIANZAISHOUDELIANGKUANZHONGJIXIANZHONG,GUIHUAJUNTUIJIANANBANGBAOXIANDE「JIANKANGZHIXIANGZHONGDAJIBINGBAOZHANGJIHUA」。YUANYINYOUER:

YISHI,ZHEIKUANZHONGJIXIANYIDAYOUSHIZAIYU,TOUBAOHOUDIERNIANBAOEFANBEI。JUGELIZI:ANZHAOYUEYUEMUQIAN33SUIDENIANLING,BAOEXUANZE30WAN,BAOZHANGQIXIANZHI80ZHOUSUI,20NIANJIAOFEIDEHUA,MEINIANYAOJIAODEBAOFEISHI7817YUAN。DIERNIANKAISHIZHI80ZHOUSUI,ZHEIKUANBAOXIANDEBAOEJIUHUIFANBEIZHI60WANYUAN,XIANGDANGYUNIHUALE30WANBAOEDEQIAN,MAILEYIFEN60WANBAOEDEZHONGJIXIAN。XINGJIABIHENGAO。

ERSHI,SUIRANHUAXIAGUANAIBAOSHIYIFENZHONGSHENZHONGJIXIANBINGQIEHAIFUJIASHENGUBAOZHANGHEJIBINGZHONGMOQIBAOZHANG,XIANGDANGYUYIFENSHOUXIAN,DANSHIRUGUOZIJIYOULICAINENGLIDEHUA,MEIBIYAOMEINIANDUOJIAOBAOFEIQUMAIGEZHONGSHENSHOUXIAN,KUANGQIEGUANAIBAOSUONENGTIGONGDESHENGUPEICHANG,YUANBUJIDANDUGOUMAIZHONGSHENSHOUXIANDEBAOECHONGZU。YINCIZONGSHANG,GUIHUAJUNTUIJIANYUEYUEBENRENXUANZEJIANKANGZHIXIANGZHONGDAJIBINGBAOZHANGJIHUA。

ZHIYUBAOE,KAOLVDAOMUQIANZHONGJIDEPUBIANZHILIAOFEIYONG,JIANYIXUANZE30WANWEIYI。

是否还需购买寿险?

ZHEIYAOKANZIJISUOCHENGDANDEJIATINGZERENHESHIJIJINGJIQINGKUANG。RUGUOBENRENSHIJIATINGDEZHUYAOJINGJILAIYUAN,BINGQIECHENGDANZHESHANYANGFUMUHEFUYANGZINVDEZHONGREN,NEIMEYOUBIYAOEWAIXUANZEYIFENBAOZHANGQIXIANZAI20-30NIANDESHOUXIAN,RUGUOBENRENWUXUCHENGDANQUANBUZHONGREN,NEIMEJIANYIJIJIATINGSHOURUZUIDUODENEIGERENPEIZHIYIKUANSHOUXIANJIKE。

3.给老公配置意外险,「安心无忧」很合适

南方证券开户YIWAIXIANKEYISHUOSHICHULESHEBAOYIWAIZUIJICHUDEBAOZHANGLE。YINCIWULUNSHIXIAOHAI、LAORENHAISHINIANQINGREN,DOUYAOPEIZHI。

ZHEIKUANANXINWUYOUYIWAIXIAN,BAOZHANGFANWEIHANGAIYIWAISHENGU/CANJI、YIWAIYILIAOHEYIWAIZHUYUANJINTIE,BAOZHANGHENQUANMIAN,BINGQIEYOUSANZHONGBAOZHANGFANGANKEYIXUANZE,FENBIESHIJICHUKUAN、ZUNXIANGKUANHEHAOHUAKUAN。BUTONGFANGAN,DUIYINGDEBAOEBUTONG。

南方证券开户ANZHAOYUEYUEJIAMUQIANDEQINGKUANGKAN,JIANYIJILAOGONGGOUMAIHAOHUAKUAN,BAOFEIYINIAN180YUAN,KEYIHUODE30WANYIWAISHENGU/CANJI、3WANYIWAIYILIAOHE180YUAN/TIANDEYIWAIZHUYUANJINTIE,XINGJIABIJIAOGAO。

南方证券开户QISHICHULEYIWAIXIAN,JIANYIYUEYUEHAIKEYIGENJUJIATINGDEJINGJIZHUANGKUANG,ZAIKAOLVJILAOGONGXUANZEYIKUANZHONGJIXIAN,BIJINGCONGXIANSHIQINGKUANGKAN,MUQIANJIALIHAIYOUFANGDAIYAOHAI,HAIZIYAOYANG,KENENGSHUANGFANGFUMUWEILAIYEYAOYOUFUQIERRENSHANYANG,DUOZHONGYALIXIA,FUQIERRENSHEIFASHENGFENGXIANSHIGU,DOUHUIJIJIATINGZAOCHENGJINGJIFUDAN,SUOYIJINANZHUDEBAOZHANGYEYAOQUANMIANYIXIE。

南方证券开户JUTIZHONGJIXIAN,TONGYANGKEYIXUANZESHANGSHUTUIJIANDE「JIANKANGZHIXIANGZHONGDAJIBINGBAOZHANGJIHUA」。

南方证券开户ZONGSHANG,BAOXIANPEIZHIHOU,JIATINGMEINIANDEBAOFEIZHICHUDAYUEWEI1.6WANYUAN。YUEZHANJIATINGNIANZONGSHOURUDE8%,FUHEBAOFEIZHICHUDEBILI。

4.资产配置整体良好,高风险资产建议缩减

南方证券开户WOMENXIANSHUOSHUOYUEYUEMUQIANDEZICHANPEIZHIBA。XIANYOUDE36.32WANYUANZICHANZHONG,GAOFENGXIANZICHAN,BIRUJIJIN、JIJINDINGTOU、HUANGJIN、GUPIAOZHANJIANGJIN57%,WUFENGXIANZICHAN,BIRUXIANJINHEHUOQIYUEZHAN7%,ZHONGDIFENGXIANZICHAN(GUDINGSHOUYILEI)YUEZHAN36%。

虽然当前的资产配置整体看比较合理,也符合月月的风险承受能力,但是考虑到未来资本市场仍然具有不确定性,而家庭支出可能会有所增加(比如额外的保险费用),因此建议适当减少一些高风险资产,特别是股票上的投入,转而增加中低风险资产的配置。

南方证券开户  SUIRANDANGQIANDEZICHANPEIZHIZHENGTIKANBIJIAOHELI,YEFUHEYUEYUEDEFENGXIANCHENGSHOUNENGLI,DANSHIKAOLVDAOWEILAIZIBENSHICHANGRENGRANJUYOUBUQUEDINGXING,ERJIATINGZHICHUKENENGHUIYOUSUOZENGJIA(BIRUEWAIDEBAOXIANFEIYONG),YINCIJIANYISHIDANGJIANSHAOYIXIEGAOFENGXIANZICHAN,TEBIESHIGUPIAOSHANGDETOURU,ZHUANERZENGJIAZHONGDIFENGXIANZICHANDEPEIZHI。

南方证券开户JIJINDINGTOUYAOJIXUJIANCHI,GUPIAOZICHANKEYIGENJUXINGQINGZHUBUJIANSHAO5WANYUANZUOYOUDETOURU,ZHEIBIQIANKEYIZHUANTOUZHIP2PZICHANZHONG。XIANJINHEHUOQIDEZIJINLIANGBAOCHIDANGQIANDESHUIPINGJIKE,YINWEIANZHAOYUEYUEJIAMEIYUE4000YUANDEZHICHUJINEKAN,2.47WANYUANDEZIJINLIANG,FUHEJINJIBEIYONGJINDEXUQIU。

南方证券开户DIAOZHENGHOU,GAOFENGXIANZICHANYUEZHAN43%,DIFENGXIANZICHANYUEZHAN50%,WUFENGXIANZICHANZHAN7%。

如果我们假设高风险资产的年收益为15%,低风险资产为8%,无风险资产为2%,那么该投资组合的平均年收益为10.5%。

  RUGUOWOMENJIASHEGAOFENGXIANZICHANDENIANSHOUYIWEI15%,DIFENGXIANZICHANWEI8%,WUFENGXIANZICHANWEI2%,NEIMEGAITOUZIZUHEDEPINGJUNNIANSHOUYIWEI10.5%。

5.10年内攒够100万,给孩子攒30万教育金,不难实现

南方证券开户WOMENXIANPAOKAIYUEYUEJIAMEINIANDEJIEYUZIJIN,DANCONGJIATINGXIANYOUDEZICHANLAIKAN,36.32WANYUAN,ANZHAODIAOZHENGHOUZICHANZUHEDESHOUYILV10.5%JISUAN,10NIANHOUDEZONGZICHANGONGJI98.57WANYUAN。

南方证券开户TONGLI,RUGUOWOMENJISUANJIATINGNIANJIEYUZAIWEILAI10NIANDEZENGZHIQINGKUANG,BAOQUXINZENGDE1.6WANYUANBAOFEIZHICHU,NIANJIEYUAN7.86WANYUANJISUAN,ZAITONGYANGDENIANSHOUYIXIA,10NIANHOUJIEYUZIJINDEZONGHEJIANGWEI128.3WANYUAN。ZHEIHAIBUSUANQIJIANGONGZIDEZHANGFU,WULUNSHIZANGOU100WAN,HAISHIDANDUJIHAIZIZANGOU30WANDEJIAOYUJIN,DOUNENGSHIXIAN。

QISHIYUEYUEMUQIANDELICAISILUHAISHIHENQINGXIDE,XIANZAIYAOZUODEJIUSHIJIANCHILICAI,HELIGUIHUAJIEYUZIJIN,MUBIAOCAINENGQINGSONGSHIXIAN。

南方证券开户YISHANGJIUSHIGUIHUAJUNJICHUDEJIDIANJIANYI。ZHUYUEYUE,BAOKUOSUOYOUHAOGUIHUADEFENSIMEN,2017NIANLICAISHUNLI,JIARENJIANKANGKUAILE!

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