Husband and wife start a company annual profit 6 million

This year, Mr. Shaw, 40, is the owner of a shoe company that has been operating for 5 years, with an average monthly income of 500 thousand yuan.

Mrs. Shaw assists Mr. in charge of finance.

Mr. Xiao owns a self occupied housing estate, 20 years mortgage, a monthly repayment of 4000 yuan, has been repaying the loan for 5 years.

The existing car costs about 2000 yuan per month, which is subsidized by the company.

Other expenses are 3000 yuan per month.

Mr. and Mrs. Xiao did not take part in social insurance two, nor did they buy commercial insurance.

Mr. Shaw has 2 children. His daughter is 16 years old. He reads Gao Yi, his son is 12 years old, and he is in grade six.

Mr. and Mrs. Xiao's parents live in rural areas, and have no fixed income. Every month, Mr. Xiao sends 4000 yuan alimony to their parents.

target

Public and private finance "separation" early retirement

Like many private entrepreneurs, Mr. Shaw always mixed her money and company's money. In addition to Mrs. Shaw's monthly salary of 3000 yuan, Mr. Xiao himself did not have any salary. All expenses were paid from the company and included in the operating expenses. Even the car was purchased in the name of the company, and the daily expenses of the family were mainly paid by Mrs. Xiao's wages.

In addition, because of the fierce market competition, Mr. Shaw always feels a lot of pressure, hoping to retire early at the age of 55, and make sure that 10 million can be used to provide for the aged.

give counsel

Pay wages and investment for yourself.

Trick 1: part of the proceeds turn to personal income.

In business seas, risks are always available.

Mr. Xiao's family is a typical public and private household. Family finance and corporate finance are mixed together. On the surface, it can save taxes, but it actually conceals great risks. Once a company fails because of its failure in operation, it will jeopardize the financial foundation of the whole family.

It is suggested that Mr. Xiao pay himself a reasonable salary every month. He can also receive dividends at the end of the year, converting some of the company's income into his own income, and this part of his income is strictly separated from the company account.

The usual cost can still be paid by the company, but its income can be retained for other financial allocation.

Trick two: building a family security system

Mr. and Mrs. Xiao did not participate in social security, nor did they purchase commercial insurance.

At present, Mr. Shaw is old and small, and the burden is heavy. Once the accident or health risks happen, the company will be unable to continue to operate, and the family will face the danger of losing their source of life.

It is suggested that Mr. Shaw buy some commercial insurance for his wife and his wife. The insurance configuration is based on accidents, major diseases, hospitalization, plus regular life insurance with a higher premium. Mr. Xiao himself's life insurance amount is calculated on the basis of the sum of the remaining mortgage balance, the family's 20 years' basic living security and the child's education cost.

Trick three: buy annuity insurance plan early retirement

If we retire at the age of 55, there will be only 15 years left. It is suggested that we should reserve the pension from now on.

Generally speaking, the Pension Reserve is mainly based on safety and stability and should not be invested in high risk.

Through the year-end bonus, 1 million of the annual income of 6 million will be insured for annuity insurance for two couples, 500 thousand per person, with the other party as the beneficiary, and choose a shorter payment period.

If you can insure the growth annuity of the Taiping Life Insurance Company, choose 5 years' payment period and get it to 88 years old. The total amount will be over 10 million, which is equivalent to 10 million of the pension.

Through annuity insurance reserve pension, we can ensure that the funds are earmarked, not affected by other factors, nor affected by any debts, thus fully ensuring the safety of this part of the funds.

Trick four: wage balance appropriate investment

Since the family's basic expenditure has been paid by the wife's wages, if Mr. Xiao pays his wages every month, he can withdraw 20% of his income as a reserve fund for family emergency reserve, and the remaining part will invest or invest in gold products such as gold (215.89, -7.22, -3.24%, stock bar) and closed-end funds, so as to realize asset appreciation.

Recommendation 50% investment in closed-end funds, 20% for fund fixed investment (equity funds), 30% investment in gold (paper gold or physical gold).