Miss Li asked: this year, 27 years old, single, as a sales assistant in a well-known company, there is no marriage plan at present. Miss Lee has a monthly income of 4000 yuan, and daily expenses of 1500 yuan. After several years of work, she has 30 thousand yuan in demand deposits and 20 thousand yuan in fixed deposits. At the beginning of last year, she also bought nearly 50 thousand yuan. Equity Fund At present, the fund is worth nearly 40 thousand yuan.

Living with parents without any family burden, the unit has health insurance, social security And so on.

Reply: Lin Ben, the network manager of the VIP financial centre of Chengnan Branch of CCB, believes that Miss Lee is in the initial stage of her career. Her income is greater than expenditure and her risk bearing capacity is stronger. The purpose of this stage is usually to accumulate funds for various financial purposes such as buying houses, buying cars, traveling or retiring for retirement.

Preparing for the emergency fund is the first step in financial planning. Generally it is 3-6 months' expenditure. Miss Li's current emergency fund is too abundant, and the emergency fund of 10 thousand yuan can be kept in the current account. At the same time, the current account is tied to the credit card, and the consumer credit card is used as much as possible in order to increase the credit score.

At present, China's capital market is showing a trend of upward trend with the recovery of the economy. It is suggested that Miss Li establish a relatively active investment portfolio. In addition to continuing to hold the old fund, it will retain 20 thousand yuan of time deposits (it is advisable to take the 1 year period appropriate, as the economic recovery will enter the next round of interest rate cycles), and invest another 20 thousand yuan in the recent issue of stock funds or index funds.

Miss Li can participate in the fund's fixed investment. The index fund is mainly based on an index fund of 1000 yuan per month and investment to 57 years old. Assuming that the annual average rate of return is 12%, it can accumulate 3 million 530 thousand yuan of pension.

Insurance is an indispensable risk management tool in financial planning. Although Miss Li has medical insurance and social security, it is necessary to perfect her own risk vacancy and supplement adequate commercial insurance. She suggests that Miss Li should focus on the protection of insurance, additional accident insurance and serious medical insurance. According to the principle of double insurance, the annual premium will be 5000 yuan or 500 thousand.