Mr. Wang is the head of an enterprise department. His annual income is 250 thousand yuan, with five risks and one gold. After the baby was born, the wife began to do it. Full time wife 。 At present, families spend more than 10 thousand yuan a month without any loans. At present, Mr. Wang is most concerned about whether their family can buy a bigger house in the future. Meanwhile, how to improve the insurance coverage of family members?

　 　 Financial management objectives :

1. At present, Mr. Wang has a 100 square meter apartment in the South Second Ring Road of our city. He hopes to replace 150 square meters of housing within three rings.

Two, only Mr. Wang has more insurance coverage at home, hoping that experts can provide a scientific family security plan, especially the pension plan for the couple.

[expert financial scheme]

China Minsheng Bank Chengdu branch Fu Yan, China Financial Manager

Room change plan: first, clear the time and method to achieve the goal of changing rooms. If the existing housing is retained, the new house will be purchased through loans, and the rent after the rental of the existing housing will be used to pay the monthly loan repayment fund. If the old house is sold, it is assumed that the capital gap of the new property will be about 500 thousand yuan, because it is necessary to achieve the goal of changing houses in a relatively short time. It is suggested that the investment structure should be mainly based on the robust products and the yield fluctuation will be smaller: assuming that the current available investment funds will be 200 thousand yuan, the annual yield of the financial products sold by Minsheng Bank will be 9%, the total principal and interest in the 3 years will be 259 thousand yuan, and the 100 thousand yuan in the income and expenditure balance fund will be invested in bond funds annually, with an annual yield of 5%-8%. Suppose room change after 3 years.

Pension planning: social security system, personal accumulation, and commercial insurance system constitute the modern social pension system. The contents of commercial insurance will be introduced in detail later. Let's first look at how to plan for retirement through personal accumulation. Pension planning is a long-term investment process. Products that are suitable for long-term investment undoubtedly include the fund's fixed investment, while the index fund of fund products is the preferred product. As a passive investment product, it not only has lower transaction costs, but also can get more than a few active investment products in the long run. In terms of investment structure, the proportion of investment with increasing age and risk is decreasing. For example, at 40-50 years old, the proportion of index funds can be around 60%-50%; the proportion of bond funds should gradually increase to more than 60% before the retirement age from 50 to 60, and the investment of index funds will be reduced.

　　 Insurance Planning Mr. Wang now has five risks and one gold, mainly to protect his own future medical care, basic pension, unable to give consideration to his family. Insurance planning is mainly about the management of family risks. Protection is the main characteristic. In the future, if Mr. Wang's income is interrupted or drastically reduced, how can he protect his family from enjoying a comfortable life? From the "household expenditure method" to estimate the total insured coverage, household expenditure mainly includes: daily living expenses, spouse, children's support, children's basic education, disease treatment, debt liability and so on. By calculating the ratio of premiums to household income, we can judge whether premium premiums are reasonable. Usually, premium premiums do not exceed 1/10 of annual household income. On the choice of insurance coverage, the life insurance cost is lower than that of the whole life insurance; the education gold insurance is to be insured from the very early age of the child; from the perspective of the pension, the life insurance with dividend function can be selected.