My surname Liu is 83 years old. I graduated in 2007. Now I am an ordinary worker in a public institution. I would like to ask a professional team to help you. Thank you.

Cash and demand deposits: 200K prepaid premium: 0 time deposit: 300K treasury bonds: no corporate bonds, funds and stocks: 15K real estate: no

Cars and appliances: total assets: 515k

Liabilities

Housing loan balance: monthly household income and expenditure statement for 100k households

income

My income: 2K other family income: no total: 2K

expenditure

Transportation cost: 350 yuan per month, medical expenses: medical insurance housing expenditure: 900 utilities: 300: Other: 450

Total: 2000

Household annual tax receipts and disbursements

income

Year-end bonus: to be determined, because the new company is less than a year's bond interest and share dividends: no price difference: no

expenditure

Premium: None

Education fee: None

Ask experts how to manage money, thank you.

Hello, it's my pleasure to do it for you.

From the information you can provide, you can see that your monthly salary is roughly equal to the monthly expenditure and there is no balance.

And your financial assets are mainly on deposits, and investment is more conservative.

From the perspective of assets and liabilities, we can see that your family debt ratio is low and the amount of money available for investment is large.

1. your monthly

2. in the existing assets, cash and demand deposits account for a high proportion. We generally suggest that mobile funds can meet the living expenses of 3-6 months. Therefore, it is recommended that you replan the cash and current deposits.

3. in your investment assets, corporate bonds, funds and stocks are only 15 thousand, which are relatively low in your financial assets.

In the current economic environment, when A shares have lower P / E ratio, we suggest that you can appropriately increase the proportion of investment in the capital market. The specific increase ratio can be determined according to your own risk tolerance and the ability to grasp the market.

4. your time deposit accounts for a large proportion of your entire financial assets, but the current time deposit interest rate does not satisfy our demand for investment and financial management.

It is recommended that you take part of the current deposit account and consider the banks offering financial products.

In purchase

1. financial products usually have a fixed term and can not be taken in advance. Therefore, when buying, we must give full consideration to the liquidity of the fund and do well in the long and short term matching.

2. there are many investment channels for financial products, and the corresponding risk levels are different. When choosing products, we must not only look at profits, but also take risks into account.