current relatively special case, but also show the pressure of today’s young people are facing. Lin Feng childhood living in single-parent families, and grandmother have been living together since childhood experience to life is not easy, so many sensible than their peers, young people, early turned his personal financial planning.
investment and finance reporter Chen Wei
need help Lin Feng look how his two funds, long-term adherence is scheduled to vote whether it is worth?
need to make a diagnosis of pension insurance, endowment insurance to see whether he bought suits him; If illness and accident insurance, and how to plan?
car he wanted marriage, what to do?
26-year-old Lin Feng career in 2009 after graduating college CNC machinery, work on state-owned enterprises into a three-tier cities in Anhui. Monthly deduction of the “insurance policy”, he can get 3200 yuan wages, usually 700 yuan per month for living expenses, the remaining money will do a more detailed plan.
last December, he began to conduct equity fund investment, each Fund will vote 500 yuan per month. Galaxy industry’s current market value 2301 yuan, 1454 yuan Southern medicine. Sunshine Insurance Lin Feng also bought a 10-year period of rich gold rose participating endowment insurance, 5023.4 yuan per year. Do regular physical examination every year, costs 1,400 yuan.
“I have a $ 400 monthly housing fund, now about 8,000, plans to take out money to buy the fund. planing to fixed investment funds, life balance every month will basically buy Monetary Fund. monetary fund yields also Yes, much better than in banks. “Lin Feng IMF currently has 20,000 yuan, and 12,000 yuan deposit.
Currently, Lin Feng mainly before marriage this event. Lin Feng and his girlfriend have been getting along more than two years, is expected next year after getting married. On the ground, the man marry a wife, you need $ 100,000 gift to the woman, which is not a small number.
The only thing Lin Feng somewhat relaxed, he bought a house early, the first payment is to purchase and mother Lin Feng Minato, several relatives also supports a number of current loans have been repaid. Today, the 80-square-meter house in the local value of around 36 million. Grandmother and mother have a pension, now do not need to take care of, when he got married, but also to support his mother and grandmother.
Lin Feng to save money, do not want to get married feast, afraid the other parent does not agree, which makes him relatively distressed, I feel the pressure. Many local etiquette, feast spend relatively large, it is possible to get married Lin Feng years of savings run out.
Lin Feng plans to get married, buy a car worth 100,000 yuan, and consider buying a large dangerous or accident insurance, the cost can withstand a year in 7000 dollars.
he hopes financial planner can give an overall planning program, there are plans to execute their own good together.
security planning: Consider the consumer’s regular health insurance and accident insurance
Liuqi Bin Heng An Standard Financial Planner He Jiaqi Kai Shek wealth wealth manager
Liuqi Bin: I do not recommend the first young people to buy an insurance policy is a pension insurance, as for individuals, the more difficult to buy insurance must be bought as soon as possible. What is “harder to buy”? Human health will decline with increasing age, the insurance company guarantees insurance rates will increase and decrease with the age of customers and changes in the health index, “the more difficult to buy,” the insurance refers to health insurance.
Lin Feng career and family pressures are present, priority should be to work hard on health insurance and should not do too much paper in the pension insurance, use of funds. Lin Feng suggested considering consumer’s regular health insurance and accident insurance, in addition to saving money, but also the effective use of the insurance company’s leverage, pass individual risk, cost control within a month salary of $ 3,200 can be.
He Jiaqi financial planner: Lin Feng is currently purchasing this product as Sun Life annuity newly developed financial plan, the main risk, “Kim Seung-rich annuity bonus type” and accompanying risks “additional wealth account annuity C models universal type” a combination of both annuities and universal insurance double advantage.
Kim Seung-rich primary insurance annuity guarantee features include: 10 days after get the insurance policy, the customer can get the first life annuity, equivalent to 30% of the basic insurance amount. That is, the sum insured for Lin, can get 1507 yuan per year of life annuity, mid constantly, until 10-year maturity, and then returned to 100% of the premiums. Meanwhile, the main risk is also very humane increased premiums for policyholders exempt security function, if the insured during the payment, due to an accident resulting in death or total disability, all outstanding premiums are exempt from the latter, not the interests of the contract of insurance affected, according to the return of the collar, take photos dividends.
additional risk functions are mainly wealth accumulation. The life annuity payments each year, and the first phase of an additional premium bonuses are automatic and free access to universal insurance financial accounts, enjoy day compounding interest compounded monthly value-added benefits, which account provides the industry’s highest security at the end gain 2.5%, and the first five years is expected to yield not less than 5%.
the same time, any time, as long as customers need money, you can freely receive from the account at any time, convenient and flexible, policy remain valid. Insurance including death or expiration, the return value of personal accounts of all funds. Meet in the insurance expires, the expiration of the insurance beneficiary may apply for an annuity conversion needs.
Therefore, from the point of view of preservation, Lin purchase insurance or suitable to hold, but the customers in addition to this insurance does not configure any other critical illness insurance for themselves. For Lin’s case, given the following programs:
recommended configuration ICBC AXA – Royal cubic protection scheme. First, it serves as a critical illness insurance, then insurance, customers can enjoy three critical illness insurance. Meanwhile, if the insured person is first diagnosed, unfortunately meets contract major diseases, will be exempted from the date of the premium received from the disease diagnosed in the remaining policy year Royal cubic insurance plans. Secondly, the extensive coverage to protect 40 kinds of major diseases.
estimated as follows: Mr. Lin 26 years old this year, the sum insured for their purchase of 20 million ICBC An AXA “Royal Cube” security program to protect the insurance contract to Lin’s first full 88 years after the age of anniversary date.
Lam Select 30 years pay an annual premium to pay 5,376 yuan (payment amount customers affordable range).
Lin obtained as follows:
I. Lin unfortunate if a major disease for the first time will receive $ 200,000 in insurance money and the cumulative annual dividends. If the unfortunate event of a major disease again, after the addition of premium exemption can still get a second $ 200,000 in insurance money. Up to three payments, totaling $ 600,000.
case two, if the customer dies, the death benefit will be $ 200,000, the cumulative annual dividends, end bonus.
case three, if the insurance expires, customers will get full insurance of $ 200,000, the cumulative annual dividends, end bonus.
such a security system, I believe that to meet the demand, and the need to pay the annual premiums are affordable range.
investments: two funds can insist on fixed investment, fixed investment may also consider index funds
take a look at the Galaxy the fund industry. It was founded in April 2009, including a number of professional fund rating agency Morningstar, Galaxy, Haitong, investment and other 3-year ratings are the highest rated 5 stars. Since the establishment of the growth rate of 117.39 percent, this year the growth rate reached 6.82 percent, are located in the same performance ranking highest in a long time.
the same time, the fund manager’s investment style is growth-oriented, focusing more on the company’s long-term growth. The fund is a boom industry and by investing in the industry is expected to boom in the competitive enterprises to share the growth of China’s economy. Through the various sectors of multi-level qualitative and quantitative analysis, judgment boom conditions of the industry, on this basis, the implementation of flexible and dynamic sector allocation, select the boom industry competitive enterprises to invest, you can get a healthy return on investment. So the whole, continue to adhere to recommended Lin Feng fixed investment.
then look south medicine. As the South’s first fund company’s Healthcare Fund, which style is balanced stock and bond funds, the ownership percentage 14.88%, invests primarily in securities of pharmaceutical and healthcare industries. As people’s living standards improve, increasing health awareness, higher quality pharmaceutical products and services have a new demand, which will further promote the development of pharmaceutical and healthcare industries, so that the value of equity investments in the health insurance industry is more prominent.
according Wande data show that the market has been in operation and has the results to be investigated five medical theme funds this year to get the average yield of 33.5%, significantly ahead of similar common stock fund 16.36 percent average increase over the same period. So the whole, the fund risk and the expected long-term average rate of return is lower than stock funds, higher than bond funds, money market funds, recommends that customers continue to hold.
two funds are scheduled to vote, one stock, the other belonging to stock and bond balanced funds, in combination, are active offensive configuration (fund investors to the stock market, the initiative to buy the corresponding stock). Personally believe that the Fund will vote or using index funds is more appropriate, it is more suitable for long-term passive Attack investment (fund movements linked to certain types of index component index above 300 index card, etc.), and small fluctuations.
proposed change 1-2 only index fund investment, large companies should be on the issue of choice, for a long time in the market to follow the performance of the index fund category. On fixed investment channels, Lin Feng proposal to fund online accounts, online banking bundling their fixed investment is better, because the monthly handling fee is low enough in the long run, can save a considerable amount of costs.
plan to purchase: Loans to buy a car is king
Chinese people do not like debt, so buy something to develop a habit of paying the full amount, only young people like loans. But whether you have the ability not the ability, should the loan to buy a car.
Do not ignore inflation
us an account balance: if we put 100,000 yuan into the new cars, new cars depreciate in ignoring the premise, two years later, the original purchase of $ 100,000 has been devalued to 84,000 yuan (by one year CPI increased by 8% basis). But if you are a car loan, this part of the losses borne by the bank. Of course, the bank will charge a fixed interest rate, but you can also use bank financing the balance of treasure and other means to fight, if you encounter some of the interest-free models, it is a sure win. Thus, the future is worth only 84,000 yuan of money to buy $ 100,000 worth today is a good deal of things.
reasonable car finance loans
car does not have a value-added potential, if consumers have enough money to buy a car full amount, as by way of loans, save money, make other investments. For example, a loan to buy a family car around 150,000 yuan. If a bank loan of $ 120,000 five-year period, according to the current monthly interest rate 5. 025 ‰ per month 2538.50 yuan loan principal to be paid to the bank, the average monthly pay interest 306.526 yuan, five-year interest payments to banks totaling 18 391. 56 million, an average annual interest payment 3678.31 yuan. Accumulate their daily income, can make other financial planning.
proposal can be selected with car installments. For example, customers can apply for a credit cards, then apply “car purchase easy,” according to the cardholder’s bank credit situation, to enhance its credit card installment facilities to meet the cardholder purchase installments specified brand car dealer needs.
Just take some
cardholder fees, car payments to repay the monthly installments, repayment fully relieve the pressure. Meanwhile, car dealers will be different from time to time launched various promotional activities, fee waiver or reduced installments. Lin made the following estimates of:
Lin intends to purchase 100,000 vehicles, down 40%, ie loans 60,000 yuan, can be divided into up to 36 monthly payments. Fee of 7% of the repayment amount is only a single 1,783 yuan, 4,200 yuan of the total fee.
this way, the purchase of vehicles to meet the needs of customers, while customers continue to invest surplus funds can accumulate wealth.