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　　指导专家：毛燕晖中国银行北京分行科学城支行理财经理







　　【案例】手机腾讯网网友柳先生，工资月入1.5万，有两份兼职，一份年收入20万元；另一份每月1500元。日常支出每月3500元；房贷月供4000元；车险保养5000元；物业采暖5000元；人身保险每年支出10000元，不定项目支出20000/年。目前拥有房产价值200万，信托资产250万；现金1万。妻子年收入结余4万多。打算明年要孩子，担心学区房的压力。
　　柳先生打算明年要孩子，并准备购置学区房，有六年的资金准备时间。家庭资产中，高风险投资比例低，有充足的现金流，可适当增加高风险投资比例，以获取较高收益，如基金产品。
　　【理财建议】
　　京华时报[微博]记者高晨


　　目前柳先生家庭年收入共计43.8万；家庭年支出共计13万；家庭年结余30.8万。
　　建议柳先生每月做1万元股票型基金定投，每年共计投12万，假定年化收益率10%，6年以后，共计98.1万。鉴于债券市场风险相对较小，从去年以来，表现一直不错,知识付费，建议每月定投1万元债券基金，每年共计投12万，假定年化收益率6%，6年以后，共计86.4万元。
　　此外，考虑柳先生目前已有的信托资产250万，年化收益11%，6年以后共计467.6万。上述产品6年以后本息合计超过600万，够在孩子5岁时购买一套学区房。
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　　财务分析
　　从徐先生目前的理财价值观看，属于偏子女型，因此在理财规划中要优先安排子女教育规划。从徐先生的家庭财务分析，夫妻双方年总收入大约13万元，年总支出10.96万元，年节余2.04万元。月收入7500元，月支出5800元，月节余1700元。从徐先生的家庭资产看，储蓄存款合计65万元，房产60万元，合计资产价值125万元。
　　从徐先生的整体情况分析，徐先生有着较明确的理财目标，偿债能力强，流动资产比率高。目前家庭财富增值速度不快，属于家庭成长期，但是现有数额较大的可支配存款，可利用合理的投资组合，提高投资收益。
　　夫妇俩的疑问在于，是否提前置换学区房？“因为现在居住的地方离最近的小学比较远，考虑到小孩两年后的教育问题，我一直想要换置一套学区房。”徐太太告诉记者，先前一直没有置换主要是经济上不够宽裕，如今有了动迁款后她就开始仔细考虑换房的事情。
　　投资规划
　　固定资产规划
　　徐先生的儿子今年3岁，参加双语早教培训班每月支出为800元。其他家庭基本生活开销大约2000元，外出就餐、购物大约1000元，按揭贷款现金每月支出2000元，一个月的结余约1700元左右。
　　可以为子女购买一份子女教育保险―少儿分红教育金，选择年缴的方式，因为徐先生家庭年底都有奖金，年底较为宽裕。考虑到徐太太未来收入不稳定，可为其购买一份保额递减的商业保险如万能寿险，作为补充医疗的保障。
　　三湘华声全媒体记者梁兴通讯员许畅
　　本期点评：中国银行大河西财富管理中心理财经理蔡爽
　　理财案例
　　保险规划







　　可购置一套学区房，满足小学、初中、高中的子女教育的需要，目前学区带精装修的房间大约8000元/平方米，若购置100平方米的房子，大约需要80万，可以考虑按揭贷款，首付60%，大约48万，贷款40%、30年，按照等额本息还款大约每月还款2000元左右。现有自住房屋暂时先出租，租金用来偿还贷款。等到合适的机会再考虑出售，做为子女的教育金储备。
　　家庭资产方面，徐先生夫妇原有活期存款5万元，加上这次动迁获得的50万元补偿款，手边可随时动用的资金为55万元。此外，夫妇两人还有定期存款10万元及一套市值约60万元的自住房。
　　理财建议


　　“我们家属于长沙比较普通的三口之家，除去家里和孩子的日常开销，没有特别丰厚的家底。”据介绍，徐先生目前每月的税后收入基本在5000元左右，年终奖金大约3万元。徐太太每月工资约为2500元，年终会有一笔1万元左右的过节费。
　　应急资金
　　建议预留3―6个月的家庭支出，即大致预留35000元活期存款或购买一部分可随时赎回的货币基金，并配置相应额度的信用卡以备临时需要。
　　　　不久前，徐先生一家位于开福区的一套老房，终于走完了动迁的所有流程，徐先生一家也因此获得了一笔50万元的动迁款。对于收入并不丰厚的徐家夫妇来说，如何好好利用这笔不小的款项，进一步改善和保障小家庭今后的生活就成为了夫妻俩“快乐的烦恼”。
　　徐先生家庭每月可购买500-1000元的基金定投，建议购买股票型基金，年收益率大约8%。另外购买5万元的一年期理财产品，年收益率大约在5.5%左右,知识付费，可兼顾流动性和收益性。还可配置5-10万元中长期成长性较好的混合型基金。通过此类投资组合，满足家庭的投资需求。
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One of the leading shoe categories is the Adidas Superstar men’s collection. Here there are the Superstar 2 shoes. Their production began way back in the 1970s. If you look at their designs today keenly, they are not too far from that way back as most of the clients express satisfaction with its original designs. However the thing that can be said to have completely changed is the materials used in its production. The new recent shoe version possesses material that can be recycled in the upper part.
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　　如何最短时间里能在市里买房。
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　　在准备买房的2年时间里，邱小姐可以拿出部分存款适当进行一些投资，让闲置资金钱赚钱。比如家庭的6万元存款，到期后，可以选择银行理财产品，1年就有5%左右的收益。待第一年年底，家庭的这笔存款和收益以及家庭1年的年结余，总计约13万元左右的资金，就可以配置更高的收益的理财产品产品，就比如固定收益类产品，1年有10%的收益，13万投资1年到期收益1.3 万，远比定存银行收益要高出几倍。
　　邱小姐，今年26岁，山东聊城人，文员工作，每月收入2500元。老公每月收入5000元，夫妻俩都有社保。家中有个四个月大的男孩，平时都由父母照顾着，家庭每月生活开支2000元。目前家有活期存款2万元，定期存款6万元(包括结婚礼金等)，无其他投资。羊年，邱小姐家计划在短时间内在市里买房子，预计50万元，想咨询嘉丰瑞德理财师该如何理财呢？


　　2、部分存款用于投资
　　【理财案例】
　　3、家庭买房计划
　　分析了邱小姐家的财务情况，并结合家庭的理财买房计划，理财师给予了家庭以下几点理财建议：
[img][/img]
　　【案例分析】
　　【理财建议】
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liwei13866 - 2020/12/27 10:27:16

　　神武系统的提升对于玩家在屠龙战记当中整体战力的排行其实是有一定的影响的，想要在争抢BOSS、豪夺宝物的PK中不败。提升神武值也要重视起来!
    　　英明神武给予对手武力压制，棋逢对手PK占先机。在屠龙战记网页游戏中，神武排行能够对玩家PK产生影响。想要PK占优势的玩家，可以着重进行一番神武值的提升。
    　　想要提升神武等级，每天都必须要有对应的神武值入手。神武值每天是会有一定数量的消耗回收,最火的手机游戏排行榜，一旦神武值不够的情况下，会导致玩家的神武等级下降。虽然每天会有一定数量的神武值消耗，也会有一定数量的神武值掉落，等级越高掉落越高。
    　　加入帮会的玩家，还可以参加沙城争霸。不仅可以体验PK畅快淋漓的成就感，还可以入手神武值。

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liwei13866 - 2020/12/27 17:00:47

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liwei13866 - 2020/12/28 8:35:15

　　理财建议
　　两人每月总收入为7500元，无需供房、供车，两人一个月积累3500元并非难事，再加上年终奖，一年下来能累计到可观的62000元，家庭形成期阶段，风险承受能力比较高，可按照 “高风险70%+中低风险20%+无风险10%”的比例进行投资配置，购买股票基金、银行理财产品或P2P网贷，实现年化率7%的财富增值在情理之中。
　　1、制订理财计划









　　理财规划
　　中国银行平和堂支行理财师吴昊认为，小陈夫妻二人都是刚刚脱离父母、真正实现财务独立的“90后”，该阶段事业与家庭刚刚起步，尽管目前生活惬意，但也即将步入“上有老下有小”的人生责任最重阶段。你不理财，财不理你，家庭理财需趁早，先从学会记账开始做起，精打细算，适度消费，“会过日子”的人才能真正“过好日子”。
　　“90后”小家庭首先要制订理财计划，最好能用具体数字的形式呈现出来,知识付费，比如1年存10万，2年要宝宝预计准备10万元备用金等。可以将每月的家庭收入分三份管理：一是每月的生活开支；二是每月定期储蓄的资金，可以以基金定投方式进行储备；三是投资资金，可以让家庭闲钱增值，比如5万元可以购买年收益率5%左右的银行理财产品等。
　　3、共同管理账户
　　4月8日，长沙白领李绵在其个人微博上大呼，“公司一‘90后’都要结婚了，这让我们这些‘80后’的姐姐情何以堪？”事实上，“90后”正逐步成为结婚登记主力军，离开父母，小家庭该如何打理，又该怎样做好理财呢？
　　婚姻和恋爱区别很大，两人共同组建起了一个家庭，意味着两人也多了一份责任。“90后”应转变“提前消费”的观念，根据家庭的收入状况和理财目标，做到适度消费。待孩子出生后，可以提前准备孩子教育金，缓解未来孩子上学、家庭支出的压力。
　　案例分析
　　民政局数据显示，30-40岁人的婚姻最易破裂，很大一部分原因在于夫妻为了一些金钱小事扯皮，最终导致感情破裂。所以，为了减少家庭矛盾，建议“90后”小家庭可以建立一个共管账户，两人每月都固定拿出一笔收入放入共同管理账户，这样既可以省钱，又可以培养双方的感情。另外，一定要养成记账的好习惯。
　　4、多元化增值财富
　　“90后”的小陈和小周，今年都是25岁。2014年，两人组建了自己的小家庭。目前，小陈在长沙某网站工作，月收入4000元，小周在某旅行社任职，月收入3500元左右，两人都有五险一金，年终奖总计为2万元左右。
　　结婚时，双方父母为他们买好了婚房和汽车，所以他们生活安逸，无忧无虑。尽管处于“上不养老，下不养小”的生活，但目前小两口的状态是赚多少花多少，有时甚至还要父母给予一定的生活补助。两人计划明年要小孩，小陈犯愁“孩子出生后，可怎么养得起？”
　　对于像“90后”小陈和小周这样的年轻人家庭，父母帮衬很多，生活基本没压力，“做自己想做的事，过自己想过的生活，趁年轻好好享受”是他们的生活准则。但人生不是百米赛跑，起点高并不意味着最终就能赢得比赛，小陈和小周如果在消费观念上一直不改变，不重视理财，待到父母年老力衰，他们的生活将十分窘迫和难堪。
　　2、改变消费观念
　　理财案例
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liwei13866 - 2020/12/29 0:13:33

　　【理财建议】
　　【理财案例】
　　【理财目标】


　　展先生是一个典型的大龄单身男，事业也正处于发展阶段，收入还不错，每月4000元的房贷并没有给展先生带来任何经济压力。由于考虑到今后要结婚，要孩子，家庭开销会不断增加，为此想在婚前能通过一些投资积累到更多的资金，为家庭以后打好经济基础。嘉丰瑞德理财师表示，除了展先生要在工作中努力，收入能增加外；投资方面有点单一，只买了5万元的银行理财产品，建议再适当增加些投资；另外5万元的活期存款也要充分利用。
　　1、应急资金规划
　　家庭应急资金的准备是为了防止家庭意外时的应急资金需求。由于展先生收入较稳定，个人面临的不确定概率相对较小，嘉丰瑞德理财师建议将每月结余约4000元(每月收入1万左右，生活开支2000元，房贷4000元)存起来作为家庭应急资金。也可以购买货币基金，风险小，收益相比活期存款要高，年化收益率大概在4%左右，随用随取，是非常好的家庭现金管理工具。
　　3、保险(放心保)规划
　　展先生要想积累到更多的资金，努力工作，收入能增加才是最根本的。展先生要注重自我工作技能和职业素养的提高，花点钱投资自己，参加一些培训或者职称考试等，为升职加筹码。
　　1、计划明年结婚，并要个孩子，想为此筹集资金；
　　展先生，今年30岁，单身未婚，在一家重型机械企业担任机械工程师一职，年收入12万左右，公司缴纳五险一金。2012年买了一套婚房，父母帮助交了首付，现展先生自己每月需还房贷4000元，需还15年。和父母同住，每月生活开支2000元左右。年初5万元买了3个月的银行理财产品，还有活期存款5万元。展先生希望嘉丰瑞德理财师提供一些专业的理财建议。
　　2、实现家庭资产的保值增值。
　　待资金积累到一定程度时，可以选择购买收益更高的信托产品，年化收益率15%左右。通过长期的投资理财，展先生不仅实现了家庭资产的保值增值，而且家庭资金也增多了，家庭生活只会越来越好。
　　4、工作规划
　　【财务分析】
　　由于展先生不管现在还是未来，都是家庭经济的主要来源者，必须要有足额的保险措施。公司虽然缴纳了五险一金，但嘉丰瑞德理财师建议，未来展先生可以再添置一些商业保险，如配置新华人寿的“健康福星重大疾病险”，每年5000元起，能为家庭幸福增加一份安全的保障。







　　在投资理财方面，显得有点太单一，建议展先生重新进行规划，5万元活期存款+5万元银行理财产品的投资资金，总计有10万元。由于展先生面临着结婚，要孩子，风险较大的产品并不适合。嘉丰瑞德理财师建议购买一些固定收益类产品，风险低收益固定,在线教育。如在嘉丰瑞德可以认购到宜盛宝、月月盈这样的产品，年化收益率10%左右，1年能获得约1万元收益。
　　投资规划
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