Mr. Yu is a post-80 s salesman in a credit institution, earning 40,000-50,000 yuan a month. Mr. Yu and his wife have a 7-year-old son who is in the first grade of primary school. His wife, Xiao Dan, works as an executive in a foreign company, with a monthly income of 1000 yuan.

The two bought two properties in the second-tier cities where they worked, one for living and the other for their parents. Mr. Yu's family spends about 20 thousand yuan a month, including business entertainment, filial piety to parents, tuition for children, mortgage for a house and so on. They scrimped and saved, and now they have a deposit of 6,543,800 yuan.

Recently, Yu Xiansheng's family is about to have a second child. Mr. and Mrs. Yu Xiansheng are planning to make long-term plans for the future of their two children, and they are also planning to buy a house as a wedding room for their future son in the next ten years. However, Mr. and Mrs. Yu Xiansheng don't have much experience in financial management, and they know some bank financial management, money fund, P2P financial management and so on.

Under the recommendation of the boss of the company, Mr. Yu came to Jiafeng Ruide, a wealth management institution, to seek the help of a senior financial planner. According to Mr. Yu's current family assets and financial goals, the financial planner gives the following financial suggestions:

Life support

In the past, Mr. and Mrs. Yu didn't know enough about wealth management products, and they all studied low-yield but stable wealth management products. So this time, I'm going to use my family assets for financial management. Before managing money, Mr. Yu should reserve an emergency reserve for his family in advance.

Mr. Yu's family has old people and children, and the basic living expenses of about 5 months should be reserved in the emergency reserve. According to the current monthly expenditure of Mr. Yu's family, about 654.38+ten thousand yuan can be prepared.

The financial planner suggested that Mr. Qian Yu Can hold the money in the form of a monetary fund, which can not only be withdrawn at any time, but also calculate the income every day.

In addition, Mr. Yu Can added another life guarantee for his family, and provided some additional commercial insurance for the elderly and couples at home, such as critical illness insurance, life insurance and accident insurance. It is appropriate that this fund should not exceed 20% of the total assets of the family.

How to achieve financial goals?

Mr. and Mrs. Yu's monthly fund balance is considerable, and they can prepare for the education fund of the two children in the future by means of fixed investment. For example, a sum of money will be set aside from the balance of funds every month and held in the form of fixed investment. After a few years, a considerable amount of education funds will be accumulated.

In addition, Mr. Yu's family assets are 6,543,800 yuan, leaving 700,000 yuan after deducting emergency reserve and insurance expenses. We can consider diversifying some stable wealth management products such as stable portfolio and bond fund, with considerable and stable income, which is suitable for Mr. Yu's current assets.

With the continuous accumulation of funds in the future, coupled with the income from idle money management, it is not difficult for Mr. Yu to buy another suite in the future.

The pictures in this article come from the Internet.