Basic information:
Ms. Zhang, a native of Nanning, just in her early 30 s, ridiculed herself as a "leftover woman". A middle-level company belongs to the white-collar class and has a stable income. Plus the year-end award, its annual energy balance is 30,000-40,000 yuan. At present, it has nearly 200,000 yuan in deposits, all of which are in the bank.
Ms. Zhang also buys a house and a car. She doesn't usually manage money very well. She deposited some spare money in the bank. However, the daily expenses are relatively large, mainly used for clothing and makeup tourism. There are several easy-going "girlfriends", but the fly in the ointment is that they have boyfriends.
Financial objectives:
Whether the 200,000 on hand is to buy a car or a house makes Ms. Zhang quite entangled. According to Ms. Zhang's personality, she intends to buy a car, but a "best friend" told her that buying a car is not as cost-effective as buying a house. Buying a car is spending. As soon as the car was bought home, it began to depreciate, and the cost of maintaining a car every month was not small. Buying a house is an investment. Although the state regulates real estate at present, in the long run, real estate is still an anti-inflation variety. Coupled with the new judicial interpretation of the Marriage Law that "the property before marriage belongs to the individual", the house is more reliable than the man.
Ms. Zhang was originally an independent woman, and the statement of "girlfriends" made her feel very reasonable. This is nearly 200,000 yuan, is it used to buy a house or a car? Or for investment and financial management? She wants to hear the advice of the financial planner.
Financial planner Chen Zhe suggested:
Modern women are very lucky. They can choose to be virtuous wives or economically independent professional women, but no matter which life they choose, women who can manage money will be more beautiful and wonderful. As one of the representatives of urban "white", what is the focus of Ms. Zhang's financial planning?
1. Make a decision between buying a car and buying a house, of course. Cars are consumables, and real estate can be used as an effective investment channel in addition to women's exclusive residence (after the promulgation of the new marriage law, the resale of small apartments is a good proof). Single women can choose to buy a small apartment with convenient transportation because of the consideration of "one red heart, two hands are ready". They should live in it and rent it out. After buying a property, a moderate mortgage can help Ms. Zhang control her consumption.
2. Single women generally only have a single source of income. If the workplace environment is not satisfactory, or if you and your family encounter health risks, all the pressure can only be borne by one person. Therefore, single women should have a sense of risk, do a good job in the overall planning of their future lives, and build a solid "dam" for their own lives. It is suggested to buy a separate commercial insurance for yourself in addition to the existing social medical insurance. It can be purchased with the balance of the year-end bonus, and the insurance premium does not exceed 10% ~ 20% of the annual income. Short-term health insurance and accident insurance are added on the basis of guaranteeing life insurance and critical illness insurance to prevent accidents.
3. Single women don't have much pressure on family life, and because of hard work, when they see beautiful things and things, they often can't help but "reward themselves" by impulse shopping, and it is not easy to save money. After years of hard work, Ms. Zhang has accumulated a lot of savings, but her financial management concept is still conservative. It is suggested that Ms. Zhang Can reserve 6-9 months' living expenses as working capital, and allocate a certain proportion of the remaining 30%-40% of her monthly income as a allocation tool for medium-and long-term financial management goals, and timely select regular bank financial management products.
4. invest in your own happiness. Nowadays, there is an exaggerated description of the group of "leftover women" in real life and on the Internet. In fact, whether you are married or not, if you are financially self-sufficient and live independently, that is a state. On the one hand, single women should cultivate their strong inner feelings and maintain a good mood, on the other hand, they should also take into account all aspects of life, family, career and social relations, and harvest their rich lives.
(The above answers were published on 2015-11-10. At present, please refer to the actual situation for the relevant purchase policy. )
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