" fall into " How does the stock market do well and pay attention to the wealth to plan

" fall into " How does the stock market do well and pay attention to the wealth to plan
There are many people in stock market of these quilt covers of two years, then how should this kind of group do a good job of the financing to plan? Now we come to see a case together.
Ms. Chen is used in equity investment because of the previous deposit, has lost 110,000 yuan in this issue, combine with income relatively little now, there are no savings, need to plan one's own financing carefully further. A teacher proceeds from her actual conditions to manage money matters in this issue, advise she in pay close attention to more the intersection of income and the intersection of stability and fine, the intersection of permanence and kind tool for managing money matters at the intersection of children and the intersection of education and investment tool of financing choose. But support parents and manage money matters and choose the hybrid fund or a proportion of bank wealth management product. To the equity investment suffering the loss, advise her to cope with shifting events by sticking to a fundamental principle temporarily, wait for the improvement of deep bid.
Diagnose tentatively
According to the situation of Ms. Chen, can put in order out the brief financial statement:
The family income is 4700* 12+ 18000= 74400Yuan
Family's expenditure is 3830* 12+ 7000= 52960Yuan
Family's balance is 21440 yuan.
Foundation to manage money matters planning to increase income and reduce expenditure, can be obviously found out in the balance sheet of family from Ms. Chen, the Chen 's has consumption of 6000 yuan not to know where flowers are every year, this, to comparatively limited family of the income, it is a kind of waste. It is the requirement that family's assets increase to do well and reduce expenditure steadily, especially when not high for family income, living within one's income can well help the family to accumulate the wealth, and can form the good consumption habit too.
The Chen 's has very good investment habits, though the balance of each month of the family is not tall in proportion, but taken out 1200 yuan as fixed investment of each month of the family, though does not know which kind of fund Ms. Chen chooses specifically, but so long as unremitting, believe that it brings big income to Ms. Chen to throw definitely. But the key is not know Ms. Chen to clear what kind goal of managing money matters was chosen to invest in in order to be solved originally, only because of the forced saving of the need, because based on different family's concrete financial goals, the fund kind that may use for, invest is not the same, so Ms. Chen also needs to adjust the association of the fund according to one's own order of importance and emergency of financing goal.
Financial analysis
1.The mobile proportion of the old women family is only 1.13, that is to say once the family income is cut off, the existing income can only maintain the normal life of one month of the family. The principle of cash planning of planning, should keep the living expenses of 3 months at least according to managing money matters, if have under the child's situations this proportion also needs further raising.
2.The rate in debt of the Chen 's is only 33%, smaller than 50% that are often worth, reflect Ms. Chen will not cause the family to go bankrupt because of being in debt.
3.Ms. Chen 3.4 in proportion in in debt income of family, it worthes to be 0.4 often, indicate the intersection of Ms. and family Chen happen come down with situation, existing cash assets very difficult to repay in debt, reveal it it cashes the ability to repay debt to be weaker at any time.
4.The intersection of Ms. and investment and net assets of family Chen proportion 10.7%, well below, worth 50% often, because Ms. Chen invest in stock, cause the intersection of family and assets shrink seriously mainly.
According to the above-mentioned analysis, the family should increase cash and financial assets emphatically in the future, be chosen the investment way with lower risk, with the thin family's overall risk level of the stand. In addition, if the gentleman without work, would propose helping to share the burden of the family, especially in the important period returning the loan and raising the child.
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