How does Dinke family prepare the pension for oneself

How does Dinke family prepare the pension for oneself
Some people like running Dinke family now, how should to this kind of group then save the pension for oneself?
45 -year-old Lao Zhang is the typical small city " Ding Ke " The family, the couple have no child. Lao Zhang works in an enterprise run by the local people after being laid off, monthly income is more than 1000 yuan; The wife is 40 years old, laid off, do to the person who promotes in a store, the monthly salary is more than 800 yuan, there is deposit of more than 20,000 yuan at present. The moving back in the room of own 70 square meters for shroud. Lao the Zhang 's is not bad, has had the endowment insurance, the wife is a casual labour, do not enjoy the treatment of the social insurance, endowment insurance is paid. What two people worry most now is medical guarantee. Whom they run the intersection of resident and medical insurance at present, serious disease in hospital can submit an expense account about 50%, clinic 60 see the doctor amount of money only. Want to ask how the expert save the pension and spend remaining years in comfort.
[Feel the pulse inquiries test ]
Lao Zhang the couple live in the small city, the expenditure level of the comparatively daily living expenses is slightly lower than the large and medium cities. Family's risk ensures more scarcely, need improving the improvement badly.
According to asset-liabilities situation of the family, though there is not the remaining sum in debt yet, the assets slightly show inferiorly, only have deposit of more than 20,000 yuan to fix the house property with comfortable housing of 70 square meters.
[Suit the remedy to the case ]
Investment planning: According to the situation of Mr. Zhang family, propose not investing in the high-risk financial product, take sane, conservative investment tactics as the core.
Propose Lao Zhang can consider that take these deposit of 20,000 yuan out to transfer to putting into breaking even RMB wealth management products that the bank put out regularly, say, slightly Senior One raised on the interest income as to bank savings.
Secondly can also consider choosing to buy the treasury bond, the treasury bond is considered from its security, mobile view, totally accord with the investment attribute of Lao the Zhang 's.
In addition, whom monetary open-end fund can yet be regarded as after the risk income is weighed and considered too relatively good to invest choosing, (amount of money of about half after 30% of balance of every month is used as putting into regularly) Especially it is famous for for not collecting applying to purchase, redeeming the expenses, administrative expenses with lower fund advantage characteristic as to other types. But investors should undertake the uncertain interest rate risk.
The insurance is planned: Because Lao Zhang couple's age condition is under insuring the personal business insurance, have no advantage, especially look like the insurance kind that the hospitalization cost submits an expense account, the insurance premium is very expensive, add the insurance company a little more " Get up in one pair of lines " , " Avoid compensating volume " Wait for the restriction of the clause, obviously lose more than gain. Here, propose being special building a family " The medical account " ,Namely take out, 55% put into this account from side to side in monthly balance, can choose flowability, security, the intersection of investment and variety that rentability gives consideration to.
Support parents to plan in retirement: According to 3.5% - 4% pension growth rate now, a retired to support parents one prepare improper to influence the life quality after retiring directly, the premium of about 2160 yuan is paid competence with every year, insure for commercial annuities (generally as the main fact with the insurance kind of the omnipotent type, sharing out bonus type) ,Time limit of paying dues over 15 year, try not, choose, have, die because of the assured during ensuring, the insurance products that the clause of stopping the annuity and paying is appointed, when get couple retire, can get the pension.
The editor recommends:The salary four major families manage money matters the scheme is selected by you
|