after graduating
The financing is asked and answered ‘ Some) after graduating : (1)
1.Q: Wife and I are ordinary workers, the salary is not high, family’s annual income is about 70,000 yuan. Our son was clever and sensible while as a child, the way to go to school went straight very suitably, the famous brand finds the good work too after graduation from university nowadays, take the salary of 4000 yuan per month. Unless live at present still with us he, spend money at ordinary times it control very much too,every month can half surplus. We have deposited about 150,000 yuan for children, in addition see according to the present situation, he himself can a little accumulate too a few years later. We hope the son can marry and settle down within five years, plans to get married and subsidize about 100,000 yuan for him then. Could you tell me before the son set up nuclear family, how should we hit and pay attention to these idle fund of 250,000 yuan of home?
A: Can find out parents are satisfied with child’s job of 4000 yuan of every month at present from the word of the compliment to the child, so a so-called one set up one’s own business, I’m afraid, can let child run company open up one space undertaking of this kind independently again, only have task of getting married left. Get married important two factor most, except that there should be a daughter-in-law, another ” family ” –House. At the price of the house property, should consider utilizing idle fund to buy a set of drawing rooms of room one two or two drawing rooms of practical but not luxurious houses of room two, the majority in this 250,000 can be used for as the down payment, the young part refunds as the mortgage of bank in the following one year.
If unfortunately, the room rate is generally held and declined, turned from high-order stagflation to the decline passway as now, buying house wouldn’t possess the price condition, can then look at the stock market to know inorganically, and then mix most fixed income products, construct the idle fund of 250,000 to build up and include the investment combination that sane income and risk investment coexist, obtain certain income in the field of finance first, wait for the room rate to fall after rise and sell again, such planning will have direct help to the marrying and settling down of the child.
2.Q: Deposit bank in to be different money by house with others, we to reserve behind the small petty cash in method of house, put all of other idle fund into the stock market. In these years, because I and wife psychology steady, make stiver only, can keep the profit too. Son basically already can earn one’s own living after graduation from university, we need worry about his marriage wedding while being only now. We are not rich families, there is only 50,000 in the annual income, I have begun to consider getting married and saving for the son recently, must support parents to make the long plan for the future for wife and me too. At this time, is the risk of speculating in shares of more than half incomes for family of low income like us too great? I probably have stocks of market value 200,000 in the hand at present, and the deposit of 20,000 yuan, ask how to improve the way to manage money?
A: From June of 2001 to July of 2005, the stock market of China dropped by 4 years continuously, Index of Shanghai Stock Exchange fell 55%, most investors losses are above 2/3. “Throw all of idle fund into the stock market these years, the psychology is steady, only make the stiver, so can keep the profit. ” Can make such investment achievement, does not make the stiver, invest in the past master; If the common people put all all of moneys into the stock market these four years, I’m afraid that has already failed and must hang oneself, jump the sea.
The slumping and can see, put nearly all incomes into a certain market of four years from the stock market, especially risky product ‘ For example speculate in shares) ,Individual or family will face the calamitous consequence! So should recommend managing money matters, recommend constructing the assets association, emphasize the risk is scattered - -All eggs can’t be put in a basket.
Consider that is moving towards from the low ebb gradually being steady on the stock market of China, propose keeping equity investment of 100,000 yuan, other parts should change direction and save, fix income assortment and insurance, prepare for supporting parents of future.
3.Q: Wife and I work steadily, the family circumstances are well-off, the sum of we two’s annual incomes is about 200,000 at present. But it is not all right that the son studies, the duty gains 2000 yuan at present and is less than after graduation from school. He plans to get married this year, the wife’s wage level is similar to him. The little such a family life must be subsidized by parents, so get married for the son, I plan to prepare 200,000. In addition, son, and daughter-in-law education high, job development space big, I afraid grandson come forth in large number born, in the future very, their life will be short of more money. So think about the third generation, I must leave a little money for subsequent use. I have 320,000 deposit, place bank on regularly at present, how be can appropriate to want fund that rely on made and had be dealt with better to the we descendants three generations?
A: Teach the descendant before sages and men of virtue several thousand of China ” old I am old and the the person one is old, young I young and people young “ ; The parents of China are greater, develop into the sage’s teaching ” young I am young and young and young ” . If according to question calculation of protagonist, have 320,000 at present, son get married, take go 200,000, I suspect 120,000 surplus what use does it can send still get the third generation of?
The son and monthly income of the wife in future are only 4,000 yuan, why get married to cost 200,000 if do not know? If used for buying house, I agree; Used for wedding banquet and travel honeymoon, I think should do things within the limits of one’s own resources cost that the decision marry according to little income state of husband and wife.
Propose regarding 320,000 as putting the monobasic emergent fund, meet the great thing to put to use. For example the son gets married, but it should be fair and sensible to spend; The third generation was born, little husband and wife life really had a difficulty, can be by offering help disposably from it. In a word, the main undertaker of the expenses must be son and wife, parents just offer help as the onlooker. Facilitate son’s and wife’s establishing and bearing the consciousness of family’s responsibility alone like this, do things within the limits of one’s own resources and arrange one’s own life properly, the parents of China should learn to let child grow up!
4.Q: My daughter works in a small-scale individual enterprise at present, the income is about 3000 yuan, but the development prospect of the company is not clear. Having a small enterprise that faces the fund problem or goes bankrupt every day nowadays, I want to defend all alone in advance for the daughter through buying relevant insurance. In addition, wife and I will retire soon, will connect the question that will consider supporting parents soon, could you tell me which kind of insurance can offer the economical guarantee to daughter’s unemployment of keeping a lookout to make up, can make middle aged parents benefited at the same time?
A: Offered a kind of insurance association by an insurance company, can take precautions against child’s unemployment and offer the economical guarantee, can make middle aged parents benefited at the same time, such insurance is made up and has not invented out yet. If have, it is believed that all people will go after like a flock of ducks, line up to rush to purchase, because under the circumstances that such insurance is made up, it proves the whole family can reap without sowing and rely on the insurance damages to live so long as anyone gets a unemployment. In addition, has not heard that put parents and children together, and the assured have a lot of insurance associations.