From: Fund China Fund story

If Miss CHEUNG family to maintain current living conditions, the next two years to buy cars and reproductive baby very necessary financial resources are protected.

1, the stability of expenditures, maintaining the current savings rate is not reduced. Miss CHEUNG current expenditure of the family is the most important housing loans expenditure share of 50%. This is the young families one of the main indicators. However, the family’s expenses are rational, reasonable level, making the monthly balances can reach 5,700 yuan. the savings rate was 47.5%, far above the warning line. The key is to stick to, if there are large consumer consumption must be planned in advance.

2, the regular fixed purchase fund. Young people have time capital, the ability to resist risk is fairly strong, and can choose a high-risk high-yield stocks Fund, Fixed periodic recommendations to buy index-type fund. According to the payment of wages to two hours, choose an index and a stock-type fund will vote to avoid interruption Share achieve low-cost, risk calming effect. Assuming the investment, the yield of 10%, adhere to two years, the monthly 5,700 yuan maturity into a 150,000 yuan. If then must buy cars, which pays enough.

3, the regular fixed redemption fund the repayment of the loans. If the Fund shares more, we can calculate that 3,200 yuan per month according to the amount of the return of the loan before the final deadline for the redemption of part of the fund, and there is no need for a one-time redemption.

4, the use of existing deposits of 60,000 yuan. There are 20,000 yuan bank cards, to meet exceptional circumstances. The other four million to buy the two-year period to purchase new stock-based financial products yuan. yield 5-8% more likely when due of principal and interest totaling about 45,000 yuan. raising the cost of birth babies the same no problem.

Copyright Fund China 2009.

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