Abstract: Financial Management Case: A brief analysis of how company executives invest and manage their finances. Company executives have high-income jobs, but if you want to make reasonable investments with such high-income, you need to pay attention to what to do? 1. Leave enough family emergency reserve funds; 2. Save 1.5 million yuan in the family's tuition fees for son abroad; 3. Investment and financial management will increase assets...
How do company executives invest? Mr. Qian, 51 years old this year, is an executive of a company in Shanghai, with a monthly salary of 40,000 yuan. The wife is a lawyer with a monthly salary of 15,000 yuan. The couple have social security. I have a 20-year-old son who is currently studying in a university abroad and requires about tuition and living expenses of about 200,000 yuan a year. The family’s monthly living expenses are RMB 20,000. Currently, there is a villa worth 3 million in the suburbs, and now you live in it yourself. There is also a city housing worth 6 million yuan, which is temporarily rented out, and can earn 20,000 yuan a month and earn 240,000 yuan a year. The family has no mortgage or car loan, and the bank currently has more than 2 million yuan in deposits. In terms of investment, I bought stocks for 1 million yuan; I bought trust products for 2 million yuan. How did this company executive invest in 2017?
financial management target
1. Mr. Qian’s son still needs to continue studying abroad, and is expected to accumulate 1.5 million yuan;
2. Increase family health protection and enjoy old age;
3. Let family assets gain the greatest appreciation.
In order to better achieve the family financial management goals, Mr. Qian consulted financial planners how to manage their finances?
case analysis
Mr. Qian's monthly income is 40,000 yuan, and year-end dividends 1.1 million, with a total income of 1.58 million yuan in one year; his wife's monthly salary is 15,000 yuan, and a total income of 180,000 yuan in one year, plus a year-on-year rent of 240,000 yuan, in addition to uncertain investment returns, Mr. Qian's annual family income is 2 million yuan. The bank still has more than 2 million yuan in deposits, and the family's financial situation is very abundant. The financial planner believes that Mr. Qian has abundant funds, but the investment is relatively simple, and the stock investment risk is relatively high. It is recommended to reduce investment and appropriately increase some fixed-income financial products; in addition, appropriately purchase some commercial insurance (safe insurance) to improve family protection; banks still have more than 2 million yuan in deposits, and they also need to manage their finances reasonably to allow the funds to gain the greatest appreciation.
Investment and Financial Management Suggestions
1. Keep enough family emergency backup
Mr. Qian’s family must first keep enough family emergency backup tillage. This part of the funds is generally 3-6 months of family monthly living expenses. The financial planner recommends keeping 60,000 yuan to deal with the use of family emergency funds. You can also use this part of the funds to purchase Yu'ebao products, with an annualized return of about 5% on the 7-day, and you can also use it at any time to spend.
2. The son who saved 1.5 million yuan in his son's tuition abroad
1.5 million yuan in his son's tuition abroad is actually based on Mr. Qian's annual family income of 2 million yuan, which can be achieved within one year, which is more than enough.
3. Investment and wealth management will increase asset value
. The investment in households is relatively simple. The financial planner suggested that Mr. Qian reduce his stock investment and make steady investment better. He can allocate 1 million yuan of funds investing in stocks and more than 2 million yuan of deposits from banks, a total of 3 million yuan to some low-risk fixed-income wealth management products. For example, an annualized rate of return of 13%, you can get a 390,000 yuan return by one year of investment, which is 300,000 yuan more than the interest on a one-year bank fixed-term deposit of 90,000 yuan (3 million * 3%)! In this way, the huge wealth of the family can maintain its value while also obtaining higher returns.
4. Increase family health security
Although Mr. Qian and his wife have social security, it is not enough. The financial planner believes that Mr. Qian and his wife are the main sources of income for the family and need to improve their security. It is recommended that you can configure some commercial insurance, such as accident insurance, major disease insurance, life insurance, etc., with a plan of about 40,000 yuan per year.
5, p2p investment
Mr. Qian has so much family deposits, so he can make money appropriately by investing in p2p, which is still a good choice. For example, p2p wealth management products are very good. The expected annualized returns of its network wealth management products are 14%-20%, which is still worth investing. Moreover, the seven-level security guarantee system protects investors' wealth security. Strict review, control source safety, comprehensive assessment of borrowers' loan purpose, operating conditions, development forecasts and repayment capabilities, the participatory business service concept of "information disclosure, authentic information, and transparent process", comprehensive information disclosure, and an investor meeting held every quarter, with good reputation.It also has multiple advantages such as low investment threshold, flexible term, and convenient cash withdrawal.
