Three financial solutions for managers

No one can guarantee that their career will bring stable income all the time, but being good at financial management can make the number on the personal account continue to grow. Therefore, with the accumulation of personal wealth, managers' financial awareness has become more and more intense.

What financial tools are commonly used by managers? In the survey conducted by the CEConlines website, real estate, stocks and insurance came in the top three (pictured).

Specific to individuals, due to their different environments and personality characteristics, their risk preferences for financial management will also vary. In their investment portfolios, the proportions of real estate, insurance, and funds are also different. According to different preferences and needs, personal finance can be divided into three types: aggressive, balanced and conservative.

According to He Xiaoyan, a wealth management customer manager at CITIC Industrial Bank, most aggressive managers are young, they prefer products with high yields, and they are able and willing to take risks. Safety is not the most important factor for them; conservative managers Managers are less able to take risks, and safety is the most important consideration; balanced managers can take certain risks, and both safety and benefits must be taken into account in the design of plans.

The following are the plans of three managers with different needs with an annual salary of about 500,000. It is worth noting that most of the personal financial planners (CFPs) who can provide personal financial planning solutions currently rely on a professional financial service institution. Managers should compare and choose the plan that suits them.

Conservative financial plan

Basic family information Mr. and Mrs. Ye are both 45 years old this year. Mr. Ye is the head of a branch of a bank, and his wife is the financial manager of a foreign company. Their son is 13 years old this year.

Investment preference: Mr. and Mrs. Ye tend to be conservative and believe that there is no need to take too much risk in pursuit of excessive investment returns.

Assets: owns RMB 1 million savings deposits, USD 40,000 savings deposits, and stocks with a market value of 100,000 yuan. Own a house with a market value of 500,000 yuan and a car with a market value of 300,000 yuan.

Liability Status: None.

Income status: Mr. Ye's annual income is about 350,000 yuan, and Mrs. Wang's annual income is about 150,000 yuan. No other fixed income.

Expenditure status: Mr. and Mrs. Ye's annual fixed daily expenditure is about 60,000 yuan, the children's education expenditure is 30,000 yuan, and the vehicle cost is 20,000 yuan.

Security situation: Mr. Ye and his wife have participated in the basic social medical insurance.

Financial goals Home purchase plan: Plan to purchase townhouses with a total value of about 2 million yuan in the suburbs.

Children's Education Plan: Plan to prepare a 500,000 yuan study abroad fund for my son after he graduates from college.

Car purchase plan: I plan to buy a commuter car for my wife at about 150,000 yuan after purchasing the house.

Retirement plan: Hope to maintain a high standard of living after retirement.

Analysis of Financial Situation Mr. Ye's current expenditure level is relatively low and his savings are relatively large. Mr. Ye's home purchase, children's education, car purchase, and retirement plan can be realized under the existing conditions. Mr. Ye's family assets are in very good condition, with total assets of 2.23 million yuan, including current assets of 1.43 million yuan, fixed assets of 800,000 yuan, zero total liabilities and no repayment pressure.

Mr. Ye's family assets have a strong ability to realize assets, and the asset risk is small, but the value-added ability is not strong. Bank savings deposits account for 93% of current assets, resulting in a low expected total return on Mr. Lin's assets. Mr. Ye must change the current investment portfolio of current assets to increase investment yield. In addition, in order to maintain a high-quality living standard after retirement, Mr. and Mrs. Ye's existing social endowment insurance is obviously not enough, and commercial insurance should be purchased as a supplement.

Financial advice According to Mr. Ye and his wife's risk preference and family financial situation, the following financial advice is made in consideration of safety, liquidity and profitability:

1. Retain bank funds. The CITIC card with the "Wealth Management (R)" account package function. The "Wealth Management (R)" account package function allows customers to enjoy the benefits of time deposits and realize the convenience of demand deposits. If you choose the "20% three-month, 30% six-month, 50% one-year" wealth management package customized by the bank, the annual yield of its wealth management treasure deposit will reach 1.8_99%.

Mr. Ye's deposits in the account are mainly used for daily income and expenditure turnover. If Mr. Ye needs to go abroad, he can also handle various financial services in one-stop through the CITIC Overseas Financial Service Center.

2. Before buying a house or car, you can apply for a monetary fund with a bank deposit of 1 million yuan. The recent seven-day rate of return of the monetary fund has reached about 2.5% (annualized rate of return). There is no handling fee and it is tax-free. Use the funds It only needs to be redeemed 3 days in advance, so that the funds can generate high returns while maintaining high liquidity.

The deposit of USD 30,000 and USD 40,000 can be transferred to a foreign exchange structured deposit with a longer term. If the annual income is 4%, the principal and interest can also reach 56,000 yuan after 10 years of simple interest calculation, which is 500,000 yuan away from the realization of the son. The goal of the study abroad fund is not far away. It should be reminded that during this period, it is necessary to constantly pay attention to changes in exchange rates and interest rates, and adjust them in time to reduce exchange rate and interest rate risks.

4. With the recent recovery in the stock market, Mr. Ye can realize the stock in time and invest in open-end funds. In the future, the annual current assets can be 10%, 30%, 30%, 30% in CITIC "Wealth Treasure (R)" Distributed among deposit accounts, stock funds, bond funds, and monetary funds, if the market issues funds to private trust plans, appropriate investments can be made under the premise of controllable risks to obtain relatively stable and high returns.

5. Mr. Ye can make a down payment of 600,000 yuan when he buys a real estate of 2 million yuan. It is recommended to pay off the remaining 1.4 million yuan in 10 years. The monthly repayment is 14,876.56 yuan, and the loan interest rate is 5.04%. If you use the provident fund loan to make a combination loan, the cost can be reduced. The current provident fund loan interest rate for 6 to 30 years is 4.05%, which is 0.99% lower than the commercial loan interest rate for house purchases.

It is also suggested that Mr. Ye rent the original house after moving into the new house. The rental income is relatively stable and can be used as part of the repayment source for the new house mortgage.

6. It is recommended to purchase Taiping Life Insurance's 15-year full-term annuity insurance (participating type) and Taiping Youth Pension Insurance (participating type) product portfolio insurance, with continuous payment for 15 years, 20,000 yuan per year; the purchase of Taiping Life Company's tranquility is important Long-term health supplementary insurance for diseases, 10 years of continuous payment, 18,000 yuan per year.

Radical financial plan

Family basic situation Mr. Liang is the general manager of a private enterprise, 39 years old, with an annual income of 500,000 yuan, and his future income is uncertain; his wife works in a public institution, 38 years old, with an annual income of about 50000. Both are in good health. There is a daughter who is 8 years old and a second grader of elementary school.

The household assets, liabilities and income and expenditure are shown in the table on this page.

Mrs. Liang works in a public institution and has basic pension and supplementary pension insurance. Currently, it is still public medical care and has no medical insurance (the unit plans to participate in basic medical insurance and establish supplementary medical insurance); Mr. Liang has insured 100,000 yuan for serious illness medical care Insurance, 100,000 yuan (traffic accident 200,000 yuan) accident insurance and hospital reimbursement insurance (limit 10,000 yuan); son insured 50,000 yuan Taikang's evergreen tree (returnable) insurance, 50,000 yuan critical illness insurance and hospital reimbursement insurance.

Financial goals 1. Use idle funds for investment and expect high returns.

2. Hope to enjoy a high-quality life after retirement.

Financial advice According to the risk tolerance assessment, Mr. Liang is an aggressive investment client with considerable risk tolerance.

Mr. Liang's current family financial situation is OK. He has spent on housing, automobiles and other major items. He is very investment-minded and has seized the investment hotspot in recent years: real estate. At present, the investment income has been more than 500,000 yuan, and the investment rate of return is as high as 100%.

It can be seen from the table that Mr. Liang's annual surplus is 608,000 yuan in annual income - 227,400 yuan in annual expenditure = 380,600 yuan. Since the family has no major expenditures in the near future, he can make medium and long-term investments to obtain good returns.

;1. In terms of security, as the husband is the main economic pillar of the family, the existing security is not enough to resist risks, and the lower limit of the security is an annual income of 600,000 yuan, that is, serious illness insurance and accident insurance each add 500,000 yuan. Considering that The characteristics of the major illness insurance and Mr. Liang's age, you can choose An Ning additional critical illness insurance and accident insurance, with 15 years of premium payment, and the annual premium payment is 28,500 yuan.

In order to ensure that Mr. Liang still has a high fixed income after retirement, it is recommended to buy a participating commercial pension insurance such as "Fu Man Tang", which also takes 15 years to pay, and agrees to receive it at the age of 60, with an annual premium of 100,000 yuan. Mr. Liang can receive a one-time cumulative dividend at the age of 60. After that, he can receive a pension of 98,000 yuan every year until the age of 100. Together with the social endowment insurance, he should be able to enjoy a happy old age.

2. Under the premise of complete protection, the investment of the remaining funds can be considered. Investment must go both ways, such as high-end real estate, there will always be a group of high-end people to use and rent. This group of people is not very sensitive to money. The resident staff of some foreign institutions have high housing allowances, and the rent is basically guaranteed. Therefore, high-end real estate has high investment, high return, and relatively small risks. In the current situation that the funds on hand are not tight, do not consider selling the townhouses and continue to hold.

3. For a current deposit of 300,000 yuan, it is recommended to invest 200,000 yuan in open-end funds, 70% of which are stock funds such as GF Jufu and Shenwan Paris, and 30% of which are capital-guaranteed funds. It should be noted that you should always contact the bank's wealth management manager to determine the time point of each fund purchase; more importantly, the dividends obtained from the fund investment should be reinvested to generate a huge compound interest effect within a considerable period of time. It is recommended to convert the monthly surplus into money market funds such as Southern Cash Zengli or Huaan Cash Fuli, so as to obtain the income of fixed deposits while maintaining the liquidity of funds. When a certain value is accumulated, each 10,000 yuan can be used as a unit for continuous and long-term open-end fund investment, such as Desheng Small Cap, GF Jufu, etc. For specific varieties and purchase time, please refer to the bank’s wealth management office. advice provided.

Pay attention to two principles when investing, that is, the principle of compound interest and the principle of time, that is, to reinvest the fund's dividends, not to be moved by temporary ups and downs, and to let time help you maximize your profits.

The remaining 100,000 yuan fixed deposit can be considered for investment in calligraphy and painting. There is a saying that "calligraphy and painting in prosperous times, gold in troubled times", with the passage of time, investment is expected to obtain high returns. The customer also holds 50,000 US dollars. If you have the time and energy, you can consider investing in foreign exchange trading. Otherwise, it is recommended to buy short-term foreign exchange wealth management products launched by the bank, which are safe and high-yield. Generally, the one-year term can reach 2.2%, while the bank's one-year deposit is 2.2%. Only 0.56%.

4. Take 10 years as an investment cycle to make adequate preparations for children's education expenses.

Balanced financial plan

Family basic information Mr. Zhang is the general manager of a real estate company, with an annual income of 500,000 yuan, and his wife is a senior consultant of a foreign company, with an annual income of about 160,000 yuan. Both are postgraduates and are in good health. good. There is a 14-year-old son who is in the first year of junior high. The unit has invested in personal accident insurance, social medical insurance, pension and unemployment insurance for myself and my children.

I have a certain risk tolerance, but I can't find an ideal investment channel. I have tried stocks, funds, and bonds, but I can't achieve the expectation of 15% annual income.

The household assets and liabilities and income and expenditure are shown in the table on this page.

Wealth Management Goals 1. Hope to invest some cash in high-return investments, the cycle length can be any.

2. We hope to make arrangements for the steady appreciation of some assets.

3. Hope to invest to obtain long-term stable returns for retirement and higher fixed income.

4. I hope to buy a second car within two years at a price of 250 to 450,000 yuan; I hope to buy a villa of 2 million to 4 million yuan within five years.

Financial Advice Through the risk tolerance assessment, the client has a certain risk tolerance.

Mr. Zhang's current net assets are 1.74 million yuan, and the existing liquid assets are 1.07 million yuan. The annual surplus is 664,000 yuan in annual income - 521,200 yuan in annual expenses = 142,800 yuan.

1. Among the expenditures, the education fee of 280,000 yuan/year should be a non-recurring expenditure, and the expenditure can be used for the purchase of a car in the next two years.

2. From the perspective of the liquid asset portfolio, Mr. Zhang still pays great attention to the security of funds, but as long as it is controlled within a certain percentage, high-risk investments can still be made. Experts invest in futures. The goal of buying a villa can be achieved within five years of successful investment, and investment failure will not have a big impact on the asset structure.

3. According to the mortgage repayment amount and the loan balance, it can be found that Mr. Zhang will repay the loan within 3 years. After 3 years, the customer's cash flow will be very abundant, and they can choose money market funds (such as Southern Cash Zengli or Huaan Cash Fuli) to make sufficient reserves for their son to study abroad in the future.

4. Bonds and bond funds have a total of 300,000 yuan, all of which are stable and appreciated. However, under the expectation of future interest rate hikes, it is recommended to gradually sell bond funds and keep 200,000 yuan of bonds. It is suggested to purchase 100,000 yuan of funds obtained from the sale and 300,000 yuan of fixed deposits to buy money market funds, so as to obtain higher returns than fixed deposits while maintaining liquidity. Under appropriate circumstances, you can purchase trust products of 200,000 yuan under the advice of the bank's wealth management manager, and the current annual income can reach more than 5%.

5. In order to ensure the appreciation of capital, the scale of partial stock funds and stocks can be controlled at about 300,000; since Mr. Zhang has no time and energy to invest in stocks, it is recommended to gradually transfer the stocks in his hands to stock funds, and hold them in medium and long-term. Yes, and pay attention to the principle of double profit and time, and constantly increase the fund share, so that time can help him achieve greater returns.

6. In order to ensure that Mr. Zhang still has a high fixed income after retirement, it is recommended to buy a participating commercial pension insurance, such as "Fu Man Tang", which can be paid for 15 years, and agreed to receive it at the age of 60, with an annual premium of 100,000 Yuan. Mr. Zhang can receive a one-time cumulative dividend at the age of 60. After that, he can receive a pension of 91,500 yuan every year until the age of 100. Together with the social endowment insurance, he should be able to enjoy a happy old age.

Although the company has insured social medical insurance for customers, as the backbone of the family, medical insurance, especially critical illness insurance, is obviously insufficient. It is recommended that additional critical illness insurance and accident insurance cover an amount of 500,000 yuan each, with 15-year payment and annual Pay the premium of 30,500 yuan.

The financial plan in this article is provided by the VIP Financial Management Center of Fengqi Sub-branch, Hangzhou Branch of CITIC Industrial Bank, with some deletions. The article is a short-term financial advice, and the plan should be revised at any time according to the situation in the future to prevent risks.

---