45岁的冯先生夫妇20世纪80年代就出国打工,三年前带着一对儿女回到北京。这些年夫妻俩艰苦劳作换来了约260万元的家庭资产,其中自住家,没有固定收入。冯太太在一家民企工作,业余还在外语学校兼课,每月有还贷约6000元,即每月收支相抵赤字约1000元。随着孩子逐渐长大,教育投入越来越大,再加上将来的养老问题,冯先生对未来有点悲观。他自己没有什么专业技能,找到一份收入体面的工作很难,此,冯先生咨询理财师的问题是:什么样的生意适合他做?什么样的投资渠道能够使他的资产尽快升值?状况分析冯先生的情况在归国劳务人员中颇为常见。现阶段资产丰厚,但缺乏后 Mr. Feng, 45, went abroad to work in the 1980s and returned to Beijing with his two children three years ago. In these years, the couple worked hard in return for about 2.6 million yuan of household assets, of which home ownership, there is no fixed income. Mrs. Feng works in a private-owned company, amateur still in foreign language schools and classes, a monthly repayment of about 6,000 yuan, that is, the monthly balance of payments deficit of about 1,000 yuan. With the gradual growth of children and increasing investment in education, coupled with future pension problems, Mr Fung is a bit pessimistic about the future. He did not have any professional skills and found it hard to find a job with decent income. The question Mr. FUNG consults with a financial planner is: What kind of business suits him? What kind of investment channel can make his assets appreciate as soon as possible? Analysis of Mr. Fung’s situation is quite common among returnees. Rich assets at this stage, but lacking