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林女士和丈夫在河北唐山生活,两个人都刚过而立之年。她感觉近两年的物价一直居高不下,房价也在大踏步上扬,两个人的工资却没怎么涨过。林女士感觉对未来的生活保障没有什么信心。林女士和丈夫都在地方政府工作,家庭资产有现金存款5万元,投资类金融资产(股票、基金)总额8万元(亏损4.5万元),有一处房产,价值40万元,一辆价值4万元的代步小汽车。房贷每月需要还款2500元。林女士年收入3万元,丈夫年收入5万元,合计约8万元。每月日常生活支出平均在2500元左右。家庭保险状况方面,林女士夫妇均有社保五险,没有购买商业保险,孩子7岁,药费单位可报销一半。另外,二人的公积金没有动用。林女士想为孩子攒下一些教育基金,以后上大学用。另外,想找到一些比较稳妥的理财方法。
Ms. Lin and her husband live in Tangshan, Hebei Province, and both have just been in their eve. She felt the price of the past two years has been high, prices are also greatly strutted, two people’s wages have not gone up. Ms. Lin feels no confidence in the future life support. Ms. Lin and her husband are both working in local governments. Household assets include cash deposits of 50,000 yuan, total investment financial assets (stocks and funds) of 80,000 yuan (loss of 45,000 yuan), and one real estate valued at 400,000 yuan The value of 40,000 yuan in the car. Mortgage need to pay 2,500 yuan a month. Ms. Lin annual income of 30,000 yuan, her husband’s annual income of 50,000 yuan, a total of about 80,000 yuan. Daily living expenses average about 2,500 yuan. Family insurance situation, Ms. Lin couples have five social insurance, did not buy commercial insurance, children 7 years old, pharmacies can reimburse half. In addition, the two provident fund did not use. Ms. Lin wanted to save some education funds for her children and later went to college. In addition, want to find some more secure financial management methods.