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小芸,26岁,是民企职员,她先生年长她3岁,两年前留学归来,是家外企的工程师。两人暂时还没有要孩子的打算。目前,小芸月收入2000元,她先生月收入18000元,两人每年还有3万元的年终奖。 尽管只是个“二人世界”,她俩每月日常支出就有9000元。这其中车辆等交通费是2000元,房租是2500元。小芸的家庭开支合理吗? 她们准备一年内贷款买房,但不知能够承受多大的贷款额度? 小芸和先生对理财既不懂也没时间。金融资产主要就是17万元存款和回国前买的约值41000元的外国基金。她们想知道用什么样的方式可以不用整天操心,却有较好的投资回报?
Xiaoyun, 26, is a staff member of private enterprises. She is 3 years old and she returned from studying abroad two years ago. She is an engineer of a foreign company. They have no plans to have children yet. At present, Xiao Yun monthly income of 2,000 yuan, her husband monthly income of 18,000 yuan, two people each year there are 30,000 yuan year-end awards. Although only a “two-person world,” they have a daily expenditure of 9,000 yuan per month. Among them, vehicles and other transportation costs are 2,000 yuan, the rent is 2,500 yuan. Xiao Yun’s family expenses reasonable? They are ready to buy a house within one year of loans, but I do not know how much can withstand the loan amount? Xiaoyun and Mr. Neither know nor have time for financial management. The main financial assets are the deposits of 170,000 yuan and foreign funds of about 41,000 yuan bought before returning home. They want to know what kind of ways you can not worry about all day, but have a better return on investment?