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余先生现年42岁,余太太38岁,两人皆有“留洋”背景,都在外资企业工作。余先生的儿子今年11岁,上小学五年级。余先生税后月薪2.8万元,余太太税后月薪2万元,夫妻俩的年终奖加上存款利息和基金投资,每年还有约10万元的其他收入。一家三口每月的生活开销为1万元,另外,每年还需支出家庭人身保险保费1万元、车险保费4000元,以及旅游支出1.5万元。夫妇两人目前都享有标准的社会保险.单位缴纳“四险”。余先生房产价值约200万元,房贷已还清。目前,余有80万元存款,另投资有20万元的开放式股票基金,当做7年后孩子上大学的准备金。另外,
Mr. Yu is now 42 years old and Mrs. Yu is 38 years old. Both of them have backgrounds of “studying abroad” and all work in foreign-funded enterprises. Mr. Yu’s son is 11 years old this year, fifth grade primary school. Yu after-tax monthly salary of 28,000 yuan, Mrs. Yu after-tax monthly salary of 20,000 yuan, the couple’s year-end bonus plus deposit interest and fund investment, there are about 100,000 other annual income. A family of three monthly living expenses of 10,000 yuan, in addition, the annual need to pay household life insurance premium 10,000 yuan, auto insurance premium 4000 yuan, and tourism expenditures 15,000 yuan. Both couples now have standard social insurance coverage. Mr. Yu real estate worth about 2 million yuan, the mortgage has been paid off. At present, there are more than 800,000 yuan in deposits and another 200,000 yuan in open-end equity funds, as the reserve for children going to college after 7 years. In addition,