张女士今年35岁,是一位外企白领,主要从事人力资源工作。丈夫刘先生今年40岁,在一家私营企业工作,有一个10岁的女儿,上小学四年级,家里的住房贷款已经提前还清,没有任何负债。由于一次性还了房贷,家里所剩的资金并不算太多,考虑到小孩的上学费用,和夫妇俩以后的退休生活,张女士有点心慌,因为听别人说,退休和孩子教育金准备开始得越早越好,而她目前还没做任何计划。而且最近股市很火,带动基金收益连连走高,单位里的同事每天都在谈论理财、投资、基金,都疯狂去抢购新发行的基金。张女士以前没有做过这方面的投资,也不太敢跟风。 Ms. Zhang, 35, is a white-collar foreign businessman and is mainly engaged in human resources work. Husband Mr. Liu, 40, works in a private company with a 10-year-old daughter, who is in fourth grade. His home loan has been paid in advance without any debt. Due to a one-time return of the mortgage, the family left the funds not too much, taking into account the children’s school expenses, and the couple’s retirement later, Ms. Zhang a little nervous, because listening to others that retirement and child education gold ready to start The sooner the better, but she has not made any plan yet. And the recent stock market is very hot, led the fund proceeds to rise again and again, my colleagues in the unit every day talking about financial management, investment, funds, are crazy to snap up the newly issued fund. Ms. Zhang has not done this before the investment, nor too brave to follow suit.