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三口之家,在不长的时间内要实现购房、购车、留学、读研等多项需求,刘先生该怎么办?刘先生和太太均在外企工作,有一个10岁的儿子。目前夫妇俩的家庭年收入约为40万元,本外币存款分别为25万元和5万美元。他们在股市的投资约为50万元,但现在股票价值只有40万元左右。除购买大宗物品外,每月家庭开销保持在6000元左右。此外,每月补贴双方父母共2000元。孩子教育费用每年大概在10000元左右。刘先生每年有举家外出旅行的习惯,花费约15000元左右。夫妇俩除了公司为他们购买的保险以外,只为孩子购买过一份分红险,没有购买过其他险种。考虑到目前国内的升学压力,刘先生打算在孩子上高中的时候就送他出国念书。为了接送孩子读书与自己出行方便,还有购车的想
Family of three, in a short period of time to achieve the purchase, car, study, study and other needs, Mr. Liu how to do? Mr. Liu and his wife are working in foreign companies, there is a 10-year-old son. At present the couple’s family annual income of about 400,000 yuan, foreign currency deposits were 250,000 yuan and 50,000 US dollars. Their investment in the stock market is about 500,000 yuan, but now the stock value is only about 400,000 yuan. In addition to buying bulk items, monthly household expenses remain at about 6,000 yuan. In addition, a monthly subsidy of 2,000 yuan for both parents. Children’s education costs about 10,000 yuan a year. Mr. Liu has a habit of traveling home every year, spending about 15,000 yuan. In addition to the insurance they purchased for the company, the couple only bought one bonus for the child and no other insurance. Taking into account the current pressure of further studies in Japan, Mr. Liu intends to send him abroad to study while his children are in high school. In order to pick up children to study with their own travel convenience, there are car thinking