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胡女士说由于去年我国经济不景气,个人感觉虽然收入不变,可是固定存款额利息越来越少。而其所在的企业没有承担太多的养老和医疗保险,因而希望能有一个适合自己家庭的保险理财方案。胡女士的老公有稳定工作,月收入1万元。胡女士月收入7千元,工作属于合同用工性质。有一个8岁的女儿,上小学3年级。其财务状况:现有股票5万元(被套后证券价值还剩2万元左右)、基金5万元(现净值3万元),自购住房价值70万元,有一辆车。此外还有存款15万元,银行理财产品12万元。基本支出:每月养车平均3000元,每月一家人基本生活开销3000元,每年一次旅游开销1万元,每年支付双方父母养老费2万元,不定期支出一年2万元。
Ms Hu said that due to the sluggish economy in China last year, I personally felt that although the income remained unchanged, the interest on fixed deposits was getting less and less. The company where they are not undertaking too much pension and medical insurance, so I hope to have a suitable for their own family financial management plan. Ms. Hu’s husband has a stable job, the monthly income of 10,000 yuan. Ms. Wu monthly income of 7,000 yuan, the work belongs to the nature of contract employment. There is an 8-year-old daughter, 3rd grader. Its financial status: the existing stock 50000 yuan (quilt cover after the securities worth about 2 million), the fund 50000 yuan (net present value 30000 yuan), since the purchase of housing value 700000 yuan, a car. There are also deposits of 150,000 yuan, 120,000 yuan bank financial products. Basic expenditure: The average monthly maintenance of 3,000 yuan, a family monthly basic living expenses of 3,000 yuan, annual tourism spending 10,000 yuan, annual payment of both parents pension 20,000 yuan, irregular annual expenditure 20,000 yuan.