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李先生今年48岁,在北京远郊自办企业,经营汽车配件,近几年企业发展较好,每年收入约为60万元。妻子今年45岁,无固定工作,以照顾家庭为主。孩子今年16岁,刚上高中一年级。李先生父亲和其妻子的母亲均已离世,另外两名老人都搬来北京居住,需要二人一定的照顾。李先生家庭资产情况如下:银行存款50万元,债券型基金20万元,股票10余万元;李先生2004年购买了一套150平米的住宅,一家三口居住,贷款已还清。李先生为孩子购买了20万元保额大病和意外保险,年缴保费6000余元,夫妻二人未购买保险。李先生的家庭开支每月约为1.2万元,包括养两辆车的费用、家庭开支以及孩子的花销,另外,每月还需拿出4500元的租金,为双方老人各租一套房。李先生感觉经营企业非常辛苦,希望儿子大学毕业以后能接手企业,自己和妻子过上悠闲的“退休生活”。他希望除了经营好企业,能找到其他有效的理财方式,帮助他实现目标。
Mr. Li, 48, is a privately owned company that operates auto parts in the outskirts of Beijing. In recent years, the company has enjoyed a good development with an annual revenue of about 600,000 yuan. My wife is 45 years old and has no permanent job to take care of her family. The child is 16 years old and has just completed the first year of high school. Both Mr. Li’s father and his wife’s mother have already passed away. The other two elderly people have moved to Beijing to live in Beijing and need to take some care of them. Mr. Li’s family assets are as follows: bank deposits 500,000 yuan, bond funds 200,000 yuan, stocks more than 10 million; Lee bought a set of 150 square meters of housing in 2004, a family of three living, loans have been paid off. Mr. Lee bought 200,000 yuan for the child insurance coverage and accident insurance, annual premium of 6,000 yuan, the couple did not buy insurance. Mr Lee’s family expenses are about $ 12,000 per month, including the cost of raising two vehicles, family expenses and children’s expenses. In addition, a monthly rent of $ 4,500 is also required to rent a suite for each of the elderly. Mr. Lee felt very hard running business, hope his son graduated from college to take over the business, his wife and his leisurely “retirement ”. He hopes that in addition to running a good business, he can find other effective ways to manage his money and help him achieve his goal.