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某公司主管今年50岁,妻子45岁,夫妻两人年总收入16万元,双方均有社保,医保。有一个孩子准备上大学。在市区内有住房一套,150平方米(市值大约50万元),另有存款约40万元,股票市值约10万元(原15万元)。去年一家三口做了一个保险方案,每月支付保费约3000元;每月日常支出约4000元。像这样的家庭该如何理财?应该怎样处理投资比例?
A company director 50 years old this year, his wife 45 years old, husband and wife total annual income of 160,000 yuan, both social security and Medicare. Have a child ready to go to college. In the urban areas have a set of housing, 150 square meters (market value of about 500,000 yuan), and another about 400,000 yuan deposit, the stock market value of about 100,000 yuan (the original 150,000 yuan). Last year, a family of three made an insurance plan, paying a monthly premium of about 3,000 yuan; the monthly routine expenses were about 4,000 yuan. How should such a family manage their money? How to handle the investment ratio?