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南京的万小姐在一家设计公司工作,26岁,按她自己的话讲,目前处于“待嫁”状态,准备在未来两年内和男友走入婚姻殿堂。万小姐工作3年,目前年收入为11万元,但由于平时喜欢逛街、旅游,支出也较大,每年仅能结余2万元左右。其个人资产约为13.5万元,包括住房公积金3.5万元,养老金账户4万元,还有活期存款3万元、股票型基金3万元。保险方面,有单位为其购买五险一金。万小姐未来的婚房不用发愁,男方有一套100平方米的住房,但男方和万小姐初步商议,装修费用由男方出,但电器、家具由万小姐支出,需准备资金15万元左右。万小姐从事的设计工作需要在未来几年继续进修,每年可能将增加开支1万元左右。另外,万小姐还希望为未来的孩子准备一些教育费用。由于和男方早已达成共识,婚后财产各自掌握,因此万小姐希望能找到合适的投资理财方案,为自己攒下一笔“私房钱”。
Miss Wan of Nanjing worked for a design company, at the age of 26, in her own words, currently in a state of “pending marriage,” ready to marry her boyfriend in the next two years. Miss million work three years, the current annual income of 110,000 yuan, but usually like shopping, travel, spending more, each year only a balance of 20,000 yuan. The personal assets of about 135,000 yuan, including housing fund 35,000 yuan, 40,000 yuan pension account, there are 3 million current deposits, stock funds 30,000 yuan. Insurance, a unit for its purchase of a five insurance a gold. Miss million future marriage room do not have to worry about, the man has a 100 square meters of housing, but the man and Miss Wan initial deliberation, renovation costs from the man out, but appliances, furniture Miss million expenditures, the need to prepare capital of about 150,000 yuan. Miss Wan engaged in the design work needs to continue in the next few years, each year may increase spending about 10,000 yuan. In addition, Miss Wan also hope for future children to prepare some education costs. As the man has reached a consensus already, the property after marriage each have their own masters, Miss Wan hopes to find a suitable investment and financial management programs, save for themselves a “private money ”.