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初为父母,在保证家庭收支平衡、财富结构合理的基础上,还要开始进行孩子的成长及教育金规划。在孩子不同的成长阶段,父母的财富管理策略也应有所调整。董先生29岁,董太太25岁,刚刚孕育了一个孩子。夫妻双方父母健在,夫妻有1套两室两厅的住房,价值128万元,房款双方出资,无贷款,也无其他负债。董太太结婚陪嫁1辆汽车,价值16万元,陪嫁黄金价值6万元。董先生在一国企部门做管理工作,每月收入6500元,年终奖4万元。董太太是国家公务员,每月收入5000元,年底12月双薪,年终奖3.5万元。董先生结婚至今2年多,家中有现金2万元,定期存款
For the first time as a parent, on the basis of ensuring the balance of household income and expenditure and the rational structure of wealth, it is also necessary to start the program of children’s growth and education. In different stages of children’s growth, parents’ wealth management strategies should also be adjusted. Mr TUNG is 29 and Mrs TUNG is 25, just gave birth to a child. Parents of both husband and wife alive, the couple has a set of two rooms and two halls of housing, the value of 1280000 yuan, housing funds both sides, no loans, no other liabilities. Mrs. Dong married a car, worth 160,000 yuan, 60000 yuan worth of gold dowry. Mr. Tung manages in a state-owned enterprise sector with a monthly income of 6,500 yuan and a year-end prize of 40,000 yuan. Mrs. Dong is a national civil servant with a monthly income of 5,000 yuan and a double pay by the end of December and a year-end prize of 35,000 yuan. Mr TUNG has been married for more than two years now and has 20,000 yuan in cash at home and time deposits