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《理财》编辑:我今年45岁,是一家私营企业老板,创办企业13年。太太40岁,为全职家庭主妇,儿子今年17岁,目前在国内上高中二年级。我税后月工资收入3万元,名下的私营企业税后年净利润70万元,预计未来营业收入增长趋缓,打算再经营10年。一家三口家庭生活月开支约2万元,孩子养育费用支出8万元,其他年支出10万元,双方父母赡养8万元,家庭总年支出50万元。我们夫妇有社保和医保,但退休时参保年限短,为15年。社保领取额与家庭年消费差额较大,因此想通过经营企业获得更多的收入,并通过家庭自有财产进行养老资金的准备。家庭现有银行存款金额160万
“Money” Edit: I am 45 years old, is a private business owner, founder of the enterprise for 13 years. 40-year-old wife, a full-time housewife, son, 17 years old this year, currently in high school sophomore. My monthly income after tax of 30,000 yuan, the name of the private sector after tax net profit of 700,000 yuan, the expected future growth of operating income slowed, intends to operate for 10 years. A family of three family monthly expenses of about 20000 yuan, child rearing expenses 80000 yuan, the other annual expenditure of 100000 yuan, 80000 yuan both parents support the family total annual expenditure 500000 yuan. We couples have social security and medical insurance, but retirement insured for a short period of time, for 15 years. The difference between social security contributions and annual household consumption is large, so that we want to get more income through the operation of enterprises and make provision for pension funds through family-owned property. Family existing bank deposits amount 1.6 million