129773438603593750_139Finance Division: not too dependent on the dividend is necessary for proper asset allocation, annual household income of $ 476,000 in the middle-class families, how to implement sending her son to study abroad, and purchase protection at family goals? For rent in Foshan area and dividends as the main source of income of the family, an interview with reporters yesterday related to the case, and planning by financial experts provide readers with reference。 Furniture boss: 470,000 years revenues for sending her son studying abroad apeng 41, Shunde Longgang is a furniture factory owner. Factory products are mainly for export, financial crisis of 2008 and 2011 a great blow to business also apeng initiation means a draw back wisely. But how about a furniture business and protection of family life into a apeng most troubling challenges。 According to the analysis, apeng couples 2011 annual household income of $ 476,000, $ 350,000 of them from the factory of year-end dividends, $ 120
tera gold,000 for rental income; gross expenditure of $ 400,000, the surplus is $ 76
tera gold,000. In terms of household balance sheets, apeng total assets of 5.99 million the previous year, in which factory estimated value of $ 4 million, real estate 3 $ 1.3 million; total liabilities 140 Yuan and net assets of $ 4.59 million. After consultation, apeng family wealth planning needs: "sending her son to the United States to study, after returning the $ 1 million for his business. Buy total protection, not being a huge medical expenses dragged his wife and children. Two couples retired after 10 years, transfer or closure of the factory. "Analysis: 80% family linked to the dividend income and the factory is a single based on theseInformation, will finance research and Development Director buzhuojun apeng couples out for a few of the more significant question: currently apeng relying too heavily on factories operating results of family income. Among them, 82% household income of year-end dividends from the factory, but very unstable, and 18% is not enough to support a apeng expenditure. At the same time, apeng rely mainly on the House retirement home. Apeng 3Building on the property is a Homestead, are primarily migrant rental. However, as it is not optimistic about economic prospects, Longgang migrant workers significantly reduced in recent years, it has caused a apeng House falling occupancy rates and rental income. In addition, the risk concentration of investment in the stock market. "Apeng couple investment seems to be dispersed, but essentially is almost all investment in the Chinese unitCity. Because in addition to stocks, investment and even risk of buying by funds and most are also invested in the stock market.
"Instead, in terms of insurance as a protection, as the pillar of the family apeng in terms of life insurance to buy a minimum of protection if he came out of the accident, a mere $ 300,000 even the debts were not enough
tera power leveling, not to mention the complete sending her son to go to United States desire to study abroad. Zhizhao: increased investment in life insurance increasedImpaired by objectives and risk assessment, will finance financial planning to apeng, which in terms of investment: to invest at a time from assets to invest $ 250,000 in financial products, subsequent year invested $ 200,000 in annual income, invested 10 years in a row. Target configurations for the relocation of assets (see table below), children studying, undertaking and the two couplesRetirement issues. In terms of security, apeng needs 3 million life insurance protection 20 medical guarantee in life-long needed 500,000 zhongji and $ 300,000 per annum; Peng she needed $ 1 million life insurance protection 20 life-long needed $ 500,000 zhongji and $ 300,000 per annum medical insurance; son does not require life support, life-long needed $ 500,000 zhongji and $ 300,000 each year health care. ThisGuarantee that when a family member has died or disease will not constitute the economic crisis at home. "Under the current financial scheme, apeng 10 years should be able to achieve your financial plan and goals. "Buzhuojun said. (Editors: Zhang yaoxue)
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