Collect young lady predicting income can present the trend that rise, but also be faced with those who buy room, children to teach expense to increase. Collect the young lady is short-term the hope can put brushstroke money to be used at children before 30 years old education and buy room head period to pay. In the growth that can have stability for a long time, avoid the economic pressure that inflation brings, still children is fostered and parental provide for. So, to balance all sorts of targets, assure the implementation that the family imagines from finance affairs, need undertakes carefully planning.
Insurance essence mathematics is professional, finance of Er of Beijing east China seeks advice from senior researcher of finite liability company, ever held the position of Chinese people the birthday danger program of life-insurance company is advisory, the development that pursues insurance essence calculating theory and management of risk of solid Wu zephyr and insurance for years studies, plan to plan to have original opinion with integrated economy to financial program, taxation, participate in write " qualification of profession of country of division of program of conduct financial transactions grooms tutorial " and " qualification of profession of country of division of program of conduct financial transactions grooms tutorial exercises book " , main research direction plans for finance affairs and treasurer program, taxation and risk management and insurance plan to wait, be engaged in attestation of qualification of profession of national economy division for a long time grooming schoolteaching job. Preliminary diagnoseThrough be opposite collect the young lady is basic and financial the analysis of the data, we reach as follows the financial ratio of the watch. 1. The income that balance rate can reflect a client is in the odd degree after quits expenditure, can know the client raises his so the ability of net assets, can make a sound program to balance capital of the client thereby. Balance rate =34% , make clear collect state of the young lady's income, defray is relatively reasonable, can see from inside the scale of lunar expenses project, collect the consciousness that the young lady invests is stronger, below the premise that holds certain deposit, having modest investment is very well-advised practice. 2. The rate of investment and net assets can reflect the client's current investment rate, unfavorable and exorbitant or this cost is too low, calculate according to experience, general 50% the left and right sides is more appropriate, investment and =31% of net assets rate, itself of demonstrative collect young lady has certain investment consciousness, but the specified number that has investment is spent inferior still, should increase the proportion that invests capital and the configuration that invest breed appropriately, dispersive risk, increase profit. 3. Liquidity percentage can mirror liquidity capital fund of the client to be able to pay future the defray of a few months, last when the client namely the expenditure that a few months issue to be able to satisfy this paragraph of time by liquidity capital fund without the circumstance of income. Liquidity percentage =2.05, the liquidity capital fund of allusive collect young lady can pay future the expense of 2.05 months, calculate a standard under our experience, need increases appropriately, but the problem that should notice profitability and fluidity photograph match.Previous12 Next
