Financial Planner: Feng Yuting, financial manager of people's Middle Road branch of Pudong Development Bank,Designer Womens Apparel, AFP (Financial Planner) holder,         
case introduction:
Mr. Zhang is 62 years old and his wife is 60 years old. He has retired. Now I move from my hometown to Kunming and live with my daughter. Mr. Zhang and his wife's monthly retirement pay add up to 4000 yuan, which costs about 2500 yuan a month. Now there are about 150 thousand yuan left in the spare cash, which has always existed in banks and I don't know how to handle them.
financial goals:
1. at present,bcbg clothing, the market of financial products are all kinds of products, do not know which products are safe and have a certain rate of return, more suitable for the elderly like themselves?
2. wants to give her daughter appropriate help in life, without affecting the standard of living, while traveling, she wants to travel.
financial advisor recommends:
1. robust investment, capital safety is the key
elderly financial management should be based on stability, priority should be given to the risk prevention of financial varieties, investment needs to be the main standard of security, and use the low risk management products that can obtain stable income to meet. At present, many banks have launched a financial product with low risk and higher yield than the deposit interest rate of the same period. According to different maturities,Cheap Clothes Online, the rate of return is generally between 5.5%~6.5%. Some banks also specifically launched the exclusive "pension" financial products for the elderly. In addition, national debt is also a good investment option for pensions, and its return rate is higher than that of fixed deposit rates.
it is worth noting that stocks, futures, gold and other products are highly risky and volatile, and are not suitable for the elderly. Even if some old people have rich family assets and relatively strong risk resistance, they also have some investment experience, but it is not suitable to bear the risk of the market rising and falling. The proportion of investment should be controlled by about 10% of the family financial assets.
2. emergency fund retention
as the age increases, there are many places for the elderly to spend money, so we must give full consideration to the liquidity of the funds. Robust earnings management products are good, but there are also deficiencies. Generally, low risk bank financing products usually have a lockup period and can not be withdrawn in advance, while the Treasury bonds will be charged in advance. It is suggested that Mr. Zhang should not spend more than 80% of his investment in financial management, leaving the remaining 20% as emergency funds for rainy days. Emergency funds can be processed into fixed deposits at the bank to increase revenue. Mr. Zhang has a balance of 1500 yuan a month. He can consider the fixed investment of Monetary Fund or zero deposit, and give some support when his daughter needs it.
3. healthy life should guarantee
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