Mr. He graduated from university last year and has been working for a year now, with a stable job. He currently has 60,000 yuan in savings, earns 3,200 yuan per month, and spends only 1,000 yuan on daily expenses. Additionally, he pays 1,000 yuan monthly for a dividend-type insurance policy that includes critical illness insurance, accidental injury insurance, and hospitalization allowance.
He is considering dropping some of his insurance coverage to invest in mutual funds, stocks, or other financial products.
Although Mr. He has not been working for long, his job is stable, and he has no debt. His current monthly salary is 3,200 yuan, with an estimated annual income of about 40,000 yuan last year, saving around 15,000 yuan annually. It is believed that his income will increase year by year. Mr. He is still young and may not yet be married or have children, but as he grows older, the costs associated with marriage and childbearing will increase.
From the perspective of Mr. He's current asset status, his financial situation appears relatively stable. He also has some investment in welfare and security (as seen on Shunyi recruitment website [http://www.shunyijob.com]). Moreover, his desire to abandon some insurance policies to invest in mutual funds or stocks indicates that he has a certain level of risk tolerance and preference for taking on some investment risks.
Being young with a stable income and potential for growth, Mr. He’s current family burden is relatively light. However, looking at the medium to long term, this burden will gradually increase, making personal risk prevention measures indispensable.
Mr. He's monthly living expenses are not high, mainly due to the fixed expense of 1,000 yuan per month for the dividend-type insurance (covering critical illness, accidents, and hospitalization allowances). This is actually very necessary, and it is recommended that he continue with it. If he wants to invest in mutual funds or stocks, he can use his savings and monthly surplus funds for such operations (as seen on Changping recruitment website [http://www.cprcw.com]).
It is advised to maintain the monthly insurance contributions. It is suggested to set aside about 10,000 yuan in savings as emergency funds to guard against unexpected events. These emergency funds can be used to purchase money market funds, which had an average annual return of about 4% last year. The redemption of funds takes only two working days, offering flexibility and higher returns.
It is recommended to do proper asset allocation by dividing the funds into two parts: one for stable low-risk investments and the other for growth-oriented high-risk investments.
Currently, there are many stable low-risk investment products available, such as fixed-term savings, government bonds, steady wealth management products from Industrial and Commercial Bank of China (ICBC), and bond funds. These products feature low risk and relatively high returns. Currently, the interest rate for a one-year fixed deposit is 3.5% (as seen on Shunyi recruitment network [http://www.shunyijob.com]), while the yield on one-year government bonds is slightly higher than that of a one-year fixed deposit. ICBC's one-year wealth management product has an annualized return of around 5.4%-5.8%, with a minimum purchase amount of 50,000 yuan and various terms such as 90 days or 150 days. The annualized return on bond funds varies depending on the fund company's operations and entry timing, but most fund companies believe that the bond market has profit potential in 2012, expecting returns of around 6%-8%.
Growth-oriented high-risk investment products carry higher risks, with uncertain returns. The return rates can fluctuate significantly, ranging from +100% to -30%. Stocks and stock funds fall into this category. If interested in investing in these products, it is suggested to choose a method of phased and batched investments. For example, one could opt for regular investment plans to purchase open-ended stock funds, committing a fixed amount of 500-1000 yuan each month to continuously buy shares in a single stock fund, thereby achieving the effect of risk diversification and averaged investment.
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