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Lone man month enters 4000 yuan how to plan capital implements the program that

From;  Author:Stand originally
Gentleman of the Kingdom of Wei this year 27 years old, maiden, the job is fast 4 years, month all income 4000 yuan, unit capture " 3 gold " , have a meal at ordinary times, accommodation is in basically unit, every months of expenditure is controlled on average in 1500 yuan. Have the plan that buy a house nearly two years, oneself have deposit 20 thousand yuan.

How should gentleman of the Kingdom of Wei plan his capital, make oneself living standard is not reduced can you accumulate wealth well again? Additional, have small investment to suit him?

Proposal of conduct financial transactions

Gentleman of the Kingdom of Wei has not marry, 37.5% what every months of defray takes income, pay level on the high side. What individual capital fund attributes before marrying is tall accumulate period, should strengthen deposit, sound investment, arrange marriage fund as early as possible. Gentleman of the Kingdom of Wei is young still now, current investment need not too conservative, because this makes the following proposal.

Show 20 thousand yuan of some deposit, optional choose buys a few to slant model open mode fund. Fund of stock open mode brought 100% right-and-left profit for investor 2006, reckonned stock market wave motion can be increased 2007, but Chinese economy is long-term to good, security market is macroscopical backdrop is relatively favorable, will for a long time tell can maintain go up on the whole prices, if fund presses year of yield 40% will calculate, peace treaty of the capital and profit after two years is 39 thousand yuan.

To surplus of every months, first obligate makes bank deposit 5000 yuan or the calm danger such as monetary market fund invests, make untimely needs in order to ensure the security that integral asset combines is mixed. The others chooses norm every months to deliver fund of stock development type surely (secure investment every months namely 2500 yuan buy) of open mode fund, insist for a long time to be able to be stabilized gain profit, if press year of accrual 35% will calculate, peace treaty of the capital and profit after 2 years is 76 thousand yuan.

Purchase house proposal

After 2 years, gentleman of the Kingdom of Wei has golden financing to produce 120 thousand yuan, if be used at paying entirely,buy a house head pay, by head pay 30% , mortgage loan 70% , can buy total house price to be 400 thousand yuan house property about only. In the country at present setting of macroscopical adjusting control falls, in last few years house price apt dish whole situation. Accordingly, if do not have the capital allowance with additional family, the proposal postpones the plan that buy a house, the plan that buy a house goes again after 4 years.

20 thousand yuan of existing investment slants model open mode fund, if press year of yield 40% computation, peace treaty of the capital and profit after 4 years is 77 thousand yuan.

First obligate makes bank deposit 5000 yuan or the calm danger such as monetary market fund invests, the others norm delivers stock fund surely, if press year of accrual 35% computation, after 4 years, peace treaty of capital and profit is 236 thousand yuan.
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