Mr. Chen, aged 39, is currently the chief financial officer of a foreign company with an annual salary of one million yuan. Mrs. Chen, 36, is an employee of a foreign-funded company with an annual salary of 200,000. My daughter is five years old this year. At present, the family's monthly living expenses are 40,000 yuan. Mr. Chen has a house of 150 square meters, with three bedrooms and two halls, with a market value of about 5 million and no mortgage. There are 2 million bank wealth management products and 8 million demand deposits. Mr. and Mrs. Chen are usually very busy at work and don't know much about the financial market, so they only bought bank wealth management products and put the rest of the funds in the bank. In addition to social security, Mr. and Mrs. Chen also bought some commercial insurance, and the annual premium expenditure is about 20 thousand yuan. Retire early at the age of 2.50 and realize financial freedom as soon as possible. 3. Prepare an education fund for my daughter to study in the United States. The Chen family's accumulated assets are150,000 yuan, of which fixed assets account for 33.3%, financial assets account for 66.7%, and there is no debt. Financial assets are mainly bank wealth management products and demand deposits, with low yield. The spare money of 654.38+million and the monthly balance are almost sleeping or even depreciating. The current investment market is really bad, but it doesn't mean it will always be bad. We should look at the problem from the perspective of development. It is precisely because it is in a downturn and at the bottom that it may be a good time to invest. Geshang Finance suggested that Mr. Chen Can realize the preservation and appreciation of the overall assets through reasonable asset allocation. Financial planning: 65,438+00,000,000 yuan of assets, 65,438+0, preservation of assets: a) capital preservation fund: the current global economic environment is not very optimistic. It is suggested that Mr. Liu allocate a capital preservation fund of RMB 65,438+0,000,000. Even if the market continues to deteriorate, the principal can be guaranteed at 65,438+000%, and once the market presents opportunities, it will give investors a good return. B) Bank demand deposit: It is suggested that Mr. Liu deposit 654,380,000 yuan of assets into bank demand deposit in case of emergency. C) Monetary Fund: The Monetary Fund specializes in investing in the risk-free money market, with the characteristics of high security, high liquidity, stable income and "quasi-savings". It is suggested that Mr. Liu Can invest 654.38+00000 yuan in this kind of products. According to the investment age theory, the proportion of high-risk investment is 100%- (current actual age)%; Steady investment ratio: 100%- high-risk investment ratio. We have allocated 3 million fixed investment products to Mr. Chen, which is quite reasonable. 2. Asset appreciation: a) Collective trust financing plan: The bank deposit income is low, and it can't resist inflation, so you can choose more stable financial products to make up for it. The trust financing plan for fixed income products can be the first choice because of its low risk and high income. Under the existing market risk system, it can give customers a relatively stable return on investment. Although the trust products do not promise to protect the principal, so far, the principal trust products have not repaid the principal and interest as scheduled. The specific allocation is to divide the funds into two 3 million yuan, which are allocated to a one-year trust plan and a two-year trust plan respectively. The expected annualized returns are 9% and 10.5% respectively, which can basically preserve the value in the era of inflation. B) Sunshine Private Equity Fund: Sunshine Private Equity Fund is the best choice for large investors to allocate assets. It is a fund invested in the stock market after being filed by the regulatory authorities. The funds are managed by a third-party bank and have regular performance reports. Sunshine private equity fund is standardized and transparent, because it can guarantee the safety of private equity subscribers' funds by issuing through the trust company platform. Sunshine Private Equity pursues absolute returns, has a revenue sharing mechanism, and can motivate fund managers to the maximum extent, so its performance far exceeds that of Public Offering of Fund. With the diversification of innovative private equity funds, it has brought many surprises to the private equity industry and investors. It is suggested that Mr. Liu allocate 3 million sunshine private equity products and choose a professional third-party financial institution. Generally, through the preferred private placement products, the annual income can be stabilized at around 30%. If he chooses innovative private equity products to hedge stock index futures, the income may be more. After optimizing the above fixed products, Mr. Liu Can completely switched to high-yield floating sunshine private equity products. C) Public Offering of Fund: As a public financial management tool, Public Offering of Fund is a good investment tool at present, because it has the advantages of collective financial management and expert management, which can effectively save time and energy. Funds should be allocated well. By allocating fund products with different investment styles, investment risks can be effectively reduced and stable returns can be obtained. It is suggested that Mr. Liu allocate 6,543.8+0,000 yuan. (The long-term investment yield of stock funds is 8%-20%, hybrid funds are 6%- 15%, and bond funds are 4%-8%. ) buy yourself enough insurance. Mr. Chen is the main economic pillar of the family, accounting for 83% of the family income. In case Mr. Chen has an accident, it will have a great impact on his family, so I suggest Mr. Chen buy enough insurance for himself, so as to better protect his wife and children. According to the expenditure of Mr. Chen's family, the annual expenditure is about 480 thousand yuan. According to the "Double Ten Principles" of insurance purchase, Mr. Chen's personal protection amount is about 5 million yuan, which can be matched with life insurance of 3 million yuan and accident insurance of 2 million yuan. Since the original universal insurance only allocated 200,000 yuan for critical illness protection, if you want to obtain superior medical services, it is recommended to allocate 800,000 yuan for critical illness protection. As for the wife, it is suggested to keep the existing universal insurance and add a 800,000 critical illness protection. Mr. Chen and his wife both work in foreign companies. Due to the influence of the environment, they plan to send their children abroad for university education in the future, so as to create better conditions for their future employment. According to the current inflation rate of 300,000 yuan per year and 3% for studying in the United States, Mr. Chen needs to prepare about 6.5438+0.76 million yuan for his daughter. It is suggested that Mr. Chen make use of the current high monthly balance to reserve by fixed investment. On the one hand, he can avoid the risk of market fluctuation and get a relatively reasonable return; On the other hand, he can use the power of compound interest to make long-term savings.