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我是一名私营企业主,企业规模不算大,是做玩具加工的,夫妻一起经营。前几年效益还可以,在北京比较好的位置购买了住房,也购置了用车,没有负债。但是剩余的资金又都投入到企业生产中,留出10万元做家庭备用,存做定期;并在前年时用20万元购买了一只基金,到现在亏剩8万元。目前市场不景气,企业效益平平。夫妻双方父母不需照顾(子女多),儿子正在上大学.后年毕业,准备将来给他买一套房子。未来几年,假如能保证20万元的年收入,如何理财更好?(一家三口均未购买保险,无理财经验)
I am a private entrepreneur, business scale is not large, is doing toy processing, husband and wife together. A few years ago the benefits can be, in Beijing, a better location to buy a house, also bought a car, no debt. However, the remaining funds have been invested in the production of enterprises, setting aside 100,000 yuan for household backup and for making regular payments. In the previous year, a fund of 200,000 yuan was purchased and the current deficit was 80,000 yuan. The current market downturn, business benefits mediocre. The parents of both husband and wife do not need to take care of (more children), his son is in college.After graduation, ready to buy him a house in the future. The next few years, if you can guarantee 200,000 yuan in annual revenue, how to manage money better? (A family of three did not buy insurance, no wealth management experience)