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理财需求若水的目标是能够在3年内攒够进修的钱,大约10万元。每年能够有约5000元用于旅游。因而,她需要一个清晰合理的理财计划以及目前生活开支上的建议。理财组合建议(1)日常生活开支年安排22440元。(2)健身健美年安排2400元。(3)旅游消费年安排5000元。(4)紧急备用金年安排3000元,其中1万元以定活两便存款形式保持一个常数。(5)住房消费年安排22648.80元。(6)避险投资继续维持现有保单效力,并每年购200元人身意外伤害保险。年安排4750元。(7)证券投资年安排1万元。
If the goal of financial management needs is to save enough money for further education within three years, about 100,000 yuan. About 5,000 yuan each year can be used for tourism. Therefore, she needs a clear and reasonable financial plan and the current cost of living advice. Money management recommendations (1) arrangements for the expenses of daily living 22,440 yuan. (2) fitness and bodybuilding arrangements 2,400 yuan. (3) Tourism spending arrangements for 5,000 yuan. (4) Emergency Reserve The annual arrangement of 3,000 yuan, of which 10,000 yuan to maintain a constant deposit in the form of living. (5) Housing consumption arrangements 22648.80 yuan. (6) Safe-haven investments continue to maintain the effectiveness of existing policies and purchase a monthly personal accident insurance of 200 yuan. 4750 yuan in the arrangement. (7) Securities investment arrangements for 10,000 yuan.