个案资料

Case material

　　小王，女，32岁，已在外企工作6年，工资税后年薪21万元（其中3万元为每年奖金），每年其他收入（兼职）2万元。

wang,female,32,Already working at a foreign company 6 years,Salary after tax yearly salary 210000 yuan(Of which 30000 yuan each year for the prize),Other income per year(part-time)20000 yuan.

　　定存13万元，大部为定存3个月、6个月、1年，现在每个月都会有一份定存到期。股票6.5万元，打平，暂不会卖出。黄金首饰价值4万元。1份理财产品5年后到期，2016年会收10万元。

Fixed deposit 130000 yuan,Most time deposit for three months/Six months/1 year,Now every month can have a fixed deposit maturity.The stock is 65000 yuan,planishing,Temporary won't sell.Gold jewelry value 40000 yuan.A financial product expires after 5 years,Receives 100000 yuan in 2016.

　　每年需缴大约35000元的费用（年缴，包括人寿、储蓄保险），基金定投每月扣1480元，所有供款在48岁前完成，在60岁时会产生大约300万元，将用作退休生活费。

Every year needs to pay the cost of about 35000 yuan(Year pay,Include life/Deposit insurance),Fund to be cast surely monthly button is 1480 yuan,All contribution in 48 years ago finish,In the 60 years old can produce about 3 million yuan,Living expenses will be used for retirement.

　　保险方面已有足够的保障，暂不考虑增加。

Insurance have enough security,Temporary not consider increase.

　　每月支出：给父母2500元, 个人支出3000元-4000元，已有住房，无贷款。

Monthly expenditure:To parents is 2500 yuan, Personal spending 3000 yuan - 4000 yuan,Existing housing,Out of debt.

　　有一稳定男友，但未有结婚和生孩子的打算。

There is a steady boyfriend,But there is no plan to get married and have children.

　　财务状况分析 Financial situation analysis

　　王小姐现在的财务状况可算得上名副其实的白领“单身贵族”，而且就目前王小姐的资产配置情况来看，保险、定存、基金、股票、黄金类投资均有涉足，全面地覆盖了理财金字塔，可见王小姐不仅仅在工作领域年轻有为，对于自己的财务打理也做到井井有条。总结来看，王小姐储蓄能力和投资能力都较强，固定收益类投资及权益类投资比例也相对适宜，财务状况良好。下文的规划建议，针对王小姐现有规划的查缺补漏。

Miss wang now financial situation can calculate on white-collar worthy of the name"Lone noble",And the miss wang asset allocation situation,insurance/Fixed deposit/fund/stock/Gold class investment are involved in,Fully covered the financial pyramid,Miss wang is not only in work area young and promising,For their own financial do also do in perfect order.Summary to see,Miss wang savings ability and investment capacity is strong,Fixed income investments and rights and interests kind investment ratio is relatively appropriate,Good financial status.Below the planning proposal,According to the existing planning of miss wang check mend a leak.

　　

将定存转为理财产品 Save will be set to financial products

　　理财目标 根据现有情况，想咨询一下对本人有益的理财方案。

Financial goals according to the existing situation,Want to seek advice to my good financial management program.

　　王小姐目前在银行有定期存款13万元，存期分别为3个月、6个月和一年期，想必这样的储蓄方式也是经过细心规划和安排。一方面，既能够保证每月都有到期的资金，享受很高的资金流动性，另一方面，还能够享受定期存款的储蓄利率。像王小姐这样对于投资期限的巧妙安排，值得很多投资者借鉴。

Miss wang is currently in the bank deposit 130000 yuan,Maturity respectively for 3 months/6 months and one-year,Thought such savings mode is through careful planning and arrangement.On the one hand,It can ensure monthly have mature capital,Enjoy a high liquidity,On the other hand,Can also enjoy the savings deposit interest rates.Like miss wang so with the investment period clever arrangement,Worth many investors reference.

　　不过，按照目前人民银行公布的个人存款利率，一年期存款为3%（几乎各家银行都会做10%的上调，实际市场上一年定期利率为3.3%），半年期和3个月期限的定期存款利率又会比一年期再低一些。王小姐其实可以考虑投资银行现在热销的理财产品（一般起点购买金额在5万元），像2个月左右的理财，各家银行的平均报价应该在年息4.4%左右，收益率方面相较于定存还是有很大优势。

but,According to the currently published by the people's bank of individual deposit interest rates,The one-year deposit is 3%(Almost Banks will do 10% of the increase,The actual market last year regular rate is 3.3%),The 6-month and 3 months period deposit interest rate and is better than the lower.Miss wang actually can consider investment Banks are now sell like hot cakes of financial products(General starting point buy amount is in 50000 yuan),Like two months financial management,The average Banks offer should be around 4.4% annual interest,Yields aspects compared with fixed deposit or has great advantage.

　　王小姐如果依旧能在期限上合理安排，譬如每隔一个月购买一期理财，流动性还是能够保持在现在的水准的，每个月都能有到期的资金，同时，还能够把这笔资金用更高的收益率滚动起来，何乐而不为呢。

Miss wang if still can be in duration to the reasonable arrangement,Such as every other month to buy a period of financial management,Liquidity can still keep in today's level,Every month to have matured funds,At the same time,Still can put the money with a higher rate of return rolling up,What is there against it?.

　　

每月结余定投货币基金 Monthly balance is cast surely monetary fund

　　理财目标 每月结余五六千元左右，不知道还可以怎样处理。另外每年计划去一至两个地方旅行。

Financial goals monthly balance 56000 yuan,Don't know how to deal with.In addition every year plan to go to one or two a place to travel.

　　刨除每个月的各类支出，王小姐的每月结余还有五六千元左右，如果这笔资金考虑每月定存，一笔一笔零散的定存势必会让王小姐的整体投资变得散乱而不好管理，所以可以考虑投资货币基金，采用定投的方式每月买入。

Reduce all kinds of spending every month,Miss wang's monthly balance and 56000 yuan,If the money consider monthly time deposit,A sum of a scattered fixed deposit will let miss wang overall investment become scattered and bad management,So can consider investment monetary fund,The way to decide the monthly purchase.

　　一来，市场上货币基金目前的7天平均年化收益率会略高于一年定期存款，同时起点金额不高；二来，货币基金可以随时赎回，会让资金保持良好的流动性，这笔投资可以作为王小姐旅行规划的预备金，按王小姐目前的储蓄能力，三四个月的投资，应该就够一次高质量的旅游经费了。

way,The market monetary fund the current seven day average annualised rate of return may be slightly higher than a one-year time deposit,At the same time starting point amount is not high;secondly,Monetary fund can redeem at any time,Will make money to maintain good liquidity,The investment can be used as miss wang travel planning reserve,According to miss wang current savings ability,Three or four months of investment,Should a high-lever enough quality tourism funding.

　　谈到旅游，目前在网上淘特价机票，再安排自由行是比较流行的旅行方式之一，众多白领乃至创业企业家都很推崇这种旅游方式。王小姐每月定投货币基金，正好可以为这种随时出发的旅行留出预备金，做好随时背包出发的准备。

When it comes to travel,At present in the online tao special ticket,To arrange free line is one of the popular way to travel,Many white-collar workers and entrepreneurs are very praise highly the tourism way.Miss wang monthly monetary fund is cast surely,Just for this at any time can the trip reserve set aside,Do always backpacks ready to start.

　

　房产投资建议暂且推迟 Real estate investment advice for a delay

　　理财目标 希望2年内买一套200万元左右的房子，用于出租。

Financial goals hope 2 years to buy a 2 million yuan house,Used for rental.

　　谈及房产的购置，首当其冲要面对的自然是资金问题，按照目前国家购房政策，王小姐如果是首次购房的话，首付比例不得低于房屋总价的30%，200万元左右的住房需首付约60万元；如果是二套住房的话，首付比例不得低于60%，那么就是120万元左右。

Talked about real estate purchase,Bear the brunt of the nature is the problem of funds,At present the country in accordance with the policy,Miss wang is the first if the words,Down ratio shall not be less than 30% of total building,2 million yuan housing should be down about 600000 yuan;If it is the second set of housing words,Down ratio shall not be less than 60%,It is 1.2 million yuan.

　　如果王小姐可以享受首次购房的政策，那么也至少需要在2年内积攒60万元的资产用于支付首付，以王小姐现在的财务状况来看，存款、股票以及贵金属资产合计约24万元（未算上2016年到期的理财资金10万元），按照王小姐目前的财富积累速度，如果没有家庭的资助，2年内积攒60万元首付相对有些压力。

If miss wang can enjoy the policy for the first time,So also will need at least 2 years accumulate 600000 yuan of assets in which to pay down,Now with miss wang of the financial situation,deposit/Stock and noble metal total assets of about 240000 yuan(Not including 2016 mature financial capital is 100000 yuan),According to miss wang current wealth accumulation speed,If there is no family support,2 years accumulate 600000 yuan down relative some pressure.

　　另外一个主要原因，王小姐目前还是单身，未来的日子里是否结婚生子存在很大不确定因素，如果结婚，婚后会有住房的改善需求以及子女教育等问题需要面对，都会用到大笔的资金，考虑到王小姐购房是用于出租而并非是为解决自住的问题，固定资产投资毕竟会有难以变现的问题，会固化大笔资金的流动性，所以建议王小姐还是应该在人生相对稳定的时段再考虑这项投资。

Another one of the main reasons,Miss wang at present still single,Future days whether married there is a big uncertainty,If marriage,After marriage will have the improvement of housing demand and children education problems need to face,Can use a lot of money,Considering the miss wang purchase is used for rent and is not in order to solve the problem of self living,Investment in fixed assets after all there will be difficult to realizable problem,Will cure large sum of capital liquidity,So suggest miss wang should be relatively stable period in life to consider this investment.

　　

小建议 tips

　　投资金条更保值 Gold investment more value

　　实物黄金的投资王小姐已经做了相应的配置，再提些建议希望能更加优化王小姐现有的投资方案。黄金首饰因为设计、加工以及运输等因素，购买价格相对较高，会在基础金价的基准上有40元每克-60元每克的升水，但在变现的时候，却只能够按照当时的金交所基础金价回收，价差很大。所以王小姐可考虑在后续的日子做些投资金条的投资，投资金条基本上对于基础金价的升水很低，适宜投资，是家庭投资很重要的一部分。

Physical gold investment miss wang has made the corresponding configuration,Then some advice hope to more optimization miss wang existing investment plan.Gold jewelry for design/Processing and transporation,The purchase price is relative taller,Will be in the basic price of the benchmark has 40 yuan per gram - 60 yuan per gram of premium,But in the realizable,But can only according to the gold into the basic gold recovery,Spread very.So miss wang may be considered in subsequent days do some investment gold bar investment,Investment gold bar basically based on the price of gold is very low premium,Suitable investment,The family is a very important part of investment.

　　王梓 招商银行(600036,股吧)双榆树支行贵宾理财师（AFP）

WangZi merchants bank(600036,guba)ShuangYuShu branch VIP financial management division(AFP)

　　你不理财，财不理你。不知如何理？请将财务个案发送到：xinjingbaolc@163.com

You don't finance,Money ignore you.Do not know how to reason?Please send to financial case:xinjingbaolc@163.com

　　新京报将请专业理财师解答你的困惑。

The Beijing news will please professional financial management division answer your confusion.