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    瞧這網 » 創業頻道 » 投資理財 » 正文

    “421家庭”理財規劃攻略

    創業資訊 - 創業指南 - 創業政策 - 投資理財 - 連鎖加盟 - 創業計劃書

      4位老人+2個獨生子女+1個小孩=421家庭
     。酆诵奶崾荆蓦S著上世紀70年代我國開始實行計劃生育政策,我國便有了第一代獨生子女。而今第一代獨生子女的父母正邁入老年人行列。于是,4個老人1個孩子的家庭壓力陡然壓在這些獨生子女的身上。漸漸地很多“421家庭”都表示家庭財務壓力很大,特別是在面對老人生病需要一大筆醫療費支出時,更是覺得財務上捉襟見肘,他們這樣的家庭該如何理財?又該如何應對突發的大筆支出?某銀行理財師杜華嵩和林之強,共同為大家出謀劃策,提出合理化理財建議。
      1
      全家合力
      整合資源統籌協作
      杜華嵩認為,對于“421家庭”來說,最重要的就是整合家庭資源,使全體成員團結協作。要給家庭里的各位成員做好保障。對于沒有醫療保障或保障不完善的4位老者,理應為他們購置基本醫療保險、意外傷害保險等。最好能趕在保險公司規定的截止年齡之前辦好,而且越早越好;夫妻作為家庭財富的主要創造者,除了基本的社保,還需要增加商業醫療保險、定期壽險、失業保險;為小孩子購置以分紅為主、附帶保障功能的理財型保險,為將來的大額支出做好準備。
      還要發揮家庭合力理好財。年輕人在首次就業時,如果壓力確實過大,可以考慮回家鄉發展,這樣既可以讓孩子健康成長,又可以照顧好父母。兩對老人可以輪流來照顧小孩子,減少請保姆的花費。此外,很重要的一點是,健康是最大的財富,除了被動的保險之外,要進行定期體檢,年輕人更要在工作之余多抽出時間進行健身活動。
      2
      日常理財
      建立“1+2+4”模式
      作為80后的年輕夫妻,如何緩解財務壓力,減少不確定因素呢?理財師林之強建議用“1+2+4”理財模式來解決,即建立一套以置業規劃為重中之重,以家庭保障和子女教育為兩大發展基礎,依托信用積累、職業追求、“一桶金”準備、收支預算控制四大因素在內的動態理財規劃體系。
      首先,置業規劃要梯度消費、張弛有度。已利用銀行按揭購房的家庭,建議已負債購房的新婚族盡量延長貸款期限,選擇低利率的貸款方式,推遲提前還款,選擇梯度消費,購房先以孩子教育為首要因素,到中年時再考慮住宅升級。在將來現金流寬松的情況下,優先歸還住房貸款,并在結清貸款后抵押申請綜合授信,必要的時候提高家庭財務杠桿。對于尚在租房的家庭,這些人也一定要強迫自己做好儲蓄,為買房準備。
      林之強表示,全面的、動態的家庭理財規劃必不可少,這包括以下四個方面:一、日常注重積累良好的信用。遇到突發資金需求時,無論是向親戚朋友借,還是找銀行借貸,良好的信用會助你一臂之力。二、要有事業的追求。兢兢業業工作是收入和財富的最大來源。三、為創業準備“一桶金”。用基金定投的方式準備一份資金,這份資金的投資目的可以是

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