Hello, I am a 32-year-old, married with a pair of 2-year-old twins, personal monthly income of $ 6000, Mrs. monthly income of about $ 4000, insurance products. Currently occupied premises about $ 30 million in May last year and bought another set of real estate, currently about $ 100 million, 35 million bank loan, monthly contributions of about 3000, in addition to the daily, monthly about 3000 surplus. The other parents gave 120 million of cash assets, intend to take advantage of either next year $ Coverly, according to my situation and the current economic environment, the formulation of investment scenarios, thank you Mr Li Daliang Shunde [reply] a normal financial management, financial analysis, Mr. LEE, so positive Prime and affordable financing risks are relatively high. dedecms.com

　　º Mr. Li family income in Shunde, belong to the Middle, the current family expenditure is not very high, the next major expense is the twin of education funds, fortunately with parents million Fund to support, so you can focus on the capital management and productivity. copyright dedecms

　　Second, the financial proposals in general financial plan comparison focuses on balancing configuration, high and low risk products follow a certain percentage depending on the economic cycle to adjust. Combined with º Mr. Li is today, give the following recommendation: insurance planning: as º Mr. Li and his wife are a major source of household income, so two people should purchase the appropriate insurance, it is recommended that the purchase of a 30-year term by 1 million and an additional 30 million of major diseases, all with 100 million accident insurance; real estate planning: according to the current rental rates in SHUNDE old building in relatively low-status, it is recommended that new House to live in, sell or lease, of old housing estates will rent to capital planning; cash planning: it is recommended that the hand's 120 million yuan in cash by 70% investment in equity funds or "one to many" Fund of special financing, you can choose to invest in some of the discount rate of closed-end funds, or some of the well of open-end funds such as Shenzhen 300 (2744.391, 8.32, 0.30%) exponential Fund, Huaxia revival, Yinhua core, development of social responsibility, etc. The one-to-many "Fund of special financial investment starting point at 1 million, so if Mr LEE to investment"-to-many "to increase the stock of assets investments to 80%, but due to the" one-to-many "is the pursuit of absolute and stock investment ratio of 0 ~ 100%, so the risk rather than General Fund low. copyright dedecms

　　Another 30% as a three-month lump sum (automatic), badly in need of cash advance payments when section; it is recommended that the monthly surplus in 2000 Yuan fixed investment and industrial fund social responsibility, the monthly earnings of $ 1000 deposit (get automatic notification deposits than demand deposit high 3.75 times the revenue) for the alternate. dedecms.com

　　A good financial plan is not a hard and fast, you need to keep in accordance with the times and, as the tune on macro-economic cycle more sensitive, so it is recommended that this scenario execution after every other month consultant would have to be investors once communication and to decide whether there is a need to fine tune on alternatives. dedecms.com