Look At How Divorced Entrepreneurial Women Manage Money.

This year, Ms. Gao, 36 years old, is living with her parents at the age of 8 years old. Mrs. Gao has been 5 years old.

Ms. Gao runs a small supermarket on her own, earning about eight thousand yuan a month.

Ms. Gao now owns a housing area of 100 square meters, with no loans and family expenses of about four thousand yuan per month.

Ms. Gao has a current account of 300 thousand yuan for business turnover

Ms. Gao's family has a balance of 50%, and the expenditure is too high from the general living standard of Tianjin's families. At present, children's primary school, with junior high schools, high schools and universities in the future, will increase their demand for funds. In order to manage the future financial goals, we must save money and reduce unnecessary expenses.

Miss Gao did not make full use of financial leverage, which made her capital lose mobility and could not give full play to the investment potential of existing assets and lack the necessary risk protection.

Consumer spending plan: first of all, it is recommended to use high lady's physical store or housing to make personal mortgage loans to banks, and loan 300 thousand yuan for business turnover.

The term is set as short as 3 years, and the interest rate is about 5.4%, because this fund is used for business.

In order to prevent capital shortage after repayment period, we draw 100 thousand yuan from savings to invest in money market funds.

Next, the monthly expenditure should be controlled at 3000 yuan, with the current annual income balance of 60 thousand yuan.

Risk protection plan: the above planning plan can be allocated according to the growth of Ms. Gao's income. After the children have finished university, the remaining funds can be pferred to the high lady's account to fill and adjust the share of the fund. If the conditions permit, try to add a major illness insurance and accident injury insurance to ensure the family's normal operation at all times.

Children's education plan: we can take out 150 thousand yuan from the remaining funds as the starting capital, carry out a balanced fund combination investment with moderate risk, and withdraw 1000 yuan from the balance every month for the fixed investment. The expected rate of return is 8%. After 10 years, the funds will be around 490 thousand yuan, which can basically meet the children's educational expenditure.

Retirement retirement planning: the retirement age of Ms. Gao is assumed to be 56 years old, and there are 20 years to prepare for the fund. The last remaining 50 thousand yuan will be used as the start-up capital, and the balanced portfolio investment will also be carried out, and 1000 yuan will be collected from the balance every month for the fixed investment. If the 8% expected yield is the same, it will eventually be about 780 thousand yuan. This fund will play an effective guarantee for the life of Ms. Gao.