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理财师您好,我是一名大学讲师,30岁,已婚,孩子2岁。目前妻子在一家韩企工作,我年收入13万元,妻子年收入8万元,目前背负房贷40万元,每月要还房贷6000元,孩子养育费用每年至少也要3万元,加上一些日常开销,家庭年节余大概5万元。目前家里有定期存款10万元,由于没时间投资股票,所以存做活期存款。保险方面,都是单位给上的基本保险。请理财师为我们规划一下,如何为家庭生活创造更多的财富空间?北京江先生
Hello financial manager, I am a university lecturer, 30 years old, married, children 2 years old. My wife currently works in a Korean company. My annual income is 130,000 yuan. My wife’s annual income is 80,000 yuan. I am currently carrying 400,000 yuan in mortgage loans. I also have to pay 6,000 yuan a month for mortgage loans. The cost of raising children should be at least 30,000 yuan per year. Some daily expenses, the family annual savings of about 50,000 yuan. At present, there is a fixed deposit of 100,000 yuan at home. Since there is no time to invest in stocks, the deposit of current deposits is kept. Insurance, are given to the basic unit insurance. Wealth planner for us to plan, how to create more wealth for family life space? Beijing Mr. Jiang