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王兵是一家国企的中层管理者。月收入15000元;妻子在一家外企工作.月收入8000元左右。夫妻两人现有一套两居室住房(房贷已还清).儿子上大学,计划4年后为儿子再购买一套住房,预计50万元左右。双方父母都有退休金,不需要供养。现有银行存款6万元,基金资产27万元。按理说,以目前的收入状况,王兵夫妇的生活状态应当不错,但他们却老感觉有一块石头压在心头。原来,他们听别人说基金是专家埋财,不用自己操心,就在去年市场行情好的时候摇身变成新基民了,前后共投入27万元。然而,如今只剩下不到15万元了,亏损率超过40%。一提到手里的基金,王兵就感到心烦,为此两口子也没少吵架。理财的目的本来是为了赚钱和家庭幸福,现在却是渐行渐远。他们该怎么办呢?
Wang Bing is a middle-level manager of state-owned enterprises. Monthly income of 15,000 yuan; wife working in a foreign company. Monthly income of 8,000 yuan. The couple existing two sets of two-bedroom housing (mortgage has been paid off.) Son to college, plans to buy a house for his son four years later, is expected to 500,000 yuan. Both parents have a pension, do not need support. The existing bank deposits 60,000 yuan, fund assets 270,000 yuan. It stands to reason that the current income status, Wang Bing couple living conditions should be good, but they always feel a rock pressure in mind. It turned out that they listen to others that the fund is an expert buried money, do not have to worry about their own, just last year when market conditions transformed into a new base, before and after a total investment of 270,000 yuan. However, there are only less than 150,000 yuan left now, with a loss rate of over 40%. Mentioning the hands of the fund, Wang Bing was upset, for which the couple did not quarrel. The purpose of financial management was originally to make money and family happiness, but now it is lopsided. What should they do?