论文部分内容阅读
港商罗先生38岁,目前在北京市经营餐饮行业,税后年收入约为50万-70万元,每年收入情况会有波动。2008年,其妻子因为疾病突然离世,罗先生目前独自带着9岁的儿子在京生活。罗先生目前居住的是之前和妻子一起购买的一套三居室,购买时曾背负100万元贷款,现已还清;另有一部汽车,每年养车费用约为3万元。家庭资产方面,罗先生有200万元流动资金,由于一直有开办新店的想法,因此未将这笔款项做其他投资。罗先生希望2011年能将新店开起来,估计投资约为120万元。罗先生和儿子每月生活开支约为1万元,每年年底还要孝敬自己和妻子父母各5万元。罗先生为儿子投保了20万元大病和意外险,已缴费4年(需连续缴费20年),但没有给自己投保险。罗先生的理财目标包括在开办新店之余,能寻找到较为合适的投资、理财渠道;筹划自己的养老和儿子未来的教育;另外,罗先生和一名女士准备在未来两年内建立新家庭,对方的情况是离异无子女,罗先生想在婚前将财产情况划分清楚。
Hong Kong businessman Mr. Lo, 38, currently runs the restaurant business in Beijing. The after-tax annual income is about 500,000-700,000 yuan. The annual income will fluctuate. In 2008, his wife died suddenly as a result of the illness. Currently, Mr. Luo lives alone in Beijing with his 9-year-old son. Currently, Mr. Lo lives in a three-bedroom apartment previously purchased with his wife who has already carried a loan of $ 1 million from the time of purchase and is now paying off. Another car costs about $ 30,000 a year for keeping a car. In respect of family assets, Mr. Lo has a circulating capital of 2 million yuan. As a result of the idea of starting a new store, he did not make any other investments in this amount. Mr. Luo hopes to open new stores in 2011, an estimated investment of about 120 million. Mr. Lo and his son monthly living expenses of about 10,000 yuan, the end of each year but also to honor their own and their wives and parents of 50,000 yuan. Mr. Luo insured his son 200,000 yuan illness and accident insurance, has paid 4 years (need to pay 20 consecutive years), but did not give yourself insurance. Mr Rowe’s financial goals include finding new stores, finding more suitable ways to invest and manage money, planning his own retirement and education for his son’s future. In addition, Mr Law and a woman plan to establish a new family within the next two years, The other party’s situation is divorced without children, Mr. Luo wants to clearly divide the property before marriage.