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我是一名外企部门主管,35岁,年收入20万元,妻子在一家制药公司工作,年收入10万元,房贷有60万元,还有15年还款期限;无车贷,但每月养车费用需要2000元。有一个7岁的儿子,刚开始上小学,双方老人身体都比较好,暂时不需要我们帮助。目前家庭有30万元的流动资产,其中10万元投资股票,15万元是存款,还有5万元购买了股票型基金。公司有基本的三险一金,无额外商业保险。请问理财师,我的理财方式是否合适,需要有什么改进?北京杨先生
I am a foreign department head, 35 years old, the annual income of 200,000 yuan, his wife working in a pharmaceutical company, the annual income of 100,000 yuan, the mortgage has 600,000 yuan, and 15 years repayment deadline; no car loan, but each Need to raise the cost of 2,000 yuan a month. There is a 7-year-old son, just started elementary school, the elderly are better both physically and temporarily do not need our help. At present, the family has 300,000 yuan of current assets, of which 100,000 yuan invests in stocks, 150,000 yuan deposits, and 50,000 yuan to buy equity funds. The company has the basic three insurance and one gold, without additional commercial insurance. Will the financial planner, my financial management is appropriate, what needs improvement? Beijing Mr. Yang