■ proposal of conduct financial transactions
In the domestic property of Mr Zhang, liquidity capital fund and negotiability investment amount 110 thousand yuan, deposit money for current entirely. In view of Mr Zhang's current asset condition, and the plan buys a house after 1 year marry, expert of conduct financial transactions suggests, mr Zhang makes following adjustment to his asset state:
Above all, suggest Mr Zhang adjusts his cash and the number that current deposits money. Current cash and the amount that current deposits money are 110 thousand yuan, actually Mr Zhang does not have the flexibility capital with necessary so many put apart, suggest the current deposit of Mr Zhang is adjusted it is 16 thousand yuan, increase fund of devoted money type to be 94 thousand yuan. Monetary type fund is in assure flexibility while, profitability also prep above current deposits money, can shift to an earlier date two days to get when need. Compare stability in view of the economic atmosphere of Mr Zhang, the expenditure that the capital of sex of this section activity of put apart can pay Mr Zhang home 3 months is OK.
The term of target of conduct financial transactions in view of Mr Zhang is shorter, do not make the investment with big risk at present.
Mr Zhang and fiancee sublease housing chummage of every months of defray 1400 yuan, reason suggests Mr Zhang and fiancee deal with legal marriage first formalities, two people chummage, every months but chummage of spare in part.
The domestic burden that considers Mr Zhang is heavier, risk type is belonged to active and dovish model, stock balance fund can not invest, can choose fund to drop a plan surely. Additional, set out from safe fluidity angle, still can invest one part to arrive in monetary market fund.
Although the risk of Mr Zhang family bears capability is stronger, but domestic fortune is accumulated lesser, and there is very great capital pressure in this year, in investing a process so, should prevent too large venture capital investment, do not suit to invest stock, futures to wait for product of conduct financial transactions of Gao Feng danger.
Because Mr Zhang and its fiancee are the pillar of domestic income, to guarantee domestic living standard, ought to increase safe investment, have the risk that appears possibly in the future in case.