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Lao zhang middle-aged but romantic still, he wants to retire his wife after exit workplace, accompany a wife to travel around the world and enjoy life. This feeling let people born respect.
In the old couple a long marriage history, may have early years of touching and attachment, but as the seafarers' Mr. Zhang, more time had to be far from their loved ones, away from home, a person go sailing, to drift.
Lao zhang is a family sense of responsibility strong man, although the outside world is wonderful, many temptation to his wife and son's love never change. Dock numerous wharf, he heart but only dock in their own house; Appreciate various different region amorous feelings, he xinxin pronouncing is to take his wife to enjoy together.
It is the persistent love and poly (less from many days, let old son to his wife made deep regret and sense of quilt. He wants to make up for. Accompany her to travel around the world, is Lao zhang to his wife's a special gift; And as a son to buy a set of marriage room, it is his son to some sort of make up.
Lao zhang is proud, he has the ability to give wife, my son, so two heavy gift. The annual salary of 400000 yuan, the income don't small, now 45 years old wife if to retire at the age of 50, still can do it again 5 years. Lao zhang hope that the oneself is in 3 to 5 years back to shore, perhaps this income will be declined, but can enjoy family life is also a pleasure. According to Lao zhang family current consumption level, daily expenses to maintain the status quo, three old man's alimony spending may be because the old man a doctor and increased, but two years later, son graduated from university to work, tuition expenses can save, two phase offset, family total expenditure won't have too big increase.
So, according to Lao zhang family at present each year balance is 370000 yuan meter, 5 years accumulate 2 million yuan should be no problem, and the 800000 yuan bank deposit and interest, that is nearly 3 million yuan of financial assets, then give his wife, son's gift can achieve. And if healthy and energetic, Mr. Zhang wife want to do to retire at the age of 55, the economy will have more accumulation.
For Lao zhang is concerned, the accumulation of wealth is not the main problem, but keep health and improve their own insurance is very important, because in a sense, he is a family's economic pillar. And long-term sea work, Lao zhang had rheumatic disease probability is very high, with the age up, health risk will increase, health security appropriate early arrangement.
As for financial management division suggested diversified financial asset allocation, the author thinks that in the current economic recession, no need to bo high yield product, didn't also necessity to touch his not familiar with the product, for the old couple is concerned, in establishing necessary and perfect security program basis, fixed centering nature the monthly balance 3 WanYuanCun bank regular is very good, three-year 5%, five-year 5.5%, without any risk, 35 years later is 30000 yuan a month income account, what is there against it?
Finally want to Lao zhang said is, in fact, travel around the world plan don't have to wait until after the retirement, now can start oh, arrange a year family overseas travel, half a month, not too tired, economic also can bear completely, moreover, can also accumulate gradually tourism experience, why should wait until five years later? A lot of good plan, think of will do best.
Go News Center Added by: luohuabin Add time: 2012/12/1 10:46:27 view >>
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