What investment can the three member family resist the inflation?

What investment can the three member family resist the inflation?
Summary: Make the investment and is divided into three kinds high venture capital, middle venture capital and low venture capital. High venture capital includes stock, real estate and antique,etc.; China's venture capital includes funds,etc.; Low venture capital includes insurance,etc.. Among them, the share of fund that can delay the expenditure does low venture capital, such as the future education money of children, parents' alimony in the future, medical fee,etc.. But high venture capital is calculated according to the following formulae, the larger age is, the less ratio between investments is.
The intersection of Ms. and Mr. and Mrs. Zheng have house property and some fund, the intersection of child and 2 year old, need one educational gold future. High venture capital includes stock, real estate and antique,etc.; China's venture capital includes funds,etc.; Low venture capital includes insurance,etc.. The intersection of education and gold respect of child, Miss Zheng can moon pay 900 yuan about, buy 60,000 life insurance of premium, pay the fees for 8 years.
The intersection of Ms. and Mr. and Mrs. Zheng have house property and some fund, the intersection of child and 2 year old, need one educational gold future. Want to prevent the risk while resisting inflation, how to manage money matters? This is puzzlement of reader Ms. Zheng. I have asked the financing expert of insurance in the friendly nation.
The expert gives an idea:
Which are investment type?
Managing money matters should confirm the goal first, go to realize stage by stage.
Make the investment and is divided into three kinds high venture capital, middle venture capital and low venture capital. High venture capital includes stock, real estate and antique,etc.; China's venture capital includes funds,etc.; Low venture capital includes insurance,etc.. Among them, the share of fund that can delay the expenditure does low venture capital, such as the future education money of children, parents' alimony in the future, medical fee,etc.. But high venture capital is calculated according to the following formulae, the larger age is, the less ratio between investments is.
Is it suitable how much to make the investment?
The capital cost should follow a formula, namely 80 years old - age =Invest in %. 30 years old such as this year, it should not be greater than 50% of total assets to used in risky investment amount. According to Miss Zheng's present financial situation, can consider the following insurance: Pay the premium about 5000 yuans every year, have premium of 150,000 yuan to pay the fees, pay the fees for 20 years. This insurance kind includes 30 kinds of great diseases, suffer from a kind of serious disease among them or die before 60 years old, can obtain the compensation of 150,000 yuan; Die or suffer from serious disease at 60-80 years old, will obtain the compensation of 225,000 yuan; If 80 yet alive year old, can obtain the cash of 150,000 yuan. Like this although Miss Zheng pays the expenses of 5000 yuan every year, but the insurance company undertakes serious disease and medical risk of 150,000 yuan, make less young lady Zhang 150,000 yuan reply cash of risk fully. In fact has reduced the erosion to the cash of 150,000 yuan of the inflation, thus has achieved the goal of evading greater risk with the fund of minimum.
The intersection of education and gold respect of child, Miss Zheng can moon pay 900 yuan about, buy 60,000 life insurance of premium, pay the fees for 8 years. When the child goes to the college, draw 20,000 yuan as tuition every year, get for 4 years together. By 60 years old, can get the pension about 100,000 yuans for oneself. Have insurance like this, also can make the investment, enable appreciation of assets, preserve value, guarantee the educational gold and one's own supplementary pension of children.
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