How to preserve the wealth of middle-class families with an annual income of 700 thousand and a house and a car

Mrs. Lin, aged 47, is the chief physician of a hospital with an annual income of 200,000 yuan (after tax). Husband and wife commute to work by car every day, and Mr. Lin travels by plane several times a year. Both husband and wife have social security and commercial insurance purchased by the company. There is an only daughter, 22 years old, who is studying abroad and will graduate next year. She doesn't intend to continue her studies for the time being. There is no commercial insurance for the time being. Family assets: there are two houses, one with a market value of 3 million and self-occupation; Another set of market value10.2 million yuan, parents live; Mrs. Lin bought a stock fund in 2007 when the financial market was optimistic, with a present value of 300 thousand; The bank deposit is about 6,543,800 yuan. Family expenses: family living expenses are about 200,000 yuan/year (including parental support), and the tuition and living expenses of another daughter add up to about 220,000 yuan (the remaining year). Mr. Lin asked financial experts to provide scientific and reasonable financial planning advice for families. Family risk protection needs to be analyzed. Any financial planning that does not consider health protection and unexpected risks is imperfect, because once risks are encountered, all hard-earned money or financial wealth will go up in smoke, so every family should avoid the risks of major accidents and serious illnesses. Similarly, although Mr. and Mrs. Lin have stable jobs and high incomes, they are still worried about any major changes that will affect the quality of life of their families in the future. It is suggested that Mr. Lin give priority to buying accident insurance and critical illness insurance for his family, which is the first premise of sound financial management. Although the daughter has grown up, Mr. and Mrs. Lin still need proper life insurance. After all, they have to bear the mutual support responsibility and the support expenses of their parents, and also consider their own social values. Analysis of value-added demand for family financial management: Mr. Lin's family is a typical middle-class family. For middle-class families, we should not only pay attention to the steady return and value-added preservation of family assets, but also consider estate planning and wealth preservation as soon as possible. For middle and high-end families, financial planning without estate planning is imperfect; Financial planning without wealth preservation is unscientific. Mr. and Mrs. Lin are busy at work and don't have much time to take care of their spare money at home. The existing financial management methods are relatively simple (now mainly risky real estate, funds and conservative savings). When the daughter is about to graduate, the burden will be reduced, and the family's remaining assets will rise sharply every year. Therefore, it is suggested that other investments of families must be based on sound financial management methods, and the proportion of sound financial management tools can be appropriately increased. Steady financial management methods include financial insurance and partial debt-based fixed investment funds. Li Ka-shing, the richest man in China, once said, "The so-called financial management is the pursuit of long-term and stable income ...". This sentence expounds two main points of financial management: 1, prudent financial management; 2. Pay attention to long-term interests. Dividend-based financial insurance has both these two characteristics.