How do Dutch immigrants plan and allocate their own funds?

In recent years, European immigrants are very hot, and the Netherlands attracts many people's favor with its beautiful natural scenery and welfare. So how to immigrate to the Netherlands in a planned way? How to plan and allocate your own funds? Come and have a look with me.

Investment planning

Financial planners suggest that it is best to combine short-term fixed-income products with one-year fixed investment. Because they didn't have much savings before, in the first year, it is recommended to buy a fixed-income monthly fixed investment every month and take it out one year later. According to their situation, they can invest 30,000 yuan per month, and according to the annualized rate of return of 6.8%, they can receive 373,000 yuan of principal and interest after one year.

Between the second year and the third year, the two can successfully realize the plan of letting one of them immigrate to the Netherlands first. If all goes well, they can get married in Holland within three years.

Parental endowment insurance planning

Even under the influence of traditional ideas, parents can't immigrate to the Netherlands in a short time, but they can't forget the grace of parenting. Therefore, the financial planner suggested that the two should buy endowment insurance for their parents. First, they should be free from worries and be filial to themselves. Second, they should let their parents have no children to serve them in the future and have some peace of mind.

Family reserve fund

Generally speaking, taking a family's monthly expenditure of 3 ~ 6 months as an emergency reserve fund is enough to cope with the unexpected expenditure of the family. Of course, the emergency reserve fund can be increased to 6 ~ 12 months to improve the liquidity of the whole fund.

According to the income and expenditure of two people, it is suggested that the emergency reserve be 30,000 ~ 40,000 yuan. Although it is an emergency reserve, it doesn't have to be put in a current deposit, as long as it is guaranteed that the money can be withdrawn at any time when needed. The financial planner suggested that it can be put in the "money fund". At present, the annualized rate of return of the money fund is 4% ~ 5%, and the risk is very low, but the income is more than 10 times higher than the demand deposit, and it can be received within 0 ~ 2 days after redemption.