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我的基本情况如下:33岁,供职于一家日企,是人事部门的总经理,年收入60万元,有一个4岁的儿子,夫妻双方的父母身体都很好。我们的财务状况良好,无房贷车贷,但花销也大,每年购物、旅游要用去20多万元,加上孝敬父母的,每年也就能留下不到30万元。我们的储蓄大概有80万元,在基金上投资了50万,目前亏损严重。剩余的30万元是定期存款。在目前这种低迷的投资市场下,如何理财更好?上海白先生
My basic situation is as follows: 33 years old, working in a Japanese company, is the general manager of the personnel department, the annual income 600,000 yuan, has a 4-year-old son, both husband and wife parents are good health. Our financial situation is good, no mortgage loan, but the cost is also large, annual shopping, travel to spend more than 200,000 yuan, with honor their parents, each year will be able to leave less than 30 million. Our savings are about 800,000 yuan, 500,000 in the fund, the current loss is serious. The remaining 300,000 yuan is a fixed deposit. In the current downturn in the investment market, how to manage money better? Shanghai Mr. Bai