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Jui Angel
31 juil. 2022
In Discussions générales
Regarding Dr. Chen's current financial situation, I think it is more necessary to conduct an in-depth "insurance health check" for him immediately than to make ends meet! The entire family’s medical and accident insurance costs are as high as 40,000 yuan per month, which is significantly higher than the cost of the burden and does not meet the opportunity cost. Quite a number of people tend to ignore job email list the opportunity cost when purchasing products that seem to have "protection" such as insurance, and feel that they should insure a little more, so that they can get back a little more when there is a need. But when we focus only on insurance, forgetting or ignoring other expenses, it creates overinvestment. Insurance expenses must never exceed one-tenth of your monthly income, regardless of income. In the case of Dr. Chen, assuming that the monthly insurance premium of 41,000 yuan is reduced to a reasonable proportion of 24,000 yuan, even if only the saved 17,000 yuan is simply invested in ETFs for children, at a rate of return of 9%, there will be 2,400 yuan in 30 years. more than ten thousand yuan.
Think about the opportunity cost, every dollar counts! content media
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