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理财师您好,我在一家会计师事务所工作,属于部门主管级别,年收入25万元,丈夫在外贸行业,年收入20万元。孩子14岁,刚上初中,每年各项消费3万元左右,双方老人身体都不好,每年要付出至少10万元的医疗费用。无房贷车贷,但家庭积蓄也并不多,流动资产有50万元左右,其中20万元买了结构性理财产品,亏损状态;20万元定期存款;还有10万元投资到朋友的一家食品公司,还未产生收益。保险方面,有单位所上的基本保险。请理财师为我规划一下,非常感谢!北京文女士
Wealth management division, I work in an accounting firm, belonging to departmental level, with an annual income of 250,000 yuan, her husband in the foreign trade industry, with an annual income of 200,000 yuan. Children 14 years old, just attending junior high school, the annual consumption of 30,000 yuan, the elderly on both sides are not good, every year to pay at least 100,000 yuan in medical costs. No mortgage car loans, but not much household savings, current assets 500,000 yuan, of which 200,000 yuan to buy a structured financial products, loss of state; 200,000 yuan time deposits; and 100,000 yuan to invest in friends A food company that has not yet generated revenue. As for insurance, there is basic insurance on the unit. Please plan financial planner for me, thank you very much!