家庭现状
42岁的张先生有一个幸福的家庭，自己办一家小型进出口贸易公司；太太在一家合资企业做高级职员；儿子在外国语学校读小学二年级；孩子的外公、外婆都还健在，一家人生活得其乐融融。
张先生的公司虽然小，但1年大概能有20-40万元的收入。因为是做外贸，所以不是特别稳定。太太每个月收入6000元，年终还有2万元奖金。张先生是专一的生意人，除了做贸易，对其他业务似乎都不怎么感兴趣，所以，家里积累的闲钱也不少。前几年银行利率较高时，都是放在银行里长期吃利息。但现在银行利率实在太低了，于是，张先生就不知道该拿出这些钱做点什么事了。
本来岳父做过几年股票投资，收益也还不错，但退休后他就不再做了。张先生自己也想买基金，经银行的朋友介绍，已买了两只开放式基金，一共5万元。但岳父认为，证券市场还是别去碰，所以也就没再买。国债到目前为止还没买过。房子买来都是自己住的，没做过投资。
张先生家庭资产的另一大特征，就是外币尤其是美元的比例较高，因为生意上的往来，经常会收到外汇。但直到今年3月份，他们才拿出2万美元做了一个中国银行的个人外汇宝。
所以，如何处置家庭的人民币存款和比例不低的外汇资产，一直困扰着张先生。
张先生的目标是，10年后可以挣够1000万元然后富足退休，但朋友们似乎有些不以为然，觉得那“1”后面跟着的7个“0”太遥远。
幸福的家庭生活和富足的老年生活保障，是每个人所梦寐以求的。张先生的这个长远目标该如何实现？
目标分析
张先生提出的目标有明确的时间（10年），也有明确的数额（1000万元人民币）。该目标并不遥远，只要家庭在未来10个年度节余能保持目前的水平（30万元），家庭总资产（消费资产除外）保持平均8％的年增值水平，就可以在10年后达到1000万元的水平。当然，这个目标实现起来也并不简单。
合理配置家庭投资
张先生制定的投资计划，应着眼长期投资的策略。因此，应随着整个经济市场的发展变化，而随时调整家庭投资的方案和各投资品种间的比例。
1、适量贷款投资商铺随着经济的发展，商铺市场的投资已被越来越多的投资者所重视。商铺是固定资产，投资风险小且收益可观。
投资商铺的目的，一般是用于出租或待其升值出售。由于商铺投资的资金量大，建议张先生可适量贷款投资，避免将现有资金全部投入，降低单一投资风险。
2、用一成资金做股票从长期来看，股票是平均收益率最高的一种投资，但也是风险最大的一种投资。
张先生要选择股票进行投资，最好具备下列条件：用不影响生活的10％余钱进行投资，对证券市场有比较深的了解，有比较充裕的业余时间对证券市场进行分析。
3、适量介入基金基金是收益和风险比较均衡的一种金融理财工具，适合有资金且敢于承受一些风险，但又没有空余时间进行分析或者没有证券投资经验的投资者。
由于基金的收益和风险比较均衡，因此成为个人投资者的首选工具。从最近几年来看，基金已经成为个人投资者最重要的投资工具，建议张先生可适量介入。
4、增加保险额度保险产品的功能主要是为投保者提供保障。鉴于张先生家庭状况，应再增加一定额度的健康保险，尤其是投保意外险和医疗险种的额度应多一些。至于投资和保险相结合的险种（如分红险等），不是张先生家庭的理想选择。
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