又到了发年终奖的时候了，少则几千，多则几万，这些年终奖该怎么理财，还真是个问题。
故事一：
年终奖5000元：以存款和基金定投为主
小刘在一家汽车修理公司工作，月薪1800元，每月吃饭、租房，和女朋友约会，盈余不多。因工作出色，他今年年终奖可以拿到5000元。第一次拿到这么多年终奖，他准备用于理财。
理财建议：
小刘处于职业生涯的探索期，在理财活动上，此阶段可累积的资产不高，应该是量入节出，以存款和基金定投为主，先累积足以用来做多元化投资或创业的第一桶金。
目前一次性获得5000元年终奖，可考虑1000元做货币基金投资，该品种流通性较强，支取灵活，可用做备用金，以备不时之需。
剩下4000元选择一种好的股票型基金投资，另建议小刘每月可将盈余资金做基金定投。
故事二：
年终奖2万元：配置保险
小薇，28岁，未婚，留学德国六年，刚回国，目前在一家贸易公司任总经理助理，月薪6000元，每月结余2500元，目前有5万元存款，年终奖在2万左右，目前想要买车，因为有个一年内免税的优惠政策，想通过贷款买辆车，以目前的资产情况，锁
理财建议：
小薇28岁，按照年龄她目前处于职业生涯的建立期，收入稳定，承受风险能力较强，首先应控制不必要的支出，将每月支出控制在2000元以内，这样每月将有4000元盈余资金。
目前有7万现金（5万存款+2万年终奖），考虑到1年内有购车计划，可选择首付30%（约4万元）贷款9万元，贷款期限3年，月供2802元。(另：招行信用卡推出购车免息分期付款业务，如小薇有意愿在两年内还清贷款可考虑用此方法)。
预留3个月日常支出的资金做货币基金投资，以备急用。还应考虑每年拿出不超过年收入的10%的资金人身意外险及重大疾病保险的配置。剩余资金做基金的一次性投资，每月盈余资金做股票基金的定投。
故事三：
年终奖5万元：投资稍可广泛
马女士今年34岁，是一家装修公司的执行总经理，平时收入不错，按照事先约定，她的年终奖可拿到4万元，加上老公的1万元年终奖，今年红包颇丰。马女士 2006年7月买了第二套住房，目前还差银行贷款5万元，对于这些钱，她准备拿出2万元还一部分按揭款，然后剩余的用于理财，让钱增值。
理财建议：
马女士和老公属于职业稳定、薪酬稳定的阶层，其实不必拿出2万元用于提前还贷，她完全可以将5万元用于投资，让钱生出更多的钱，以及买一些保险。因为她的 按揭款不是太多，最关键的是，这部分剩余的按揭款利息不是太多，提前还贷不太划算，而用于投资理财，“生”出的钱相对来说会较多。
马女士如果没有买家庭保险，那一定得买了。对于马女士一家来说，在保险方面可以考虑健康医疗险+人身意外伤害险+定期寿险的组合，并随着年龄的增大和社会经验的增加，适当增加为家庭起到重要保障作用的保险。
考虑到将来孩子上大学将面临一笔不小的费用，这笔资金需要及早准备，马女士可以通过购买相应期限的中长期国债，提前积累教育基金。
马女士在可能出现的风险进行规避后，剩余的资金可根据喜好和对投资产品的了解程度来进行投资了。一是若有过股市的经验，可投资股票和基金，如果没多少时 间，建议进行基金定投；二是若手上有外汇，一方面可选择银行的固定收益外汇产品，另一方面可进行外汇的买卖，利用汇率的变动来赚取收益，交通银行的满金宝 产品更可放大杠杆倍数来进行投资。
原文地址：http://blog.sina.com.cn/s/blog_4aaf7724010081eu.html
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