家庭投资理财方案的设计.docVIP

家庭投资理财方案的设计 摘要 随着我国经济的发展，人民的生活水平不断提高，家庭金融资产也在持续增加，家庭理财已经不再是陌生的话题，现在正在被越来越多的家庭和个人所重视。本文从对家庭理财含义的剖析入手, 从定义、类型和特点比较分析了目前主要的投资理财产品，并简单介绍了不同理财产品的投资风险程度和适宜何种人群投资使用。此外,综合概括了家庭投资理财容易陷入的误区和风险，并合理的提出了认清误区和规避风险的方法。解决了投资者如何在自己的风险承受能力情况下寻找正确投资理财途径的问题，同时提出投资理财的方法，以及理财时应注意的事项和确定要达到的目标。最后，针对处于不同阶段的家庭制定不同的理财方案，再将所有知识点结合起来，以某个普通家庭为例设计家庭投资理财的方案。 关键词 家庭理财；理财产品；投资风险；理财误区；方案设计 The design of family finance and investment scheme Abstract With the development of our countrys economy, the improvement of peoples living standard, an increasing number of household financial assets. Family financial management is no longer a strange topic, which has been pay attention to more and more families and individuals. This article obtains from the meaning of family financial analysis, comparative analysis of the current definition of major investment banking products and features, and simple introduced the different financial product investment risk degree and is suitable for what kind of people to use .In addition, comprehensive summarizes the family easy to fall into pitfalls and risk in financial investment, and put forward the reasonable recognize error and the methods of risk aversion. Solved the investors how to under the condition of your risk tolerance to find a way finance and investment problems, proposed a method of finance and investment, and financial matters should be paid attention to when and sure you want to achieve. Finally, aiming at different stage of family develop different scenarios, then, combine all the knowledge points, in a common family, for example the design scheme of family finance and investment. Key words Family financial management; finance products; Investment risk; Financial pitfalls; The scheme design 目 录 引言 1 一 家庭投资理财的含义和种类 1 （一）家庭理财的含义 1 （二）家庭投资理财的种类 1 二 家庭投资理财的误区和风险 5 （一）家庭投资理财的误区 5 （二）家庭投资理财的风险 7 三 家庭投资理财的设计方案 9 （一）了解家庭财务现状 9 （二）设定和分析理财目标 9 （三）风险偏好评估与风险承受能力 10 （四）进行资产配置 11 （五）计划执行和跟踪评估 13 四 实例分析理财方案实施全过程 13 （一）了解理财对象 13 （二）掌握财务状况 13 （三）确定理财目标