个人理财策划书资料.docVIP

个人理财 策划书 学 院： 专 业： 姓 名： 指导老师： 学 号： 职 称： 中国·珠海 目录 第一部分 理财目标····················································3 个人财务管理······················································3 应急金准备·····················································3 基金定投·······················································3 1.2个人创业金准备···················································3 第二部分 个人基本情况··············································4 个人情况总结·····················································4 个人资产负债表···················································4 第三部分 个人财务状况··············································5 个人收支情况·····················································5 个人财务健康指标检查··········································5 第四部分 风险偏好测试分析·······································6 第五部分 理财投资的具体计划····································8 5.1 投资工具的选择与依据·············································8 5.2 投资分配比例························································8 5.3 确定可行性···························································8 5.4 调整···································································9 第六部分 结语··························································10 第一部分 理财目标 在不知不觉中，走进大学的校园已经有接近二年了。这一年多我的生活可以说是在浑浑噩噩中度过了，除上课之外，大部分的时间都在宿舍中过，每天在打游戏。现在想起来真可悲。有很多同学都去找兼职赚外快了，而我没钱了就伸手问父母要。还有二年多的时间就要走出这幸福又可悲的大学校园，我想起都不禁的担心和兴奋。担心是我出去以后可以做什么，拿什么来养活自己；兴奋的是终于不用过这样的生活了。选了个人理财投资这门课程，是我最正确的选择，它使我学习到了有很多的投资方法，如何利用自己手头上资金去投资。这样可以为未来铺路，也可以锻炼到自身的能力。 在资金有限与高消费之间的矛盾，需要我们要节省开支，这样我们的生活才 能安稳的进行下去。开源节流固然重要，但理财更为重要。很大程度上一个人一生能累积多少钱，不是取决于他赚了多少钱，而是他如何理财。一生的财富主要是靠“以钱赚钱”累积起来的。 学会理财，有利于提高我们的生活水平。 个人财务管理 1.1.1应急金准备 ·现钞应急，随身准备300的现金，以防急时之需。。 ·储蓄应急，准备了三张银行卡将资金分开储蓄。一张为农行卡，一张为工商卡，一张为农商银行卡，农行卡是用作平时消费的，开通网上银行的，存款大概在1000左右。工商卡为投资使用，保持至少有5000元的存款。农商卡是应急用的，里面存款不低于10000。 ·朋友借款，和关系好的朋友联系好，一旦有什么特殊情况，可以第一时间解决。 ·父母救急，一旦出现意外情况，需要大量的资金的只能向父母求救。 1.1.2 基金定投 在大学阶段首先考虑基金定投（基金定投是定期定额投资基简称，