《个人理财策划书》.docVIP

t 专业班级： 学 号： 姓 名： 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···························································9 5.4 调整··································································9 第六部分 结语···························································9 第一部分 理财目标 回想起之前去做暑假工穷到连饭都吃不起的时候真是一个悲剧；平日里听到兄弟朋友有难要用钱而自己又爱莫能助的时候也是个悲剧。我个人是比较喜欢独立的，尤其是经济上的，同时，家里也不富裕，由于这些种种的经历和环境下让我充分感受到了金钱的重要性，也由此萌生了金钱是幸福指数重要物质基础的观念。没钱你什么也做不成，注定一辈子庸庸碌碌，更别说做什么大事了！所以，现在最重要的是理财投资，这是钱生钱至关重要的前提与条件。 正所谓：你不理财，财不理你可以控制好自己的经济状况，让自己的生活过的有规律规划人生所必须的不会理财的人生将是困难的人生基金定投是定期定额投资基简称，是指在固定的时间以固定的金额投资到指定的，类似于银行零存整取方式。这样投资可以平均成本、分散风险，比较适合进行长期投资 负债 流动性现金 2400 短期负债 0 活期存款 6000 饮食支出 4500 定期存款 4000 医药费用 200 货币市场基金 0 日用品支持 800 短期借款 2000 水电费手机卡支出 800 流动资产合计 14400 旅游娱乐等支出 200 投资 0 汽车和其他支出 400 股票 0 其他消费支出 0 债券 0 其他短期负债 0 储蓄产品 0 短期负债合计 7100 基金 0 长期负债 0 房地产 0 房地产投资贷款 0 其他 400 汽车贷款 0 投资合计 0 教育贷款 0 长期贷款合计 0 总资产合计 14800 总负债合计 7100 净资产＝资产合计－负债合计 14800-6900=7900 第三部分 个人财务状况 3.1 个人收支情况（以月为单位） 个人现金流量表 时间：2011年12月 单位：元 流出 金额 流入