财务规划知识讲解.docxVIP

Proposal for Total Financial Planning 财务规划建议书 What is Personal Financial Planning 什么是财务规划？ It is a plan to assist you measure your financial goal. 它可以帮助您来衡量您的财务目标。 Analyze the financial needs for each differenee stage of your life. 分析每个人在不同年龄阶段的财务需要。 Let you have a better pla n of your asset man ageme nt. 让您更好的安排您的资产的动态。 Better pla n of asset protecti on and or the growth of asset. 可以让您的资产得到更好的保值或增值。 In conclusion, to makesure the financial tools you are employing still meet your n eeds. 总的来说就是如何使您的资产不会因为利息的变动、通货膨胀、银根紧 缩及税收等等的因素而使您的资产流失或萎缩。 The Purpose of Perso nal Fi nan cial Pla nning 财务规划的目的 The purpose of pers onal finan cial pla nning is to en sure you are on track to meet your goals, ide ntify and address new goals and make sure the finan cial tools you are emplo ying still meet your n eeds. In order to make sure you are able to further un dersta nd your pla ns, we would like to bring to your attentions the following four areas which no rmally the finan cial expects and econo mists who gen erally agree with. 财务规划的目的是要确保您的财务目标是正确的， 同时用适合的工具达到您的理 想。 为了使您对未来的计划有更好的了解，我们采用了经济学家及财务顾问们都认可 的方法来制定一套“全面的财务规划书”供您参考， 此计划书基本上包含了以下 几个方面： 流动现金帐户： 此帐户主要针对银行存款中的现金，它的主要目的是要提供 目前的基本生活费用及一些小型的紧急备用金。 专家建议：此帐户的金额应该是等于三到六个月的月收入。 Liquid Cash Account : Deposit account to provide for current expenses and minor emerge ncies. Expert Advise: A mi ni mum of 3 to 6 mon ths in come is desirable. 保障资产帐户： 此帐户是以保险来保障人们所要或可能会面对的风险。比如 说：疾病、医疗费用、意外事故、永久的失去工作能力及最 不幸的身故。 专家建议： 此帐户应该是等于5年或更长的年限，来提 供足够的金钱，给需要依靠他的人继续保持 原有的生活水平。 当然了，我们也要考虑： 除了人身保险以外的财产保险，以防止辛辛 苦苦建立的房产或工厂一夜之间变成废墟。 Protecti on Acco unt: In sura nee con tracts to safeguard the family unit in the eve nt of sick ness, disability and death. Expert Advise: In case of death, in sura nee to pay the cost of dying and to replace at least equal to 5 years of curre nt in come for survivors is a reas on able objective. 保证资产帐户： 可以借助“分红型”、“投资连接型”、或“有良好现金价 值的终身型”的保险及“保证固定收入”的投资来确保一 定的资金，来满足重大紧急备用资金、实业投资资金、儿童 教育基金及退休金用。 专家建议：必须先计划好以上几个方面的理想后选择一个 或多个计划来