家庭理財(cái)規(guī)劃案例分析

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1、理財(cái)規(guī)劃書第59頁(yè)作品簡(jiǎn)介本規(guī)劃書是針對(duì)中等收入家庭而定制的，圍繞當(dāng)前經(jīng)濟(jì)狀況與客戶李才先生目前的實(shí)際情況而展開詳盡的分析與探討。在第二部分，我們編制了該客戶的家庭資產(chǎn)負(fù)債表、現(xiàn)金流量表等財(cái)務(wù)報(bào)表，以便幫助本團(tuán)隊(duì)進(jìn)行合理的分析：（1）在綜合財(cái)務(wù)診斷過(guò)程中，發(fā)現(xiàn)該客戶資產(chǎn)的配置方式存在漏洞、投資產(chǎn)品的集中度過(guò)高、凈現(xiàn)金現(xiàn)金流的收益效用沒(méi)有得到最大化；（2）在風(fēng)險(xiǎn)評(píng)定過(guò)程中，評(píng)定該客戶的風(fēng)險(xiǎn)屬性中等，屬于穩(wěn)健型投資者。進(jìn)而，對(duì)于客戶預(yù)期想達(dá)到的目標(biāo)是否可達(dá)，本團(tuán)隊(duì)還編制了家庭生涯仿真表并進(jìn)行了靜、動(dòng)態(tài)擬定方案，結(jié)果初步判定預(yù)期理財(cái)目標(biāo)可達(dá)。在第二部分的第八個(gè)項(xiàng)目，是本規(guī)劃書的重點(diǎn)。主要

2、是以客戶李才先生的預(yù)期目標(biāo)為理財(cái)規(guī)劃重心，合理協(xié)調(diào)各種生活資源，提高生活質(zhì)量。在規(guī)劃書的最后一部分，本團(tuán)隊(duì)用時(shí)效性的數(shù)據(jù)規(guī)劃出了一個(gè)“實(shí)施理財(cái)規(guī)劃后”的反饋，以便讓客戶認(rèn)同本團(tuán)隊(duì)的理財(cái)方案。第59頁(yè)目錄第一部分規(guī)劃前的溝通：取得客戶的相關(guān)資料···································4一、家庭成員的背景························································4二、家庭收支情況（收入均為稅前）············································4三、家庭資產(chǎn)負(fù)債情況

3、·····················································4四、理財(cái)目標(biāo)（短期目標(biāo)為現(xiàn)值，長(zhǎng)期目標(biāo)為終值）······························5第二部分理財(cái)規(guī)劃報(bào)告的內(nèi)容·················································6一、理財(cái)寄語(yǔ)及聲明························································6二、摘要·····················································

4、············7三、基本情況介紹··························································81、家庭基本情況概述如下表·············································82、理財(cái)目標(biāo)···························································9四、宏觀經(jīng)濟(jì)與基本假設(shè)····················································9五、家庭財(cái)務(wù)報(bào)表編制和家庭綜合財(cái)務(wù)分析······

5、·····························111、家庭稅后收入的具體計(jì)算············································112、家庭現(xiàn)金流量表第59頁(yè)····················································113、家庭資產(chǎn)負(fù)債表分析················································124、家庭生命周期性分析················································125、家庭應(yīng)急準(zhǔn)備金分析····

6、············································136、家庭實(shí)物資產(chǎn)分析··················································137、家庭財(cái)務(wù)指標(biāo)分析··················································148、家庭財(cái)務(wù)比率分析··················································169、家庭風(fēng)險(xiǎn)屬性屬性分析··············································17六、

7、擬定可達(dá)成理財(cái)目標(biāo)或解決問(wèn)題的方案···································181、靜態(tài)分析方案······················································182、動(dòng)態(tài)分析方案······················································19七、理財(cái)目標(biāo)規(guī)劃··············································