謝太太的理財(cái)計(jì)劃書(shū)

1、謝太太的理財(cái)計(jì)劃書(shū)謝太太的理財(cái)計(jì)劃書(shū)前言..........................................................................................................................................................1名詞解釋.........................................

2、.........................................................................................................1一、客戶的財(cái)務(wù)現(xiàn)狀.........................................................................................................

3、.....................2（一）基本信息..............................................................................................................................2（二）收支狀況.........................................................

4、.....................................................................2（三）資產(chǎn)及負(fù)債..........................................................................................................................4（四）投資組合績(jī)效..........

5、............................................................................................................5（五）商業(yè)保險(xiǎn)........................................................................................................

6、......................5（六）總體分析..............................................................................................................................6二、客戶的目標(biāo)和選擇.....................................................

7、.....................................................................6（一）理財(cái)目標(biāo)..............................................................................................................................6（二）投資偏好分析.......

8、...............................................................................................................7（三）理財(cái)對(duì)應(yīng)的時(shí)間段.................................................................................................

9、.............7（四）理財(cái)假設(shè)..............................................................................................................................7三、理財(cái)規(guī)劃..................................................................

10、........................................................................8（一）現(xiàn)金規(guī)劃..............................................................................................................................8（二）房屋計(jì)劃......

11、........................................................................................................................9（三）保險(xiǎn)規(guī)劃............................................................................................

12、..................................9（四）教育金規(guī)劃..........................................................................................................................9（五）退休養(yǎng)老金計(jì)劃............................................

13、......................................................................9（六）投資規(guī)劃............................................................................................................................10前言前言本理財(cái)策劃建議書(shū)是綜合考

14、慮您的財(cái)務(wù)狀況、風(fēng)險(xiǎn)偏好、投資取向、理財(cái)目標(biāo)和合理的經(jīng)濟(jì)預(yù)期而得出的一般性理財(cái)指引。根據(jù)您的現(xiàn)金流及未來(lái)長(zhǎng)期財(cái)務(wù)需求，同時(shí)考慮到您的生活支出、保費(fèi)支出及資金積累的需要，建議您采取合理配置、穩(wěn)健投資、定期調(diào)整的方案，來(lái)實(shí)現(xiàn)您的長(zhǎng)期理財(cái)目標(biāo)。通過(guò)本建議書(shū)的指引，將使您的家庭財(cái)務(wù)狀況得到提升，生活品質(zhì)進(jìn)一步提高。名詞解釋名詞解釋貨幣市場(chǎng)基金：貨幣市場(chǎng)基金：指投資于貨幣市場(chǎng)上短期（一年以內(nèi)，平均期限120天）有價(jià)證券的一種投資基金。該基金資產(chǎn)主

15、要投資于短期貨幣工具如國(guó)庫(kù)券、商業(yè)票據(jù)、銀行定期存單、政府短期債券、企業(yè)債券等（二）收支狀況（二）收支狀況表2月度收支狀況（單位／元）月度收支狀況（單位／元）每月收支狀況（單位／元）收入支出本人月收入100000（稅前）房租0配偶收入0基本生活開(kāi)銷12000房租收入0養(yǎng)車費(fèi)用7000其他家人收入0子女教育費(fèi)2500其他收入0保姆費(fèi)4000服裝、化妝品10000合計(jì)100000（稅前）合計(jì)35500每月結(jié)余30000表3年末收支狀況年末收

16、支狀況（單位／元）單位／元）收入支出年終獎(jiǎng)金226000（稅后）孝敬父母100000存款利息0旅游100000其它0其他人情往來(lái)26000合計(jì)226000（稅后）合計(jì)226000年度結(jié)余0表4家庭現(xiàn)金流量表家庭現(xiàn)金流量表（占比占比）收入項(xiàng)目金額比重支出項(xiàng)目金額比重工資和獎(jiǎng)金等1012000100%房租00.00%租金收入00基本生活開(kāi)支14400022.09%存款利息00養(yǎng)車費(fèi)用8400012.88%貨幣市場(chǎng)基金紅利00子女教育3000