家庭理財規(guī)劃案例分析

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1、理財規(guī)劃書第59頁作品簡介本規(guī)劃書是針對中等收入家庭而定制的，圍繞當前經(jīng)濟狀況與客戶李才先生目前的實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)負債表、現(xiàn)金流量表等財務(wù)報表，以便幫助本團隊進行合理的分析：（1）在綜合財務(wù)診斷過程中，發(fā)現(xiàn)該客戶資產(chǎn)的配置方式存在漏洞、投資產(chǎn)品的集中度過高、凈現(xiàn)金現(xiàn)金流的收益效用沒有得到最大化；（2）在風(fēng)險評定過程中，評定該客戶的風(fēng)險屬性中等，屬于穩(wěn)健型投資者。進而，對于客戶預(yù)期想達到的目標是否可達，本團隊還編制了家庭生涯仿真表并進行了靜、動態(tài)擬定方案，結(jié)果初步判定預(yù)期理財目標可達。在第二部分的第八個項目，是本規(guī)劃書的重點。主要

2、是以客戶李才先生的預(yù)期目標為理財規(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，本團隊用時效性的數(shù)據(jù)規(guī)劃出了一個“實施理財規(guī)劃后”的反饋，以便讓客戶認同本團隊的理財方案。第59頁目錄第一部分規(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)負債情況

3、·····················································4四、理財目標（短期目標為現(xiàn)值，長期目標為終值）······························5第二部分理財規(guī)劃報告的內(nèi)容·················································6一、理財寄語及聲明························································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、理財目標···························································9四、宏觀經(jīng)濟與基本假設(shè)····················································9五、家庭財務(wù)報表編制和家庭綜合財務(wù)分析······

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

6、············································136、家庭實物資產(chǎn)分析··················································137、家庭財務(wù)指標分析··················································148、家庭財務(wù)比率分析··················································169、家庭風(fēng)險屬性屬性分析··············································17六、

7、擬定可達成理財目標或解決問題的方案···································181、靜態(tài)分析方案······················································182、動態(tài)分析方案······················································19七、理財目標規(guī)劃··············································