理财规划方案报告书.doc

全方位理财计划汇报书用户：赖仁和张华夫妇计划团体：NO.1理财工作室完成日期： 10月30日服务企业：工商银行尊敬 赖仁 用户：很荣幸有这个机会为您提供全方位理财计划服务。本理财计划汇报书是用来帮助您明确财务需求及目标，对理财事务进行愈加好地决议，达成财务自由、决议自主和生活自在人生目标。本理财计划汇报书是在您提供资料基础上，基于通常可接收假设、合理估量，综合考虑您资产负债情况、理财目标、现金收支情况而制订。本计划汇报书将由金融理财师直接交和用户，充足沟通讨论后帮助用户实施计划书中提议方案。未经用户书面许可本企业负责金融理财师和助理人员，不得透漏任何相关用户个人信息。本计划汇报书收取酬劳为每份1000元人民币，汇报书完成后若要由理财师帮助实施投资或保险产品，本单位依据和基金企业和保险企业签署代理协议，收替换理手续费。所推荐产品和理财师个人投资没有利益冲突情况。一、基础情况介绍姓名年纪关系职业保险情况退休计划赖仁 28本人打工，月收入3500元（税前）无社保养老险，无商业保险80岁退休张华25配偶打工，月收入2500元（税前）无社保养老险，无商业保险80岁退休二、基础假设1）收入增加率5%，生活费增加率4%，学费增加率5%。房贷利率6%，房屋折旧率2%。2）作投资计划时，假设股票平均酬劳率为10%，标准差为20%，债券平均酬劳率为6%，标准差为7%，货币平均酬劳率为4%，视为无风险利率。三、家庭财务分析1、资产负债表 制订日期 /10/29资产金额负债净值金额现金和存款$4,000,000短期负债$0债券和债券基金$0房屋贷款$0股票和股票基金$0金融资产$4,000,000房产$3,000,000 负债总额$0资产总额$7,000,000净值$7,000,0002、现金流量表项目金额 比率本人收入$0 0.00%配偶收入$30,000 100.00%现金流入总额$30,000 100.00%夫妻支出$120,000 400.00%儿女支出$0 0.00%父母支出$40,000 133.33%保费支出$0 0.00%贷款本息$00.00%现金支出总额$160,000533.33%净现金流量-$130,000-433.33%3. 家庭财务诊疗衡量指标数值合理范围流动资产/月支出300.00 3-6个月支出负债/资产0.00%小于60%年供额/收入0.00%小于40%保费/收入0.00%5%-15%净现金流量/收入-433.33%20%以上金融资产/总资产57.14%50%以上1) 该家庭流动资产达300倍月支出，流动资产过多，收益率低，应配置投资收益较高产品，比如股票、债券、信托。2）无负债，财务稳健，可适度利用财务杠杆加速资产成长。3）没有任何保费支出，保障不足。可合适投资保险产品，预防意外事故造成大额意外支出影响正常生活。4）投资性资产（股票基金）占可利用资金二分之一多，比重合适。四、用户理财目标和风险属性界定一) 用户理财目标依据和用户夫妇沟通，认定其理财目标依据优先级排列以下：1) 尽早花20万办一个风光婚礼2）十二个月内将生育一个儿女，培养儿女到大学毕业，大学学费每十二个月现值10,000元。3) 购置300万房子作为婚房，50万元作为老家旧房重建资金。 4) 每十二个月生活开销提升到12万，同时每十二个月给父母4万元养老。二)用户风险属性1风险承受能力年纪 10分8分6分4分2分用户得分28总分50分，25岁以下者50分，每多一岁少1分，75岁以上者0分47就业情况公教人员上班族佣金收入者自营事业者失业8家庭负担未婚双薪无儿女双薪有儿女单薪有儿女单薪养三代2置产情况投资不动产自宅无房贷房贷50无自宅2投资经验以上625年1年以内无2投资知识有专业证照财金科系毕自修有心得懂部分一片空白2总分632风险承受态度忍受亏损 %10分8分6分4分2分用户得分10不能容忍任何损失0分，每增加1%加2分，可容忍25得50分20首要考虑赚短现差价长久利得年现金收益抗通膨保值保本保息8认赔动作默认停损点事后停损部分认赔持有待回升加码摊平4赔钱心理学习经验照常过日子影响情绪小影响情绪大难以成眠6最关键特征赢利性收益兼成长收益性流动性安全性8避免工具无期货股票外汇不动产8总分543风险矩阵风险矩阵风险能力低能力 中低能力中能力 中高能力 高能力风险态度工具0-19分20-39分40-59分60-79分80-100分低态度 0-19分货币70%50%40%20%0%债券20%40%40%50%50%股票10%10%20%30%50%预期酬劳率5.00%5.40%6.00%6.80%8.00%标准差3.40%4.28%5.64%7.66%11.24%中低态度 20-39分货币50%40%20%0%0%债券40%40%50%50%40%股票10%20%30%50%60%预期酬劳率5.40%6.00%6.80%8.00%8.40%标准差4.28%5.64%7.66%11.24%12.86%中态度 40-59分货币40%20%0%0%0%债券40%50%50%40%30%股票20%30%50%60%70%预期酬劳率6.00%6.80%8.00%8.40%8.80%标准差5.64%7.66%11.24%12.86%14.57%中高态度 60-79分货币20%0%0%0%0%债券30%50%40%30%20%股票50%50%60%70%80%预期酬劳率7.60%8.00%8.40%8.80%9.20%标准差10.71%11.24%12.86%14.57%16.34%高态度 80-100分货币0%0%0%0%0%债券50%40%30%20%10%股票50%60%70%80%90%预期酬劳率8.00%8.40%8.80%9.20%9.60%标准差11.24%12.86%14.57%16.34%18.15%4依据风险属性资产配置项目分数投资工具资产配置预期酬劳率标准差相关系数承受能力63货币0.00%4.00%2.00%0.5承受态度54债券40.00%6.00%7.00%0.2最高酬劳率24.52%股票60.00%10.00%20.00%0.1最低酬劳率-7.72%投资组合100.00%8.40%12.59%5资产配置图五保险计划假设目标可实现，因为用户家庭收入关键依靠彩票奖金投资收益，用户家庭组员工作、生存情况几乎不影响未来收入，故仍可满足未来各项支出，不需购置保险。 一样，经过遗属需要法，也能够计算得到应有寿险保额为-107万。保险需求计划表折现率0%填补遗属需要寿险需求本人配偶配偶目前年纪26 29 目前家庭生活费用$126,000$126,000配偶个人收入$30,000$0家庭年支出缺口$96,000 $126,000 家庭未来生活费准备年数34 28 家庭未来缺口年金现值$3,264,000 $3,528,000 儿女教养费$0 $0 家庭房贷余额及其它负债$0 $0 家庭生息资产$4,336,000 $4,336,000 遗属需要法应有寿险保额($1,072,000)($808,000)现在已投保寿险保额$0$0应加保寿险保额$0 $0 20年缴费定时寿险费率18.06 23.02 应增加年保费预算$0 $0 说明：家庭年支出缺口=目前家庭生活费用-配偶个人收入未明年支出缺口现值=PV(I=折现率以3%计算，n=未来生活准备年数，PMT=家庭年支出缺口，0，1)应有寿险保额=未明年支出缺口现值+大学学费支出现值+家庭房贷及其它负债余额-家庭生息资产六 方案选择1、方案一 一次性付房款现金流预估表理财准备4,000,000 项目夫收入妻收入夫社保养老妻社保养老本人支出配偶支出养育儿女赡养父母出售旧房还旧房贷款购房首付新房房贷儿女大学教育儿女出国留学本人退休后生活费配偶退休后生活费婚礼花费购车房屋修葺保费支出1保费支出2几年后开始1 1 1 36 1 1 1 0 0 1 0 0 0 0 1 36 0 0 0 1 2 首期现金流现值0 30,000 0 0 (60,000)(60,000)(50,000)(40,000)3,000,000 #DIV/0!(3,000,000)#DIV/0!0 0 (60,000)(60,000)(200,000)(300,000)(500,000)0 0 连续几年0 35 52 20 0 35 22 30 0 0 0 0 0 0 52 20 0 0 0 1 20 现金流增加率0.00%0.00%0.00%0.00%5.00%5.00%5.00%5.00%-2.00%0.00%0.00%0.00%0.00%0.00%5.00%5.00%0.00%0.00%0.00%0.00%0.00%生涯仿真表用IRR计算用无风险利率用投资酬劳率几年后开始夫收入妻收入夫社保养老妻社保养老本人支出配偶支出养育儿女赡养父母出售旧房还旧房贷款购房首付新房房贷儿女大学教育儿女留学本人退休配偶退休出国旅游购车创业资金保费支出1保费支出2净现金流理财准备理财准备理财准备期初现金流量4,000,000 4,000,000 4,000,000 4,000,000 10 30,000 0 0 0 (63,000)(52,500)(42,000)0 0 0 0 0 0 (63,000)0 0 0 0 0 0 (190,500)4,158,791 3,969,500 4,145,500 20 30,000 0 0 0 (66,150)(55,125)(44,100)0 0 0 0 0 0 (66,150)0 0 0 0 0 0 (201,525)4,320,423 3,926,755 4,292,197 30 30,000 0 0 0 (69,458)(57,881)(46,305)0 0 0 0 0 0 (69,458)0 0 0 0 0 0 (213,101)4,484,592 3,870,724 4,439,640 40 30,000 0 0 0 (72,930)(60,775)(48,620)0 0 0 0 0 0 (72,930)0 0 0 0 0 0 (225,256)4,650,943 3,800,297 4,587,314 50 30,000 0 0 0 (76,577)(63,814)(51,051)0 0 0 0 0 0 (76,577)0 0 0 0 0 0 (238,019)4,819,057 3,714,289 4,734,629 60 30,000 0 0 0 (80,406)(67,005)(53,604)0 0 0 0 0 0 (80,406)0 0 0 0 0 0 (251,420)4,988,449 3,611,441 4,880,918 70 30,000 0 0 0 (84,426)(70,355)(56,284)0 0 0 0 0 0 (84,426)0 0 0 0 0 0 (265,491)5,158,563 3,490,407 5,025,424 80 30,000 0 0 0 (88,647)(73,873)(59,098)0 0 0 0 0 0 (88,647)0 0 0 0 0 0 (280,266)5,328,757 3,349,758 5,167,294 90 30,000 0 0 0 (93,080)(77,566)(62,053)0 0 0 0 0 0 (93,080)0 0 0 0 0 0 (295,779)5,498,300 3,187,969 5,305,567 100 30,000 0 0 0 (97,734)(81,445)(65,156)0 0 0 0 0 0 (97,734)0 0 0 0 0 0 (312,068)5,666,358 3,003,420 5,439,167 110 30,000 0 0 0 (102,620)(85,517)(68,414)0 0 0 0 0 0 (102,620)0 0 0 0 0 0 (329,171)5,831,989 2,794,386 5,566,886 120 30,000 0 0 0 (107,751)(89,793)(71,834)0 0 0 0 0 0 (107,751)0 0 0 0 0 0 (347,130)5,994,124 2,559,031 5,687,375 130 30,000 0 0 0 (113,139)(94,282)(75,426)0 0 0 0 0 0 (113,139)0 0 0 0 0 0 (365,986)6,151,561 2,295,406 5,799,128 140 30,000 0 0 0 (118,796)(98,997)(79,197)0 0 0 0 0 0 (118,796)0 0 0 0 0 0 (385,786)6,302,946 2,001,437 5,900,469 150 30,000 0 0 0 (124,736)(103,946)(83,157)0 0 0 0 0 0 (124,736)0 0 0 0 0 0 (406,575)6,446,761 1,674,920 5,989,533 160 30,000 0 0 0 (130,972)(109,144)(87,315)0 0 0 0 0 0 (130,972)0 0 0 0 0 0 (428,404)6,581,306 1,313,513 6,064,250 170 30,000 0 0 0 (137,521)(114,601)(91,681)0 0 0 0 0 0 (137,521)0 0 0 0 0 0 (451,324)6,704,680 914,729 6,122,324 180 30,000 0 0 0 (144,397)(120,331)(96,265)0 0 0 0 0 0 (144,397)0 0 0 0 0 0 (475,390)6,814,761 475,929 6,161,209 190 30,000 0 0 0 (151,617)(126,348)(101,078)0 0 0 0 0 0 (151,617)0 0 0 0 0 0 (500,660)6,909,184 (5,694)6,178,091 200 30,000 0 0 0 (159,198)(132,665)(106,132)0 0 0 0 0 0 (159,198)0 0 0 0 0 0 (527,193)6,985,321 (533,114)6,169,858 210 30,000 0 0 0 (167,158)(139,298)(111,439)0 0 0 0 0 0 (167,158)0 0 0 0 0 0 (555,052)7,040,246 (1,109,491)6,133,074 220 30,000 0 0 0 (175,516)(146,263)(117,010)0 0 0 0 0 0 (175,516)0 0 0 0 0 0 (584,305)7,070,714 (1,738,175)6,063,947 230 30,000 0 0 0 (184,291)0 (122,861)0 0 0 0 0 0 (184,291)0 0 0 0 0 0 (461,444)7,226,704 (2,269,146)6,111,875 240 30,000 0 0 0 (193,506)0 (129,004)0 0 0 0 0 0 (193,506)0 0 0 0 0 0 (486,016)7,371,743 (2,845,928)6,139,257 250 30,000 0 0 0 (203,181)0 (135,454)0 0 0 0 0 0 (203,181)0 0 0 0 0 0 (511,817)7,503,647 (3,471,582)6,143,137 260 30,000 0 0 0 (213,340)0 (142,227)0 0 0 0 0 0 (213,340)0 0 0 0 0 0 (538,908)7,619,978 (4,149,353)6,120,253 270 30,000 0 0 0 (224,007)0 (149,338)0 0 0 0 0 0 (224,007)0 0 0 0 0 0 (567,353)7,718,022 (4,882,680)6,067,002 280 30,000 0 0 0 (235,208)0 (156,805)0 0 0 0 0 0 (235,208)0 0 0 0 0 0 (597,221)7,794,760 (5,675,208)5,979,409 290 30,000 0 0 0 (246,968)0 (164,645)0 0 0 0 0 0 (246,968)0 0 0 0 0 0 (628,582)7,846,838 (6,530,798)5,853,098 300 30,000 0 0 0 (259,317)0 0 0 0 0 0 0 0 (259,317)0 0 0 0 0 0 (488,633)8,043,412 (7,280,663)5,856,125 310 30,000 0 0 0 (272,282)0 0 0 0 0 0 0 0 (272,282)0 0 0 0 0 0 (514,565)8,231,220 (8,086,454)5,833,475 320 30,000 0 0 0 (285,896)0 0 0 0 0 0 0 0 (285,896)0 0 0 0 0 0 (541,793)8,408,199 (8,951,705)5,781,693 330 30,000 0 0 0 (300,191)0 0 0 0 0 0 0 0 (300,191)0 0 0 0 0 0 (570,383)8,572,043 (9,880,156)5,696,973 340 30,000 0 0 0 (315,201)0 0 0 0 0 0 0 0 (315,201)0 0 0 0 0 0 (600,402)8,720,175 (10,875,764)5,575,117 350 30,000 0 0 0 (330,961)0 0 0 0 0 0 0 0 (330,961)0 0 0 0 0 0 (631,922)8,849,723 (11,942,716)5,411,505 360 0 0 0 0 0 0 0 0 0 0 0 0 0 (347,509)(347,509)0 0 0 0 0 (695,018)8,927,487 (13,115,443)5,171,053 370 0 0 0 0 0 0 0 0 0 0 0 0 0 (364,884)(364,884)0 0 0 0 0 (729,769)8,977,290 (14,369,829)4,875,653 380 0 0 0 0 0 0 0 0 0 0 0 0 0 (383,129)(383,129)0 0 0 0 0 (766,257)8,994,954 (15,710,880)4,518,951 390 0 0 0 0 0 0 0 0 0 0 0 0 0 (402,285)(402,285)0 0 0 0 0 (804,570)8,975,847 (17,143,885)4,093,972 400 0 0 0 0 0 0 0 0 0 0 0 0 0 (422,399)(422,399)0 0 0 0 0 (844,799)8,914,844 (18,674,439)3,593,067 410 0 0 0 0 0 0 0 0 0 0 0 0 0 (443,519)(443,519)0 0 0 0 0 (887,039)8,806,274 (20,308,455)3,007,847 420 0 0 0 0 0 0 0 0 0 0 0 0 0 (465,695)(465,695)0 0 0 0 0 (931,391)8,643,871 (22,052,184)2,329,115 430 0 0 0 0 0 0 0 0 0 0 0 0 0 (488,980)(488,980)0 0 0 0 0 (977,960)8,420,717 (23,912,232)1,546,801 440 0 0 0 0 0 0 0 0 0 0 0 0 0 (513,429)(513,429)0 0 0 0 0 (1,026,858)8,129,179 (25,895,579)649,874 450 0 0 0 0 0 0 0 0 0 0 0 0 0 (539,100)(539,100)0 0 0 0 0 (1,078,201)7,760,840 (28,009,603)(373,737)460 0 0 0 0 0 0 0 0 0 0 0 0 0 (566,055)(566,055)0 0 0 0 0 (1,132,111)7,306,426 (30,262,098)(1,537,242)470 0 0 0 0 0 0 0 0 0 0 0 0 0 (594,358)(594,358)0 0 0 0 0 (1,188,717)6,755,726 (32,661,298)(2,855,087)480 0 0 0 0 0 0 0 0 0 0 0 0 0 (624,076)(624,076)0 0 0 0 0 (1,248,152)6,097,502 (35,215,903)(4,343,067)490 0 0 0 0 0 0 0 0 0 0 0 0 0 (655,280)(655,280)0 0 0 0 0 (1,310,560)5,319,393 (37,935,099)(6,018,445)500 0 0 0 0 0 0 0 0 0 0 0 0 0 (688,044)(688,044)0 0 0 0 0 (1,376,088)4,407,808 (40,828,591)(7,900,082)510 0 0 0 0 0 0 0 0 0 0 0 0 0 (722,446)(722,446)0 0 0 0 0 (1,444,892)3,347,818 (43,906,627)(10,008,581)520 0 0 0 0 0 0 0 0 0 0 0 0 0 (758,568)(758,568)0 0 0 0 0 (1,517,137)2,123,021 (47,180,029)(12,366,439)530 0 0 0 0 0 0 0 0 0 0 0 0 0 0 (796,497)0 0 0 0 0 (796,497)0 0 0 540 0 0 0 0 0 0 0 0 0 0 0 0 0 0 (836,322)0 0 0 0 0 (836,322)0 0 0 550 0 0 0 0 0 0 0 0 0 0 0 0 0 0 (878,138)0 0 0 0 0 (878,138)0 0 0 酬劳率8.73%4.00%8.40%利用说明 净现值 (218,734)1）夫妻收入均为税后可支配收入，年数为工作期2）夫妻养老金以现在收入*替换率输入，年数=退休期，养老金提拨额=税前薪资*8%，养老金账户支用期=退休期,现金流增加率=养老金投资酬劳率3）住房公积金需按夫妻及企业提交比率*税前薪资输入，注意提交上限要求，夫妻全部有住房公积金可加列输入，公积金账户余额支用期=购房期，现金流增加率=公积金金投资酬劳率 4）出售旧房，若有贷款，需扣除贷款余额,贷款先计算年供额后填入，几年开始=1，连续几年=换房期5)家庭支出年数=工作期+退休期，赡养父母开始年数=2，连续年数=25，到父母85岁。6）儿女教养金开始年数=几年后生小孩，连续年数=养育年数，大学学费开始年数=20，到儿女18岁，连续年数=47）购房计划首付款年数=购房期，贷款先计算年供额后填入，几年开始=购房期，连续几年=房贷年数