全方位理財(cái)規(guī)劃報(bào)告

1、全方位理財(cái)規(guī)劃報(bào)告書客戶：張先生與張?zhí)驄D規(guī)劃師：完成日期：2017年10月12日服務(wù)公司：順發(fā)理財(cái)規(guī)劃顧問(wèn)公司尊敬的張先生客戶：非常榮幸有這個(gè)機(jī)會(huì)為您提供全方位的理財(cái)規(guī)劃服務(wù)。本理財(cái)規(guī)劃報(bào)告書是用來(lái)幫助您明確財(cái)務(wù)需求及目標(biāo)，對(duì)理財(cái)事務(wù)進(jìn)行更好地決策，達(dá)到財(cái)務(wù)自由、決策自主與生活自在的人生目標(biāo)。本理財(cái)規(guī)劃報(bào)告書是在您提供的資料基礎(chǔ)上，基于通?？山邮艿募僭O(shè)、合理的估計(jì)，綜合考慮您的資產(chǎn)負(fù)債狀況、理財(cái)目標(biāo)、現(xiàn)金收支狀況而制定的。本規(guī)劃報(bào)告書將由金融理財(cái)師直接交與客戶，充分溝通討論后協(xié)助客戶執(zhí)行規(guī)劃書中的建議方案。未經(jīng)客戶書面許可本公司負(fù)責(zé)的金融理財(cái)師與助理人員，不得透漏任何有關(guān)客戶的個(gè)人信息。本

2、規(guī)劃報(bào)告書收取報(bào)酬為每份1000元人民幣，報(bào)告書完成后若要由理財(cái)師協(xié)助執(zhí)行投資或保險(xiǎn)產(chǎn)品，本單位根據(jù)與基金公司與保險(xiǎn)公司簽訂的代理合同，收取代理手續(xù)費(fèi)。所推薦產(chǎn)品與理財(cái)師個(gè)人投資沒(méi)有利益沖突狀況。一、基本狀況介紹姓名年關(guān)職業(yè)保險(xiǎn)狀況退休計(jì)劃齡系生46本人上市公司局管，年稅后收入415萬(wàn)兀。個(gè)人年支出52.3萬(wàn)兀。有社會(huì)養(yǎng)老保險(xiǎn)，無(wú)商業(yè)保險(xiǎn)60歲退休張?zhí)?1配偶股份制銀行行長(zhǎng)，年稅后收入300萬(wàn)元。個(gè)人年支出52.3萬(wàn)元。有社會(huì)養(yǎng)老保險(xiǎn)，無(wú)商業(yè)保險(xiǎn)55歲退休二、基本假設(shè)1）收入增長(zhǎng)率6%,支出tf長(zhǎng)率5%,房?jī)r(jià)tf長(zhǎng)率4%,學(xué)費(fèi)tf長(zhǎng)率4%,退休后社保養(yǎng)老金收入替代率為40%房貸利率7%,購(gòu)房

3、貸款成數(shù)50%,年數(shù)20年。房屋折舊率2%。2）作投資規(guī)劃時(shí)，假設(shè)股票的平均報(bào)酬率為11%標(biāo)準(zhǔn)差為20%債券的平均報(bào)酬率為6%標(biāo)準(zhǔn)差為7%貨幣的平土報(bào)酬率為4%視為無(wú)風(fēng)險(xiǎn)利率。三、家庭財(cái)務(wù)分析家庭資產(chǎn)負(fù)債表基準(zhǔn)日：2016/12/31資產(chǎn)金額負(fù)債凈值金額現(xiàn)金與存款4,980,000短期負(fù)債0債券與債券基金，信托產(chǎn)品0房屋貸款9,000,000股票與股票基金，實(shí)業(yè)投資21,500,000金融資產(chǎn)26,480,000房產(chǎn)投資24,625,000負(fù)債總額9,000,000自用房產(chǎn)、車23,800,000資產(chǎn)總額74,905,000凈值65,905,000現(xiàn)金流量表項(xiàng)目金額比率本人收入4,150,00

4、058.04%配偶收入3,000,00041.96%現(xiàn)金流入總額7,150,000100.00%夫妻支出1,046,00014.63%子女支出78,0001.09%父母支出50,0000.70%保費(fèi)支出00.00%貸款本息1,281,39817.92%現(xiàn)金支出總額2,455,39834.34%凈現(xiàn)金流量4,694,60265.66%家庭財(cái)務(wù)比率分析衡量指標(biāo)數(shù)值合理范圍診斷分析流動(dòng)資產(chǎn)/月支出5.353-6個(gè)月支出現(xiàn)有存款高于年支出，保持高流動(dòng)性負(fù)債/資產(chǎn)12.02%小于60%肩負(fù)債，但財(cái)務(wù)穩(wěn)健，可適當(dāng)利用財(cái)務(wù)杠桿加速資產(chǎn)成長(zhǎng)年供額/收入17.92%小于40%收入較局，財(cái)務(wù)比較自由保費(fèi)/收入0.

5、00%5%-15%沒(méi)有保費(fèi)支出凈現(xiàn)金流量/收入-56.28%20%上收入較高，埋財(cái)規(guī)劃彈住大生息資產(chǎn)/總資產(chǎn)68.23%50%上投資資產(chǎn)比例合理，有利于家庭收入增加家庭財(cái)務(wù)診斷1）家庭稅后年收入7150,000元，年支出2455398元，儲(chǔ)蓄4694602元，儲(chǔ)蓄率65.66%,是一個(gè)高儲(chǔ)蓄率的家庭，理財(cái)規(guī)劃彈性大。其中劉先生收入貢獻(xiàn)率58.04%,高于劉太太的41.96%2）有負(fù)債，財(cái)務(wù)穩(wěn)健，可適度利用財(cái)務(wù)杠桿加速資產(chǎn)成長(zhǎng)。3）現(xiàn)有存款高于年支出，保持高流動(dòng)性。4）沒(méi)有商業(yè)保費(fèi)支出，夫妻只有社保未投保商業(yè)險(xiǎn)，保障不足。5）投資性資產(chǎn)（股票基金）占可運(yùn)用資金三分之二，比重適當(dāng)。四、客戶的理財(cái)目

6、標(biāo)與風(fēng)險(xiǎn)屬性界定一）客戶的理財(cái)目標(biāo)根據(jù)與客戶夫婦的溝通，認(rèn)定其理財(cái)目標(biāo)依照優(yōu)先級(jí)排列如下：1）三年后兒子出國(guó)上大學(xué)，大學(xué)學(xué)費(fèi)每年現(xiàn)值450000元。2）三年后在兒子學(xué)校附近購(gòu)買一套公寓，預(yù)計(jì)房?jī)r(jià)100萬(wàn)美元。3）3）劉先生準(zhǔn)備60歲退休，劉太太準(zhǔn)備55歲退休。退休后實(shí)質(zhì)生活水準(zhǔn)不變，退休生活計(jì)算到85歲。二）客戶的風(fēng)險(xiǎn)屬性1 .風(fēng)險(xiǎn)承受能力年齡10分8分6分4分2分客戶得分46總分50分，25歲以下者50分，每多一歲少1分，75歲以上者0分29就業(yè)狀況公教人員上班族傭金收入者自營(yíng)事業(yè)者失業(yè)8家庭負(fù)擔(dān)未婚雙薪無(wú)子女雙薪有子女單薪有子女單薪養(yǎng)二代6置產(chǎn)狀況投資不動(dòng)產(chǎn)自宅無(wú)房貸房貸50%房貸50%無(wú)

7、自宅10投資經(jīng)驗(yàn)10年以上610年25年1年以內(nèi)無(wú)10投資知識(shí)有專業(yè)證照財(cái)金科系畢自修有心得懂一些一片空白8總分712 .風(fēng)險(xiǎn)承受態(tài)度忍受勺損10分8分6分4分2分客戶得分10不能容忍任何損失0分，每增加1嘀口2分，可容忍25%得50分50首要考慮賺短現(xiàn)差價(jià)長(zhǎng)期利得年現(xiàn)金收益抗通膨保值保本保息8認(rèn)賠動(dòng)作默認(rèn)停損點(diǎn)事后停損部分認(rèn)賠持有待回升加碼攤平8賠錢心理學(xué)習(xí)經(jīng)驗(yàn)照常過(guò)日子影響情緒小影響情緒大難以成眠8最重要特性獲利性收益兼成長(zhǎng)收益性流動(dòng)性安全性10避免工具無(wú)期貨股票外匯不動(dòng)產(chǎn)6總分903 .風(fēng)險(xiǎn)矩陣風(fēng)險(xiǎn)矩陣風(fēng)險(xiǎn)能力低能力中低能力中能力中局能力高能力風(fēng)險(xiǎn)態(tài)度工具0-19分20-39分40-59

8、分60-79分80-100分低態(tài)度0-19分貨幣70%50%40%20%0%彳貝券20%40%40%50%50%股票10%10%20%30%50%預(yù)期報(bào)酬率5.00%5.40%6.00%6.80%8.00%標(biāo)準(zhǔn)差3.40%4.28%5.64%7.66%11.24%中低態(tài)度20-39分貨幣50%40%20%0%0%彳貝券40%40%50%50%40%股票10%20%30%50%60%預(yù)期報(bào)酬率5.40%6.00%6.80%8.00%8.40%標(biāo)準(zhǔn)差4.28%5.64%7.66%11.24%12.86%中態(tài)度40-59分貨幣40%20%0%0%0%彳貝券40%50%50%40%30%股票20%30

9、%50%60%70%預(yù)期報(bào)酬率6.00%6.80%8.00%8.40%8.80%標(biāo)準(zhǔn)差5.64%7.66%11.24%12.86%14.57%貨幣20%0%0%0%0%彳貝券30%50%40%30%20%中局態(tài)度60-79分股票50%50%60%70%80%預(yù)期報(bào)酬率7.60%8.00%8.40%8.80%9.20%標(biāo)準(zhǔn)差10.71%11.24%12.86%14.57%16.34%Wj態(tài)度80-100分貨幣0%0%0%0%0%彳貝券50%40%30%20%10%股票50%60%70%80%90%預(yù)期報(bào)酬率8.00%8.40%8.80%9.20%9.60%標(biāo)準(zhǔn)差11.24%12.86%14.57

10、%16.34%18.15%4 .根據(jù)風(fēng)險(xiǎn)屬性的資產(chǎn)配置項(xiàng)目分?jǐn)?shù)投資工具資產(chǎn)配置預(yù)期報(bào)酬率標(biāo)準(zhǔn)差相關(guān)系數(shù)承受能力71貨幣0.00%4.00%2.00%0.5承受態(tài)度90彳貝券20.00%6.00%7.00%0.2最高報(bào)酬率29.94%股票80.00%10.00%20.00%0.1最低報(bào)酬率-11.54%投資組合100.00%9.20%16.20%5 .資產(chǎn)配置圖五.保險(xiǎn)規(guī)劃由于本方案為已婚家庭，分別用遺屬需要法、生命價(jià)值法、最低保額需求測(cè)算壽險(xiǎn)保額，取三者保額最高者為應(yīng)有壽險(xiǎn)保額，意外險(xiǎn)的保額為壽險(xiǎn)的2倍，預(yù)防因?yàn)橐馔獍l(fā)生半殘的情況。退休前彌補(bǔ)收入的壽險(xiǎn)需求本人配偶被保險(xiǎn)人當(dāng)前年齡4641預(yù)計(jì)幾

11、歲退休6055離退休年數(shù)1414當(dāng)前的個(gè)人年收入4,150,0003,000,000當(dāng)前的個(gè)人年支出523,000523,000當(dāng)前的個(gè)人年凈收入3,627,0002,477,000折現(xiàn)率（實(shí)質(zhì)投資報(bào)酬率）2.00%2.00%個(gè)人未來(lái)凈收入的年金現(xiàn)值43,909,36429,987,178彌補(bǔ)收入應(yīng)有的的壽險(xiǎn)保額43,909,36429,987,178彌補(bǔ)遺屬需要的壽險(xiǎn)需求本人配偶配偶當(dāng)前年齡4146當(dāng)前的家庭生活費(fèi)用2,455,3982,455,398保險(xiǎn)事故發(fā)生后支出調(diào)整率60.00%60.00%配偶的個(gè)人收入3,000,0004,150,000家庭年支出缺口(1,526,761)(2,6

12、76,761)家庭未來(lái)生活費(fèi)準(zhǔn)備年數(shù)1414家庭未來(lái)缺口的年金現(xiàn)值(18,853,018)(33,053,648)應(yīng)備子女教育支出現(xiàn)值1,800,0001,800,000家庭房貸余額及其他負(fù)債9,000,0009,000,000家庭生息資產(chǎn)51,105,00051,105,000生息資產(chǎn)變現(xiàn)折扣率70.00%70.00%遺屬需要法應(yīng)用的壽險(xiǎn)保額00喪葬最終支出當(dāng)前水平800,000800,000緊急預(yù)備金現(xiàn)金需求1,227,6991,227,699最低保額需求（現(xiàn)金需求）11,027,69911,027,699應(yīng)有壽險(xiǎn)保額需求（3法取其高者）43,909,36429,987,178應(yīng)有的意外險(xiǎn)

13、保額保額需求87,818,72959,974,35620年繳費(fèi)定期壽險(xiǎn)費(fèi)率96.9033.90應(yīng)繳的年壽險(xiǎn)保費(fèi)425,482101,657應(yīng)繳的年意外險(xiǎn)保費(fèi)87,81959,974年繳保費(fèi)總額513,300161,631總保費(fèi)占收入的百分比12.37%5.39%依據(jù)上述方法計(jì)算，算出本人應(yīng)該投保4390萬(wàn)元壽險(xiǎn)，配偶應(yīng)該投保3000萬(wàn)元壽險(xiǎn)，如果是交費(fèi)20年的定期壽險(xiǎn)，年繳保費(fèi)分別為425482元與101657元，而意外險(xiǎn)年繳保費(fèi)分別為87819元與59974元，每年合計(jì)保費(fèi)分別為513300元與161631元，會(huì)在生涯仿真表中顯現(xiàn)。六.以生涯仿真表檢驗(yàn)理財(cái)目標(biāo)的可行性生涯仿真表用IRR計(jì)算用

14、IRR計(jì)算用無(wú)風(fēng)險(xiǎn)利率用投資報(bào)酬率本配幾年夫收入妻收入夫社保養(yǎng)老妻社保養(yǎng)老本配養(yǎng)贍出還舊房貸款購(gòu)新子女子女人退偶退裝創(chuàng)業(yè)保凈理理理人偶育養(yǎng)售房房大出休休修購(gòu)資費(fèi)現(xiàn)財(cái)財(cái)財(cái)后開(kāi)始支支子父舊首房學(xué)國(guó)后后費(fèi)車金支金準(zhǔn)準(zhǔn)準(zhǔn)出出女母房付貸教育留學(xué)生活生活用籌措出1流備備備費(fèi)費(fèi)期初現(xiàn)金流量49,877,30149,877,30149,877,30149,877,30114,3993,18000(549,(549,(81,1(52,00(1,281,398)000000000(674,4,391#NU56,2658,85,000,000150)150)20)00)931),251M!3,6447,26424,

15、6623,37000(576,(576,(84,3(54,00(1,281,398)000000000(674,4,785#NU63,2969,05,940,800608)608)65)80)931),751M!9,9417,88334,9423,57300(605,(605,0(56,20(1,281,398(3,554,5700(506,000(632,00(674,599,5#NU66,4376,01,716,048438)438)43)189)000)931)58M!1,4960,76645,239,2793,787,43100(635,710)(635,710)0(58,493)0(

16、1,281,398)0(335,526)(526,436)000000(674,931)4,878,506#NUM!73,967,26387,882,26355,553,6364,014,67700(667,495)(667,495)0(60,833)0(1,281,398)0(335,526)(547,494)000000(674,931)5,333,141#NUM!82,259,094101,300,57265,886,8544,255,55700(700,870)(700,870)0(63,266)0(1,281,398)0(335,526)(569,394)000000(674,931

17、)5,816,157#NUM!91,365,614116,436,38176,240,0664,510,89100(735,914)(735,914)0(65,797)0(1,281,398)0(335,526)000000(20,000,000)(674,931)(13,078,522)#NUM!81,941,717114,070,00686,614,4704,781,54400(772,709)(772,709)0(68,428)0(1,281,398)0(335,526)0000000(674,931)7,490,312#NUM!92,709,697132,054,75897,011,3

18、385,068,43700(811,345)(811,345)0(71,166)0(1,281,398)0(335,526)0000000(674,931)8,094,064#NUM!104,512,149152,297,861107,432,0185,372,54300(851,912)(851,912)0(74,012)000(335,526)0000000(674,931)10,016,267#NUM!118,708,903176,325,531117,877,9395,694,89600(894,507)(894,507)0(76,973)000(335,526)0000000(674

19、,931)10,696,389#NUM!134,153,648203,243,869128,350,6156,036,58900(939,233)(939,233)0(80,052)000(335,526)0000000(674,931)11,418,230#NUM!150,938,024233,360,535138,851,6526,398,78500(986,195)(986,195)0(83,254)000(335,526)0000000(674,931)12,184,337#NUM!169,159,882267,014,041149,382,7516,782,71200(1,035,5

20、04)(1,035,504)0(86,584)000(335,526)0000000(674,931)12,997,413#NUM!188,923,690304,576,74615003,978,2872,875,8700000000(335,526)00(623,847)(623,847)000(674,931)4,596,005#NUM!201,076,643337,193,81216004,216,9843,048,4220000000(335,526)00(648,801)(648,801)000(674,931)4,957,347#NUM!214,077,055373,172,990

21、17004,470,0033,231,3270000000(335,526)00(674,753)(674,753)000(674,931)5,341,367#NUM!227,981,505412,846,27218004,738,2033,425,2070000000(335,526)00(701,743)(701,743)000(674,931)5,749,467#NUM!242,850,232456,577,59519005,022,4953,630,7190000000(335,526)00(729,813)(729,813)000(674,931)6,183,132#NUM!258,

22、747,373504,765,86620005,323,8453,848,5630000000(335,526)00(759,005)(759,005)000(674,931)6,643,940#NUM!275,741,207557,848,26521005,643,2764,079,4760000000(335,526)00(789,365)(789,365)00007,808,495#NUM!294,579,351616,978,80122005,981,8724,324,2450000000(335,526)00(820,940)(820,940)00008,328,711#NUM!31

23、4,691,23682,069,566223006,340,7844,583,7000000000(335,526)00(853,777)(853,777)00008,881,403#NUM!336,160,288753,701,36424006,721,2324,858,7220000000000(887,929)(887,929)00009,804,096#NUM!359,410,795832,845,98525007,124,5055,150,2450000000000(923,446)(923,446)000010,427,859#NUM!384,215,086919,895,6752

24、6007,551,9765,459,2600000000000(960,384)(960,384)000011,090,468#NUM!410,674,1581,015,616,54527008,005,0945,786,8150000000000(998,799)(998,799)000011,794,312#NUM!438,895,4361,120,847,57928008,485,4006,134,0240000000000(1,038,751)(1,038,751)000012,541,922#NUM!468,993,1751,236,507,47929008,994,5246,502

25、,0650000000000(1,080,301)(1,080,301)000013,335,988#NUM!501,088,8901,363,602,15430009,534,1956,892,1890000000000(1,123,513)(1,123,513)000014,179,359#NUM!535,311,8051,503,232,912310010,106,2477,305,7210000000000(1,168,453)(1,168,453)000015,075,061#NUM!571,799,3381,656,605,400320010,712,6227,744,064000

26、0000000(1,215,192)(1,215,192)000016,026,303#NUM!610,697,6141,825,039,400330011,355,3798,208,7080000000000(1,263,799)(1,263,799)000017,036,489#NUM!652,162,0072,009,979,514340012,036,7028,701,2300000000000(1,314,351)(1,314,351)000018,109,230#NUM!696,357,7182,213,006,859350012,758,9049,223,304000000000

27、0(1,366,925)(1,366,925)000019,248,358#NUM!743,460,3842,435,851,847360013,524,4389,776,7020000000000(1,421,602)(1,421,602)000020,457,936#NUM!793,656,7362,680,408,154370014,3310,360000000000(1,47(1,47000021,74#NU847,12,9485,9053,3058,466)8,466)2,277M!45,282,747,980380015,196,05910,985,1030000000000(1,

28、537,605)(1,537,605)000023,105,952#NUM!904,137,0453,243,138,746390016,107,82211,644,2090000000000(1,599,109)(1,599,109)000024,553,813#NUM!964,856,3403,566,061,3244000012,342,86200000000000(1,663,074)000010,679,788#NUM!1,014,130,3813,904,818,7544100013,083,43300000000000(1,729,596)000011,353,837#NUM!1

29、,066,049,4334,275,415,9164200013,868,43900000000000(1,798,780)000012,069,659#NUM!1,120,761,0694,680,823,8394300014,700,54600000000000(1,870,732)000012,829,814#NUM!1,178,421,3265,124,289,4464400015,582,57800000000000(1,945,561)000013,637,017#NUM!1,239,195,1975,609,361,09345000000000000000000000000460

30、0000000000000000000000047000000000000000000000000480000000000000000000000004900000000000000000000000050000000000000000000000000510000000000000000000000005200000000000000000000000053000000000000000000000000540000000000000000000000005500000000000000000000000056000000000000000000000000570000000000000000000000005800000000000000000000000059000000000000000000000000600000000000000