与邻居们聊聊理财

云下百合 · 发表于 2007-1-10 10:37

自从我获得“2006年度浙江十大专业理财师”称号，有不少邻居问了我许多家庭财务方面的问题，但我感觉大家对理财的概念存在一些误区，这也是当前社会上的普遍看法，把理财等同于投资，认为把家中闲置的资金拿出来去投资就是理财，理财到底是个什么概念，为什么人人都需要理财，如何理财。我把和搭档一起写的关于理财的文章发上来，希望能对大家有所帮助，若有疑问欢迎共同探讨。

云下百合 · 发表于 2007-1-10 10:40

构筑家庭财富实现财务自由您想从金钱中得到什么？孩子的大学教育金？更大的房子和一部新车？退休时的一份保障？我们的一生无时无刻不触及金钱——它影响我们的各种关系，影响着我们日常活动的方式，影响着我们使美梦成真的能力，影响着一切，但真正的财务自由并不取决于您有多少钱，而是您有力量超越恐惧和担忧，驾驭财富，实现自己的人生目标。l        理财规划我们的色彩人生您可能经常在银行、证券公司或保险公司听到“理财”这个词，到底理财是什么？它包括哪些方面？我们是否需要理财？通过理财我们想达成什么目标？……..在您周围一定有这样一些人，他们有人因为事业经营成功，获得财富并不困难，但是坐拥财富后却没有真正做到财务自由，对生活始终充满着担心和困扰；还有一些人，因为收入不高就想着靠投机致富，忽略了风险，所以财富大起大落，到头来可能白忙一场，甚至大输；还有更多的人，虽然收入不高但追求高物质生活，月月花光，所以眼前日子虽然过得下去，但明天会如何，却完全茫然。其实他们都碰到了不同的财务问题。真正的个性化理财，帮我们规划的是人生计划。您是否认真思考过以下问题：１、想过什么样的生活？需要多少钱？２、有哪些人可以依靠，有哪些人需要照顾？３、眼前或未来有哪些收入来源与支出要求，如何通过计划去满足或取舍？４、我的保障体系是否能帮我转移财务风险？一连串的理财话题，就是您的人生问题。当我们确定了理财目标后，接下来应该根据对经济环境的了解选择不同的金融工具制定计划，定期检视，达成目标。

云下百合 · 发表于 2007-1-10 10:42

l        正确评估家庭财务结构和风险如果没有专业人士协助，很少有人会仔细审视自己的家庭财务，其中包括家庭经常性支出项目、收入来源、债务情况、资产结构和保障计划等。通过分析，我们可以发现其中蕴藏的财务风险，接着对各类风险进行评估，运用各类金融工具的不同属性对风险进行管理、规避或控制，最大限度的保障财务安全。 l        保险对家庭财务的重要性　　　不管您的预算编得多好、储蓄和投资的现状有多优异，计划有多完善，最好投保足够的保险，这样整个家庭的财务需求才会有保障，保险是防范家庭财务保障遭到意外打击的唯一方法。您是不是已经投保足够的汽车保险、人寿保险、长期护理保险、失能收入保险、重大疾病保险和医疗补贴保险等呢？如果没有，只要发生一两件不幸的事，您可能就被迫挪用原本留给其他用途的资金，最后，您的短期、长期目标甚至可能因为这样而乱成一团。

云下百合 · 发表于 2007-1-10 10:47

认识风险是达成财务目标的基础　　　　所有的投资都带有若干风险，最后可能把钱赔掉。即使你将钱埋在后院，也有被人发现的风险。就算没有人发现，随着时间的流逝，在通货膨胀的肆虐下，那些钱的价值会缩水，能买的东西会变少。　一年3%的通胀率也许不是什么大事，但是25年持续3%或者5％的通胀率会对100元的真实价值产生重要影响。

云下百合 · 发表于 2007-1-10 10:48

通货膨胀对100元的影响 <div align="center"><table class="MsoNormalTable" cellspacing="0" cellpadding="0" width="358" border="1" style="BORDER-RIGHT: medium none; BORDER-TOP: medium none; BORDER-LEFT: medium none; WIDTH: 268.3pt; BORDER-BOTTOM: medium none; BORDER-COLLAPSE: collapse; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0cm 5.4pt 0cm 5.4pt;"><tbody><tr style="HEIGHT: 11.35pt; mso-yfti-irow: 0; mso-yfti-firstrow: yes;"><td valign="top" width="358" colspan="4" style="BORDER-RIGHT: white 1.5pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: white 1.5pt solid; PADDING-LEFT: 5.4pt; BACKGROUND: #b3b3b3; PADDING-BOTTOM: 0cm; BORDER-LEFT: white 1.5pt solid; WIDTH: 268.3pt; PADDING-TOP: 0cm; BORDER-BOTTOM: white 1.5pt solid; HEIGHT: 11.35pt;"> </td></tr><tr style="HEIGHT: 14.2pt; mso-yfti-irow: 1;"><td width="89" style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: white 1.5pt solid; WIDTH: 66.95pt; PADDING-TOP: 0cm; BORDER-BOTTOM: white 1pt solid; HEIGHT: 14.2pt; BACKGROUND-COLOR: transparent; mso-border-top-alt: white 1.5pt; mso-border-left-alt: white 1.5pt; mso-border-bottom-alt: white .25pt; mso-border-right-alt: silver .25pt; mso-border-style-alt: solid;">通胀率</td><td width="268" colspan="3" style="BORDER-RIGHT: white 1.5pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 201.35pt; PADDING-TOP: 0cm; BORDER-BOTTOM: white 1pt solid; HEIGHT: 14.2pt; BACKGROUND-COLOR: transparent; mso-border-top-alt: white 1.5pt; mso-border-left-alt: silver .25pt; mso-border-bottom-alt: white .25pt; mso-border-right-alt: white 1.5pt; mso-border-style-alt: solid;">价值变化</td></tr><tr style="HEIGHT: 14.2pt; mso-yfti-irow: 2;"><td width="89" style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: white 1.5pt solid; WIDTH: 66.95pt; PADDING-TOP: 0cm; BORDER-BOTTOM: white 1.5pt solid; HEIGHT: 14.2pt; BACKGROUND-COLOR: transparent; mso-border-top-alt: white .25pt; mso-border-left-alt: white 1.5pt; mso-border-bottom-alt: white 1.5pt; mso-border-right-alt: silver .25pt; mso-border-style-alt: solid;"> </td><td width="89" style="BORDER-RIGHT: white 1.5pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 67pt; PADDING-TOP: 0cm; BORDER-BOTTOM: white 1.5pt solid; HEIGHT: 14.2pt; BACKGROUND-COLOR: transparent; mso-border-top-alt: solid white .25pt; mso-border-left-alt: solid silver .25pt;">1 年</td><td width="89" style="BORDER-RIGHT: white 1.5pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 66.95pt; PADDING-TOP: 0cm; BORDER-BOTTOM: white 1.5pt solid; HEIGHT: 14.2pt; BACKGROUND-COLOR: transparent; mso-border-top-alt: solid white .25pt; mso-border-left-alt: solid white 1.5pt;">15 年</td><td width="90" style="BORDER-RIGHT: white 1.5pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 67.4pt; PADDING-TOP: 0cm; BORDER-BOTTOM: white 1.5pt solid; HEIGHT: 14.2pt; BACKGROUND-COLOR: transparent; mso-border-top-alt: solid white .25pt; mso-border-left-alt: solid white 1.5pt;">25 年</td></tr><tr style="HEIGHT: 19.85pt; mso-yfti-irow: 3;"><td width="89" style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; BACKGROUND: #ffffcc; PADDING-BOTTOM: 0cm; BORDER-LEFT: white 1.5pt solid; WIDTH: 66.95pt; PADDING-TOP: 0cm; BORDER-BOTTOM: white 1.5pt solid; HEIGHT: 19.85pt; mso-border-alt: solid white 1.5pt; mso-border-top-alt: solid white 1.5pt; mso-border-right-alt: solid silver .25pt;">3%</td><td width="89" style="BORDER-RIGHT: white 1.5pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; BACKGROUND: #ffffcc; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 67pt; PADDING-TOP: 0cm; BORDER-BOTTOM: white 1.5pt solid; HEIGHT: 19.85pt; mso-border-top-alt: solid white 1.5pt; mso-border-left-alt: solid silver .25pt;">97</td><td width="89" style="BORDER-RIGHT: white 1.5pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; BACKGROUND: #ffffcc; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 66.95pt; PADDING-TOP: 0cm; BORDER-BOTTOM: white 1.5pt solid; HEIGHT: 19.85pt; mso-border-top-alt: solid white 1.5pt; mso-border-left-alt: solid white 1.5pt;">64</td><td width="90" style="BORDER-RIGHT: white 1.5pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; BACKGROUND: #ffffcc; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 67.4pt; PADDING-TOP: 0cm; BORDER-BOTTOM: white 1.5pt solid; HEIGHT: 19.85pt; mso-border-top-alt: solid white 1.5pt; mso-border-left-alt: solid white 1.5pt;"><oval id="_x0000_s1026" strokecolor="#f60" filled="f" style="MARGIN-TOP: 20.25pt; Z-INDEX: 1; LEFT: 0px; MARGIN-LEFT: 17.2pt; WIDTH: 36pt; POSITION: absolute; HEIGHT: 21.8pt; TEXT-ALIGN: left; mso-position-horizontal-relative: text; mso-position-vertical-relative: text;"><anchorlock></anchorlock></oval>48</td></tr><tr style="HEIGHT: 19.85pt; mso-yfti-irow: 4; mso-yfti-lastrow: yes;"><td width="89" style="BORDER-RIGHT: silver 1pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; BACKGROUND: #e0e0e0; PADDING-BOTTOM: 0cm; BORDER-LEFT: white 1.5pt solid; WIDTH: 66.95pt; PADDING-TOP: 0cm; BORDER-BOTTOM: white 1.5pt solid; HEIGHT: 19.85pt; mso-border-alt: solid white 1.5pt; mso-border-top-alt: solid white 1.5pt; mso-border-right-alt: solid silver .25pt;">5%</td><td width="89" style="BORDER-RIGHT: white 1.5pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; BACKGROUND: #e0e0e0; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 67pt; PADDING-TOP: 0cm; BORDER-BOTTOM: white 1.5pt solid; HEIGHT: 19.85pt; mso-border-top-alt: solid white 1.5pt; mso-border-left-alt: solid silver .25pt;">95</td><td width="89" style="BORDER-RIGHT: white 1.5pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; BACKGROUND: #e0e0e0; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 66.95pt; PADDING-TOP: 0cm; BORDER-BOTTOM: white 1.5pt solid; HEIGHT: 19.85pt; mso-border-top-alt: solid white 1.5pt; mso-border-left-alt: solid white 1.5pt;">48</td><td width="90" style="BORDER-RIGHT: white 1.5pt solid; PADDING-RIGHT: 5.4pt; BORDER-TOP: #ece9d8; PADDING-LEFT: 5.4pt; BACKGROUND: #e0e0e0; PADDING-BOTTOM: 0cm; BORDER-LEFT: #ece9d8; WIDTH: 67.4pt; PADDING-TOP: 0cm; BORDER-BOTTOM: white 1.5pt solid; HEIGHT: 19.85pt; mso-border-top-alt: solid white 1.5pt; mso-border-left-alt: solid white 1.5pt;">30</td></tr></tbody></table></div> 3%和5%是假设的情况。

云下百合 · 发表于 2007-1-10 10:49

与1979年13%的高通胀率相比，以上的数字还算温和，但是这说明即使是很低的通胀率也会造成严重损失。通货膨胀对于大众一视同仁，不论我们身处哪个阶层，物价对于我们来说都会持续上涨。除了通涨风险，我们在投资时要面临其他三类风险：市场风险、利率风险和信用风险。既然财务风险无法回避，我们只有面对。所以你必须确定自己的风险忍受程度，理财师可以通过专门的分析问卷，帮助你了解自己的风险忍受属于何类水平。

云下百合 · 发表于 2007-1-10 10:50

l        管理你的投资　　　　你应该定期回顾投资计划。每半年详细检查一次，确定你的资产组合仍然符合你的投资目标、风险忍受度和投资时限。为避免计划失去时效性，需要重新检查所有的目标和策略，下表是一个完整的财务规划清单可以帮助你，当然你也可以考虑找个理财顾问来帮你。

[此贴子已经被作者于2007-1-10 10:51:29编辑过]

云下百合 · 发表于 2007-1-10 10:53

<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">1.<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">你是不是已经编订了一份完整的预算？<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">2.<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">你的紧急备用基金够不够用？<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">3.<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">你有没有积极还债？<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">4.<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">你有没有重整高利率的负债？<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">5.<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">你是不是已经了解自己的投资目标和风险承受度？<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">6.<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">你的资产配置符不符合以上的投资需求？

云下百合 · 发表于 2007-1-10 10:56

<span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">7.<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">如果不符合，有没有拟定重新调整资产配置的计划？<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">8.<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">你有没有计算过退休储蓄目标及制定详细的计划？<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">9.<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">你有没有为孩子建立独立的教育金账户？<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">10.<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">你有没有为自己所爱的人筹备长期的保障计划？<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">11.<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">你有没有投保足够的寿险和健康险？<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span lang="EN-US" style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">12.<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">你有没有每年至少一次和理财顾问会谈一次？<span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 10.5pt; FONT-FAMILY: 楷体_GB2312; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">        如果你愿意用严肃的态度来处理金钱，总有一天，你将会用一种骄傲、满足又有成就感的心态来赞赏现在的自己。

[此贴子已经被作者于2007-1-10 10:57:28编辑过]

云下百合 · 发表于 2007-1-10 10:56

l        理财师的角色<p style="BACKGROUND: white; MARGIN: 0cm 0cm 0pt 11.35pt; TEXT-INDENT: 21pt; mso-char-indent-count: 2.0; mso-para-margin-left: 1.08gd; mso-para-margin-top: 0cm; mso-para-margin-right: 0cm; mso-para-margin-bottom: .0001pt;">理财规划（ Financial Planning）通过测算客户财产规模、生活质量、预期收益目标和真实风险偏好，有机组合存款、保险、证券和房地产等多种理财工具，实现既定风险下的收益最优。 
     “理财规划师”，即是利用自己的专业理财知识为个人提供理财规划服务的金融业专业人员。目前国内还没有专门的理财规划师，从事理财规划的专业人士散见于保险、银行、证券等金融行业。同其他理财顾问提供具体投资建议或售卖金融产品不同，理财师提供的是总体的理财战略与方案，侧重的是度身定做，作用在于使投资者不至于因外界误导而偏离符合自身特点与需要的预设理财目标。简单地说：没有规划的理财，就像没有地图的旅行，随时都会出现南辕北辙的错误。

xiaomimi · 发表于 2007-1-10 12:44

[em17][em17][em17]

都市童话 · 发表于 2007-1-10 13:40

[em17][em17][em17]谢百合，回去好好学习！[em23][em23][em23]

hzg0421 · 发表于 2007-1-10 14:13

确实是这个理.居安思危才能防范突发事件.报上曾介绍过,安徽还是哪里记不得了.某人在无任何外债且拥有两套房,一台车及若干存款,在当地被当作大款的情况下,家人突发一疑难大病,不久便沦落为借居于姐姐家的穷光蛋,想想确实有些可怕滴!谢谢云下百合![em23][em23][em23][em23]

风雨人生 · 发表于 2007-1-10 14:44

<div class="msgheader">QUOTE:</div><div class="msgborder">以下是引用都市童话在2007-1-10 13:40:00的发言： [em17][em17][em17]谢百合，回去好好学习！[em23][em23][em23]</div>[em17][em23][em24]

cqhhyxm828 · 发表于 2007-1-11 14:56

谢百合!

coolboy · 发表于 2007-1-11 20:39

谢谢百合!

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