全方位理財規(guī)劃報告

1、全方位理財規(guī)劃報告書客戶：張先生與張?zhí)驄D規(guī)劃師：完成日期：2017年10月12日服務公司：順發(fā)理財規(guī)劃顧問公司尊敬的張先生客戶：非常榮幸有這個機會為您提供全方位的理財規(guī)劃服務。本理財規(guī)劃報告書是用來幫助您明確財務需求及目標，對理財事務進行更好地決策，達到財務自由、決策自主與生活自在的人生目標。本理財規(guī)劃報告書是在您提供的資料基礎上，基于通?？山邮艿募僭O、合理的估計，綜合考慮您的資產負債狀況、理財目標、現(xiàn)金收支狀況而制定的。本規(guī)劃報告書將由金融理財師直接交與客戶，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。未經客戶書面許可本公司負責的金融理財師與助理人員，不得透漏任何有關客戶的個人信息。本

2、規(guī)劃報告書收取報酬為每份1000元人民幣，報告書完成后若要由理財師協(xié)助執(zhí)行投資或保險產品，本單位根據(jù)與基金公司與保險公司簽訂的代理合同，收取代理手續(xù)費。所推薦產品與理財師個人投資沒有利益沖突狀況。一、基本狀況介紹姓名年關職業(yè)保險狀況退休計劃齡系生46本人上市公司局管，年稅后收入415萬兀。個人年支出52.3萬兀。有社會養(yǎng)老保險，無商業(yè)保險60歲退休張?zhí)?1配偶股份制銀行行長，年稅后收入300萬元。個人年支出52.3萬元。有社會養(yǎng)老保險，無商業(yè)保險55歲退休二、基本假設1）收入增長率6%,支出tf長率5%,房價tf長率4%,學費tf長率4%,退休后社保養(yǎng)老金收入替代率為40%房貸利率7%,購房

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，假設股票的平均報酬率為11%標準差為20%債券的平均報酬率為6%標準差為7%貨幣的平土報酬率為4%視為無風險利率。三、家庭財務分析家庭資產負債表基準日：2016/12/31資產金額負債凈值金額現(xiàn)金與存款4,980,000短期負債0債券與債券基金，信托產品0房屋貸款9,000,000股票與股票基金，實業(yè)投資21,500,000金融資產26,480,000房產投資24,625,000負債總額9,000,000自用房產、車23,800,000資產總額74,905,000凈值65,905,000現(xiàn)金流量表項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%家庭財務比率分析衡量指標數(shù)值合理范圍診斷分析流動資產/月支出5.353-6個月支出現(xiàn)有存款高于年支出，保持高流動性負債/資產12.02%小于60%肩負債，但財務穩(wěn)健，可適當利用財務杠桿加速資產成長年供額/收入17.92%小于40%收入較局，財務比較自由保費/收入0.

5、00%5%-15%沒有保費支出凈現(xiàn)金流量/收入-56.28%20%上收入較高，埋財規(guī)劃彈住大生息資產/總資產68.23%50%上投資資產比例合理，有利于家庭收入增加家庭財務診斷1）家庭稅后年收入7150,000元，年支出2455398元，儲蓄4694602元，儲蓄率65.66%,是一個高儲蓄率的家庭，理財規(guī)劃彈性大。其中劉先生收入貢獻率58.04%,高于劉太太的41.96%2）有負債，財務穩(wěn)健，可適度利用財務杠桿加速資產成長。3）現(xiàn)有存款高于年支出，保持高流動性。4）沒有商業(yè)保費支出，夫妻只有社保未投保商業(yè)險，保障不足。5）投資性資產（股票基金）占可運用資金三分之二，比重適當。四、客戶的理財目

6、標與風險屬性界定一）客戶的理財目標根據(jù)與客戶夫婦的溝通，認定其理財目標依照優(yōu)先級排列如下：1）三年后兒子出國上大學，大學學費每年現(xiàn)值450000元。2）三年后在兒子學校附近購買一套公寓，預計房價100萬美元。3）3）劉先生準備60歲退休，劉太太準備55歲退休。退休后實質生活水準不變，退休生活計算到85歲。二）客戶的風險屬性1 .風險承受能力年齡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事業(yè)者失業(yè)8家庭負擔未婚雙薪無子女雙薪有子女單薪有子女單薪養(yǎng)二代6置產狀況投資不動產自宅無房貸房貸50%房貸50%無

7、自宅10投資經驗10年以上610年25年1年以內無10投資知識有專業(yè)證照財金科系畢自修有心得懂一些一片空白8總分712 .風險承受態(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)差價長期利得年現(xiàn)金收益抗通膨保值保本保息8認賠動作默認停損點事后停損部分認賠持有待回升加碼攤平8賠錢心理學習經驗照常過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收益性流動性安全性10避免工具無期貨股票外匯不動產6總分903 .風險矩陣風險矩陣風險能力低能力中低能力中能力中局能力高能力風險態(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%預期報酬率5.00%5.40%6.00%6.80%8.00%標準差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%預期報酬率5.40%6.00%6.80%8.00%8.40%標準差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%預期報酬率6.00%6.80%8.00%8.40%8.80%標準差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%預期報酬率7.60%8.00%8.40%8.80%9.20%標準差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%預期報酬率8.00%8.40%8.80%9.20%9.60%標準差11.24%12.86%14.57

10、%16.34%18.15%4 .根據(jù)風險屬性的資產配置項目分數(shù)投資工具資產配置預期報酬率標準差相關系數(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最高報酬率29.94%股票80.00%10.00%20.00%0.1最低報酬率-11.54%投資組合100.00%9.20%16.20%5 .資產配置圖五.保險規(guī)劃由于本方案為已婚家庭，分別用遺屬需要法、生命價值法、最低保額需求測算壽險保額，取三者保額最高者為應有壽險保額，意外險的保額為壽險的2倍，預防因為意外發(fā)生半殘的情況。退休前彌補收入的壽險需求本人配偶被保險人當前年齡4641預計幾

11、歲退休6055離退休年數(shù)1414當前的個人年收入4,150,0003,000,000當前的個人年支出523,000523,000當前的個人年凈收入3,627,0002,477,000折現(xiàn)率（實質投資報酬率）2.00%2.00%個人未來凈收入的年金現(xiàn)值43,909,36429,987,178彌補收入應有的的壽險保額43,909,36429,987,178彌補遺屬需要的壽險需求本人配偶配偶當前年齡4146當前的家庭生活費用2,455,3982,455,398保險事故發(fā)生后支出調整率60.00%60.00%配偶的個人收入3,000,0004,150,000家庭年支出缺口(1,526,761)(2,6

12、76,761)家庭未來生活費準備年數(shù)1414家庭未來缺口的年金現(xiàn)值(18,853,018)(33,053,648)應備子女教育支出現(xiàn)值1,800,0001,800,000家庭房貸余額及其他負債9,000,0009,000,000家庭生息資產51,105,00051,105,000生息資產變現(xiàn)折扣率70.00%70.00%遺屬需要法應用的壽險保額00喪葬最終支出當前水平800,000800,000緊急預備金現(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應有壽險保額需求（3法取其高者）43,909,36429,987,178應有的意外險

13、保額保額需求87,818,72959,974,35620年繳費定期壽險費率96.9033.90應繳的年壽險保費425,482101,657應繳的年意外險保費87,81959,974年繳保費總額513,300161,631總保費占收入的百分比12.37%5.39%依據(jù)上述方法計算，算出本人應該投保4390萬元壽險，配偶應該投保3000萬元壽險，如果是交費20年的定期壽險，年繳保費分別為425482元與101657元，而意外險年繳保費分別為87819元與59974元，每年合計保費分別為513300元與161631元，會在生涯仿真表中顯現(xiàn)。六.以生涯仿真表檢驗理財目標的可行性生涯仿真表用IRR計算用

14、IRR計算用無風險利率用投資報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資費現(xiàn)財財財后開始支支子父舊首房學國后后費車金支金準準準出出女母房付貸教育留學生活生活用籌措出1流備備備費費期初現(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