個人理財規(guī)劃報告理論探討(文件)
【正文】 萬元按揭120萬元的房貸，原有的房屋可以出租增加收入向銀行增加120萬元的房貸為期6年2016－2018年子女出國留學3年根據通貨膨脹率，3年學費為126萬元從年收入和投資收益中積累教育基金實現學費是剛性的，每年支付的優(yōu)先順序應先于應酬支出等次要支出2023年換車當年價值150萬元從歷年積累的盈余中支付養(yǎng)車費用隨通貨膨脹率而增長,列入年度支出2018年提取子女創(chuàng)業(yè)基金當年300萬元從上年或歷年積累的盈余中支付子女回國之后，為其準備創(chuàng)業(yè)基金，支持子女創(chuàng)業(yè)2006132023年準備養(yǎng)老金10年儲備養(yǎng)老金360萬元對歷年的盈余加以積累要堅持每年盈余的投資策略第八部分 理財規(guī)劃方案未來現金流評估一、未來現金流評估年份年齡工作收入理財收入總收入生活支出理財支出總支出總資產凈資產201340830,000265,0041,095,004193,500116,000309,5009,733,6558,533,655201441871,500287,8041,159,304201,240119,330320,57010,964,9189,801,668201542915,075312,5301,227,605646,110122,760768,87011,885,89510,761,508201643960,829339,3411,300,170674,160126,293800,45312,902,10411,818,8142017441,008,871368,4071,377,278703,441129,932833,37314,021,65012,981,8212018451,059,315399,9121,459,227235,423133,680369,10315,274,88914,281,0202019461,112,280434,0541,546,334244,840137,540382,38017,150,59716,205,3302020471,167,894471,0471,638,941254,634141,516396,15019,208,27418,314,4052021481,226,289511,1201,737,409264,819145,611410,43021,462,92620,623,4102022491,287,604554,5211,842,125275,412149,829425,24123,930,80623,148,7682023501,351,984601,5161,953,500286,428154,174440,60226,629,51125,908,256202451649,930661,8721,311,802297,885158,649456,53428,817,91428,160,937202552682,427727,5531,409,980309,800163,258473,05831,200,98030,611,977202653716,548799,0251,515,573322,192168,006490,19833,795,37633,278,255202754752,375876,7961,629,171335,080172,896507,97636,619,23936,178,134202855976,188976,1889,0059,00539,434,48039,073,7612029561,082,2481,082,2489,3659,36542,485,21342,103,7532030571,197,2401,197,2409,7409,74045,793,37245,389,9782031581,321,9501,321,95010,12910,12949,381,17148,954,5822032591,457,2361,457,23610,53410,53453,272,80752,821,6892033601,604,0311,604,03110,95610,95657,494,62957,017,5722034611,763,3511,763,35111,39411,39462,075,34061,570,8522035621,936,3061,936,30611,85011,85067,046,20166,512,7052036632,124,1022,124,10212,32412,32472,441,26171,877,0892037642,328,0582,328,05812,81712,81778,297,60677,700,9942038652,549,6072,549,60713,32913,32984,655,62984,024,7122039662,790,3142,790,31413,86213,86291,559,32690,892,1312040673,051,8833,051,88314,41714,41799,056,61798,351,0582041683,336,1713,336,17114,99414,994107,199,699106,453,5702042693,645,2043,645,20415,59315,593116,045,434115,256,4032043703,981,1893,981,18916,21716,217125,655,755124,821,3552044714,346,5314,346,53116,86616,866136,098,129135,215,7512045724,743,8534,743,85317,54017,540147,446,050146,512,9352046735,176,0145,176,01418,24218,242159,779,580158,792,8112047745,646,1295,646,12918,97218,972173,185,935172,142,4272048756,157,5946,157,59419,73119,731187,760,132186,656,6222049766,714,1126,714,11220,52020,520203,605,681202,438,7192050777,319,7207,319,72021,34121,341220,835,356219,601,2942051787,978,8197,978,81922,19422,194239,572,020238,266,9992052798,696,2058,696,20523,08223,082259,949,530258,569,4702053809,477,1079,477,10724,00524,005282,113,729280,654,31620548110,327,22510
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