全方位理財(cái)規(guī)劃報(bào)告書-全文預(yù)覽
【正文】 $0 $0 $0 ($53,066)$0 ($199,452)$2,213,700 21$23,618 $56,116 $0 ($234,021)$0 $0 $0 $0 ($55,719)$0 ($210,006)$2,174,659 22$24,799 $58,340 $0 ($245,722)$0 $0 $0 $0 ($58,505)$0 ($221,088)$2,121,521 23$26,039 $60,676 $0 ($258,008)$0 $0 $0 $0 ($61,430)$0 ($232,724)$2,052,643 24$27,340 $63,128 $0 ($270,908)$0 $0 $0 $0 ($64,502)$0 ($244,941)$1,966,228 25$28,708 $65,704 $0 ($284,454)$0 $0 $0 $0 ($67,727)$0 ($257,770)$1,860,311 26$30,143 $68,407 $0 ($298,677)$0 $0 $0 $0 ($71,113)$0 ($271,240)$1,732,744 27$31,650 $71,246 $0 ($313,610)$0 $0 $0 $0 $0 $0 ($210,714)$1,655,851 28$33,233 $74,227 $0 ($329,291)$0 $0 $0 $0 $0 $0 ($221,831)$1,561,902 29$34,894 $77,357 $0 ($345,755)$0 $0 $0 $0 $0 $0 ($233,504)$1,449,024 30$36,639 $80,644 $0 ($363,043)$0 $0 $0 $0 $0 $0 ($245,761)$1,315,172 31$38,471 $84,095 $0 ($381,195)$0 $0 $0 $0 $0 $0 ($258,630)$1,158,114 32$40,394 $87,718 $0 ($400,255)$0 $0 $0 $0 $0 $0 ($272,143)$975,413 33$42,414 $91,522 $0 ($420,268)$0 $0 $0 $0 $0 $0 ($286,331)$764,413 34$44,535 $95,517 $0 ($441,281)$0 $0 $0 $0 $0 $0 ($301,229)$522,219 35$46,762 $99,712 $0 ($463,345)$0 $0 $0 $0 $0 $634,056 $317,184 $879,735 36$0 $104,116 $0 ($208,505)$0 $0 $0 $0 $0 $0 ($104,390)$843,288 37$0 $108,740 $0 ($218,931)$0 $0 $0 $0 $0 $0 ($110,190)$798,225 38$0 $113,596 $0 ($229,877)$0 $0 $0 $0 $0 $0 ($116,281)$743,591 39$0 $118,694 $0 ($241,371)$0 $0 $0 $0 $0 $0 ($122,677)$678,342 40$0 $124,048 $0 ($253,440)$0 $0 $0 $0 $0 $0 ($129,392)$601,338 41$0 $129,669 $0 ($266,112)$0 $0 $0 $0 $0 $0 ($136,443)$511,337 42$0 $135,571 $0 ($279,417)$0 $0 $0 $0 $0 $0 ($143,847)$406,981 43$0 $141,768 $0 ($293,388)$0 $0 $0 $0 $0 $0 ($151,620)$286,792 44$0 $148,275 $0 ($308,057)$0 $0 $0 $0 $0 $0 ($159,783)$149,159 45$0 $155,107 $0 ($323,460)$0 $0 $0 $0 $0 $7,675 ($160,678)($0) IRR=% 說明:1. 退休前的凈現(xiàn)金流量沒有缺口,退休后的養(yǎng)老金不足以支應(yīng)生活支出?會產(chǎn)生現(xiàn)金流量缺口?要變現(xiàn)理財(cái)準(zhǔn)備金來補(bǔ)足。當(dāng)林先生80歲終老時(shí)634,056元的保險(xiǎn)金也納入表中的保險(xiǎn)流量欄。當(dāng)林先生夫妻終老時(shí)的終身壽險(xiǎn)保險(xiǎn)金給付也納入表中的保險(xiǎn)流量欄。 降低退休前與退休后的生活水平與國外旅游費(fèi)用各10%,%。3) 收入成長率由5%提高到10%，%。最后仍建議客戶以股票23%,債券28% 貨幣49%的資產(chǎn)配置, 2. 調(diào)整后幾年后本人收入配偶收入住房公積金家計(jì)支出學(xué)費(fèi)支出購車換車購房換房孝養(yǎng)尊親屬國外旅游保險(xiǎn)流量凈現(xiàn)金流量理財(cái)準(zhǔn)備期初生息資產(chǎn) $954,425 $954,425 1$264,821 $53,624 $34,760 ($115,662)($21,000)$0 ($105,000)$0 ($21,000)($45,492)$45,050 $1,059,800 2$278,062 $56,305 $15,129 ($120,520)($22,050)$0 ($81,635)$0 ($22,050)($45,492)$57,749 $1,184,533 3$291,965 $59,120 $15,507 ($125,582)($23,153)($123,909)($81,635)($46,305)($23,153)($45,492)($102,636)$1,156,766 4$306,563 $62,076 $15,895 ($130,856)($24,310)$0 ($81,635)($48,620)($24,310)($45,492)$29,310 $1,259,190 5$321,891 $65,180 $16,292 ($136,352)($25,526)$0 ($81,635)($51,051)($25,526)($45,492)$37,782 $1,376,559 6$337,986 $68,439 $16,700 ($142,079)($26,802)$0 ($81,635)($53,604)($26,802)($45,492)$46,711 $1,510,275 7$354,885 $71,861 $17,117 ($148,046)($42,213)$0 ($81,635)($56,284)($28,142)($45,492)$42,051 $1,647,783 8$372,629 $75,454 $17,545 ($154,264)($44,324)$0 ($81,635)($59,098)($29,549)($45,492)$51,266 $1,803,198 9$391,260 $79,226 $17,984 ($160,743)($46,540)$0 ($81,635)($62,053)($31,027)($45,492)$60,981 $1,978,150 10$410,824 $83,188 $18,433 ($167,494)($48,867)$0 ($81,635)($65,156)($32,578)($45,492)$71,223 $2,174,402 11$431,365 $87,347 $18,894 ($157,076)($376,275)$0 ($81,635)($68,414)($34,207)($45,492)($225,492)$2,086,344 12$452,933 $91,714 $19,366 ($163,673)($395,088)$0 ($81,635)($71,834)($35,917)($45,492)($229,626)$1,988,585 13$475,580 $96,300 $19,851 ($170,548)($37,713)$0 ($81,635)($75,426)($37,713)($45,492)$143,204 $2,257,478 14$499,359 $101,115 $20,347 ($177,711)($39,599)$0 ($81,635
高考資料相關(guān)推薦
鄂ICP備17016276號-1