【正文】 0)$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)($79,197)($39,599)($45,492)$157,589 $2,557,751 15$524,326 $106,171 $20,855 ($164,600)($415,786)$0 ($81,635)($83,157)($41,579)($45,492)($180,895)$2,538,519 16$18,505 $46,485 $0 ($162,242)($436,575)$0 $0 ($87,315)($43,657)$0 ($664,799)$2,034,168 17$19,430 $48,228 $0 ($169,056)$0 $0 $0 ($91,681)($45,840)$0 ($238,918)$1,923,820 18$20,402 $50,058 $0 ($176,156)$0 $0 $0 ($96,265)($48,132)$0 ($250,093)$1,795,322 19$21,422 $51,980 $0 ($183,555)$0 $0 $0 $0 ($50,539)$0 ($160,692)$1,748,104 20$22,493 $53,998 $0 ($191,264)$0 $0 $0 $0 ($53,066)$0 ($167,840)$1,690,754 21$23,618 $56,116 $0 ($199,297)$0 $0 $0 $0 ($55,719)$0 ($175,283)$1,622,336 22$24,799 $58,340 $0 ($207,668)$0 $0 $0 $0 ($58,505)$0 ($183,034)$1,541,842 23$26,039 $60,676 $0 ($216,390)$0 $0 $0 $0 ($61,430)$0 ($191,106)$1,448,189 24$27,340 $63,128 $0 ($225,478)$0 $0 $0 $0 ($64,502)$0 ($199,511)$1,340,210 25$28,708 $65,704 $0 ($234,948)$0 $0 $0 $0 ($67,727)$0 ($208,264)$1,216,654 26$30,143 $68,407 $0 ($244,816)$0 $0 $0 $0 ($71,113)$0 ($217,379)$1,076,174 27$31,650 $71,246 $0 ($255,098)$0 $0 $0 $0 $0 $0 ($152,202)$991,992 28$33,233 $74,227 $0 ($265,813)$0 $0 $0 $0 $0 $0 ($158,353)$896,338 29$34,894 $77,357 $0 ($276,977)$0 $0 $0 $0 $0 $0 ($164,725)$788,266 30$36,639 $80,644 $0 ($288,610)$0 $0 $0 $0 $0 $0 ($171,327)$666,762 31$38,471 $84,095 $0 ($300,731)$0 $0 $0 $0 $0 $0 ($178,166)$530,739 32$40,394 $87,718 $0 ($313,362)$0 $0 $0 $0 $0 $0 ($185,250)$379,034 33$42,414 $91,522 $0 ($326,523)$0 $0 $0 $0 $0 $0 ($192,587)$210,404 34$44,535 $95,517 $0 ($340,237)$0 $0 $0 $0 $0 $0 ($200,185)$23,518 35$46,762 $99,712 $0 ($354,527)$0 $0 $0 $0 $0 $634,056 $426,002 $451,007 36$0 $104,116 $0 ($158,322)$0 $0 $0 $0 $0 $0 ($54,206)$425,307 37$0 $108,740 $0 ($164,971)$0 $0 $0 $0 $0 $0 ($56,231)$395,957 38$0 $113,596 $0 ($171,900)$0 $0 $0 $0 $0 $0 ($58,304)$362,680 39$0 $118,694 $0 ($179,120)$0 $0 $0 $0 $0 $0 ($60,426)$325,178 40$0 $124,048 $0 ($186,643)$0 $0 $0 $0 $0 $0 ($62,595)$283,135 41$0 $129,669 $0 ($194,482)$0 $0 $0 $0 $0 $0 ($64,813)$236,218 42$0 $135,571 $0 ($202,650)$0 $0 $0 $0 $0 $0 ($67,079)$184,068 43$0 $141,768 $0 ($211,161)$0 $0 $0 $0 $0 $0 ($69,394)$126,309 44$0 $148,275 $0 ($220,030)$0 $0 $0 $0 $0 $0 ($71,755)$62,537 45$0 $155,107 $0 ($229,271)$0 $0 $0 $0 $0 $7,675 ($66,489)$0 　 　　 IRR=%八、金融產(chǎn)品配置計(jì)劃一) 保險(xiǎn)產(chǎn)品配置計(jì)劃建議應(yīng)加保險(xiǎn)種被保險(xiǎn)人應(yīng)加保保額建議保險(xiǎn)公司需繳費(fèi)期預(yù)估保費(fèi)受益人定期壽險(xiǎn)林天賜$277,282 新華人壽定期壽險(xiǎn)15 $2,080 孟成真　孟成真$0 新華人壽定期壽險(xiǎn)15 $0 林天賜住院醫(yī)療險(xiǎn)林天賜$200,000 友邦住院醫(yī)療保險(xiǎn)1 $6,240 林天賜　孟成真$200,000 友邦住院醫(yī)療保險(xiǎn)1 $5,200 孟成真意外險(xiǎn)林天賜$1,554,564 平安意外傷害保險(xiǎn)1 $2,798 孟成真　孟成真$0 平安意外傷害保險(xiǎn)1 $0 林天賜終身壽險(xiǎn)林天賜$134,056 國壽祥瑞終身壽險(xiǎn)15 $8,714 孟成真　孟成真$7,675 國壽祥瑞終身壽險(xiǎn)15 $461 林天賜二) 投資產(chǎn)品配置計(jì)劃1. 投資產(chǎn)品組合建議:投資產(chǎn)品已投資額建議投資額建議基金1建議基金2建議基金3貨幣(含活存定存貨幣基金)$400,000$495,443華夏現(xiàn)金增利南方現(xiàn)金增利博時(shí)現(xiàn)金收益?zhèn)?400,000$276,693長盛中信全債嘉實(shí)債券融通債券股票$200,000$227,865景順長城內(nèi)需上投摩根中國富國天益價(jià)值投資金額$1,000,000$1,000,0002. 資產(chǎn)配置動(dòng)態(tài)調(diào)整分析:換房以后每月的凈現(xiàn)金流量，建議其中的23%以定期定額的方式投資股票型基金，另外28%投資債券型基金，49%投資存款或貨幣型基金。16 / 1