【正文】 理財事務(wù)進行更好地決策，達到財務(wù)自由、決策自主與生活自在的人生目標。其中林先生收入貢獻率 55%， 高于林太太的 45% 2）無負債， 財務(wù)穩(wěn)健，可適度利用財務(wù)杠桿加速資產(chǎn)成長。 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 無風(fēng)險利率 用 投資報酬率 幾年后開始 夫收入 妻收入 夫妻 支出 子養(yǎng)育支出 贍養(yǎng)父母 出售舊 房 購 新 房 首付與房貸 子女大學(xué)費 保費支出 凈現(xiàn)金流 理財準備 理財準備 理財準備 期初現(xiàn)金流量 150,000 150,000 150,000 150,000 1 52,500 42,000 (49,920) 0 0 0 0 0 (126) 44,454 DIV/0! 200,454 207,654 2 55,125 44,100 (51,917) (10,816) (21,632) 312,120 (259,584) 0 (126) 67,270 DIV/0! 275,742 293,197 3 57,881 46,305 (53,993) (11,249) (22,497) 0 (52,807) 0 (2,926) (36,360) DIV/0! 250,411 282,638 4 60,775 48,620 (56,153) (11,699) (23,397) 0 (52,807) 0 (2,926) (34,661) DIV/0! 225,767 272,850 5 63,814 51,051 (58,399) (12,167) (24,333) 0 (52,807) 0 (2,926) (32,841) DIV/0! 201,957 264,020 6 67,005 53,604 (60,735) (12,653) (25,306) 0 (52,807) 0 (2,926) (30,894) DIV/0! 179,141 256,360 7 70,355 56,284 (63,165) (13,159) (26,319) 0 (52,807) 0 (2,926) (28,811) DIV/0! 157,496 250,108 8 73,873 59,098 (65,691) (13,686) (27,371) 0 (52,807) 0 (2,926) (26,585) DIV/0! 137,211 245,533 9 77,566 62,053 (68,319) (14,233) (28,466) 0 (52,807) 0 (2,926) (24,206) DIV/0! 118,493 242,934 10 81,445 65,156 (71,052) (14,802) (29,605) 0 (52,807) 0 (2,926) (21,666) DIV/0! 101,567 242,646 11 85,517 68,414 (73,894) (15,395) (30,789) 0 (52,807) 0 (2,926) (18,954) DIV/0! 86,676 245,045 12 89,793 71,834 (76,850) (16,010) (32,021) 0 (52,807) 0 (2,926) (16,061) DIV/0! 74,082 250,548 13 94,282 75,426 (79,924) (16,651) (33,301) 0 (52,807) 0 (2,926) (12,975) DIV/0! 64,071 259,622 14 98,997 79,197 (83,120) (17,317) (34,634) 0 (52,807) 0 (2,926) (9,684) DIV/0! 56,949 272,784 15 103,946 83,157 (86,445) (18,009) (36,019) 0 (52,807) 0 (2,926) (6,177) DIV/0! 53,050 290,612 16 109,144 87,315 (89,903) (18,730) (37,460) 0 (52,807) 0 (2,926) (2,441) DIV/0! 52,731 313,744 17 114,601 91,681 (93,499) (19,479) (38,958) 0 (52,807) 0 (2,926) 1,538 DIV/0! 56,378 342,892 18 120,331 96,265 (97,239) (20,258) (40,516) 0 (52,807) 0 (2,926) 5,775 DIV/0! 64,408 378,841 19 126,348 101,078 (101,129) (21,068) (42,137) 0 (52,807) 0 (2,926) 10,284 DIV/0! 77,268 422,463 20 132,665 106,132 (105,174) (21,911) (43,822) 0 (52,807) (26,533) (2,926) (11,451) DIV/0! 68,908 448,189