【文章內(nèi)容簡(jiǎn)介】 00%醫(yī)療保健$0$0$0$0%消費(fèi)支出$130,000$112,000$48,000$290,000%車貸利息$0$0$0$0%公積金貸款利息$0$0$0$0%自用房貸利息$0$0$0$0%投資房貸利息$0$0$0$0%其它利息$0$0$0$0%保障型保費(fèi)$0$10,000$10,000$20,000%理財(cái)支出$0$10,000$10,000$20,000%支出合計(jì)$130,000$122,000$58,000$310,000%第六章 緊急預(yù)備金籌劃 一般對(duì)于普通家庭而言需要預(yù)留出36個(gè)月的家庭正常生活日用支出款項(xiàng)，以來(lái)應(yīng)對(duì)當(dāng)家庭發(fā)生突變、意外災(zāi)難或短期失業(yè)等無(wú)法預(yù)知的突發(fā)狀況時(shí)，生活可能會(huì)陷入的窘困境地，以避免因外在的因素而使得原本正常安寧的生活一下子被打破，甚至難以維持生計(jì)，雪上加霜。根據(jù)我們?cè)诘谖宀糠旨彝ヘ?cái)務(wù)現(xiàn)狀分析，資產(chǎn)負(fù)債表所羅列的數(shù)據(jù)可以推算的出羅先生家的所需預(yù)留的緊急預(yù)備金為77500元，按三個(gè)月的月家庭支出費(fèi)用來(lái)計(jì)。以下表格列出具體緊急備用金可以存在的形式：產(chǎn)品名稱活期一天通知存款七天通知存款超短期靈通快線華泰保險(xiǎn)理財(cái)1號(hào)貨幣基金流動(dòng)性T+0T+1T+7自動(dòng)投資：T+0主動(dòng)投資：T+1T+1資金到賬13:30后T+2收益性%（稅前）%（稅前）%（稅前）預(yù)期2%預(yù)期3%4%稅后一年期定期存款利率銷售渠道銀行銀行銀行工行工行及華泰保險(xiǎn)公司銀行及證券公司交易時(shí)間全天全天全天工作日9:0015:30工作日9:0015:00工作日9:0015:00收益分配方式按季結(jié)息//按季分紅按月分紅按月分紅首筆購(gòu)買最低金額0元50000元50000元50000元5000元5000元交易級(jí)差1000元1000元1000元賬戶最低保留份額0元50000元50000元1000元500元1000元賬戶最高份額1000萬(wàn)份/////投資方式主動(dòng)購(gòu)買主動(dòng)購(gòu)買主動(dòng)購(gòu)買一、自動(dòng)購(gòu)買：類似協(xié)議存款二、主動(dòng)購(gòu)買主動(dòng)購(gòu)買主動(dòng)購(gòu)買第七章 退休養(yǎng)老金規(guī)劃退休養(yǎng)老金計(jì)算及養(yǎng)老金缺口試算表：項(xiàng)目本人配偶參數(shù)設(shè)置本人配偶當(dāng)前月繳費(fèi)工資基準(zhǔn)$7,392FALSE當(dāng)前年齡4242月繳養(yǎng)老保險(xiǎn)保費(fèi)$591$0稅前月工資$70,000$0退休時(shí)指數(shù)化月平均工資$10,567$0社會(huì)平均工資$2,464$2,464退休時(shí)社會(huì)平均工資$4,561$4,561最高提繳工資倍數(shù)33平均基礎(chǔ)養(yǎng)老金基準(zhǔn)$7,564$2,280養(yǎng)老保險(xiǎn)費(fèi)提繳率%%退休時(shí)繳費(fèi)年資288個(gè)人工資成長(zhǎng)率%%領(lǐng)取繳費(fèi)年資比率%%社平工資成長(zhǎng)率%%每月可領(lǐng)取基礎(chǔ)養(yǎng)老金額$2,118$182擬退休年齡5050社保養(yǎng)老金實(shí)質(zhì)報(bào)酬率%%社保養(yǎng)老金投資報(bào)酬率%%退休時(shí)養(yǎng)老金賬戶累計(jì)額$94,271$0退休生活費(fèi)用成長(zhǎng)率%%養(yǎng)老金帳戶可領(lǐng)取月金額$483$0企業(yè)年金提繳率%%可領(lǐng)取月養(yǎng)老金總額$2,601$182企業(yè)相對(duì)提繳率%%可領(lǐng)取年社保養(yǎng)老金總額$31,215$2,189當(dāng)前繳費(fèi)年資200每月提繳至企業(yè)年金賬戶額$0$0每繳費(fèi)年資領(lǐng)取率%%到退休時(shí)可累積年金賬戶額$0$0當(dāng)前養(yǎng)老金帳戶余額$0$0每年可領(lǐng)取企業(yè)年金金額$0$0依退休年齡可領(lǐng)養(yǎng)老金月數(shù)195195可領(lǐng)取供養(yǎng)老用的年金總額$31,215$2,189當(dāng)前企業(yè)年金賬戶累積額$0$0期望退休后的生活費(fèi)現(xiàn)值$120,000$120,000預(yù)計(jì)終老年齡8085退休后首年生活費(fèi)終值$164,228$164,228退休前一年可支配收入$1,604,090$0養(yǎng)老與企業(yè)年金年缺口金額$133,013$162,039養(yǎng)老與企業(yè)年金收入替代率%養(yǎng)老與企業(yè)年金總?cè)笨诮痤~$3,485,317$4,842,427養(yǎng)老年金社平工資替代率%%退休后自行投資的報(bào)酬率%%企業(yè)年金的投資報(bào)酬率%%退休年齡40414243444546474849505152535455計(jì)發(fā)月數(shù)233230226223220216212208204199195190185180175170退休年齡565758596061626364656667686970計(jì)發(fā)月數(shù)1641581521451391321251171091019384756556總結(jié)：由上表可以看出羅先生退休后可領(lǐng)取的社會(huì)養(yǎng)老保險(xiǎn)金每月2601元，替代到時(shí)（羅先生退休首年）%，到羅先生50歲退休那一年的社平工資為4561元。%。按羅先生現(xiàn)在的月消費(fèi)20,000元計(jì)算，到他退休時(shí)所需的首年生活費(fèi)為164,228元，該年的養(yǎng)老年金缺口金額為133,013元。則到羅先生退休那年其所需養(yǎng)老金總?cè)笨跒?,485,317元。同理，可以得出羅太太在退休那一年對(duì)于養(yǎng)老金的缺口總額為4,842,427元。第八章 子女教育金規(guī)劃一、家庭財(cái)務(wù)規(guī)劃生涯仿真表幾年后（年齡）本人收入配偶收入家計(jì)支出學(xué)費(fèi)支出國(guó)外旅游保險(xiǎn)流量?jī)衄F(xiàn)金流量理財(cái)準(zhǔn)備期初生息資產(chǎn)$9,922,500$9,922,5001（43歲）$823,152$0($291,200)($10,500)($20,800)($94,033)$406,619$10,495,7122（44歲）$905,467$0($302,848)($11,025)($21,632)($94,033)$475,930$11,147,8583（45歲）$996,014$0($314,962)($11,576)($22,497)($94,033)$552,946$11,887,9694（46歲）$1,095,615$0($327,560)($12,155)($23,397)($94,033)$638,470$12,726,0305（47歲）$1,205,177$0($340,663)($12,763)($24,333)($94,033)$733,386$13,673,0786（48歲）$1,325,695$0($354,289)($53,604)($25,306)($94,033)$798,462$14,701,1027（49歲）$1,458,264$0($368,461)($56,284)($26,319)($94,033)$913,168$15,861,0928（50歲）$1,608,821$4,731($383,199)($59,098)($27,371)($94,033)$1,049,851$17,177,2419（51歲）$31,215$2,189($421,300)($310,266)($28,466)$0($726,628)$16,739,00810（52歲）$32,776$2,299($438,152)($325,779)($29,605)$0($758,461)$16,261,58411（53歲）$34,415$2,414($455,678)($342,068)($30,789)$0($791,707)$15,742,89912（54歲）$36,136$2,534($473,906)($359,171)($32,021)$0($826,428)$15,180,78413（55歲）$37,943$2,661($399,618)($377,130)($33,301)$0($769,446)$14,666,21514（56歲）$39,840$2,794($415,602)($395,986)($34,634)$0($803,589)$14,108,86215（57歲）$41,832$2,934($432,226)$0($36,019)$0($423,480)$13,922,26116（58歲）$43,923$3,080($449,515)$0($37,460)$0($439,972)$13,716,03617（59歲）$46,119$3,234($467,496)$0($38,958)$0($457,100)$13,489,21918（60歲）$48,425$3,396($486,196)$0($40,516)$0($474,891)$13,240,80319（61歲）$50,847$3,566($505,644)$0($42,137)$0($493,368)$12,969,73920（62歲）$53,389$3,744($525,870)$0($43,822)$0($512,559)$12,674,93421（63歲）$56,058$3,931($546,904)$0($45,575)$0($532,490)$12,355,24822（64歲）$58,861$4,128($568,781)$0($47,398)$0($553,190)$12,009,49523（65歲）$61,804$4,334($591,532)$0($49,294)$0($574,687)$11,636,44024（66歲）$64,895$4,551($615,193)$0($51,266)$0($597,013)$11,234,79525（67歲）$68,139$4,779($639,801)$0($53,317)$0($620,200)$10,803,22026（68歲）$71,546$5,018($665,393)$0($55,449)$0($644,278)$10,340,32127（69歲）$75,124$5,268($692,008)$0($57,667)$0($669,284)$9,844,64528（70歲）$78,880$5,532($719,689)$0($59,974)$0($695,251)$9,314,67929（71歲）$82,824$5,808($748,476)$0($62,373)$0($722