全方位理財(cái)規(guī)劃報(bào)告書-資料下載頁
2025-08-03 09:58本頁面
【正文】 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) 保險產(chǎn)品配置計(jì)劃建議應(yīng)加保險種被保險人應(yīng)加保保額建議保險公司需繳費(fèi)期預(yù)估保費(fèi)受益人定期壽險林天賜$277,282 新華人壽定期壽險15 $2,080 孟成真 孟成真$0 新華人壽定期壽險15 $0 林天賜住院醫(yī)療險林天賜$200,000 友邦住院醫(yī)療保險1 $6,240 林天賜 孟成真$200,000 友邦住院醫(yī)療保險1 $5,200 孟成真意外險林天賜$1,554,564 平安意外傷害保險1 $2,798 孟成真 孟成真$0 平安意外傷害保險1 $0 林天賜終身壽險林天賜$134,056 國壽祥瑞終身壽險15 $8,714 孟成真 孟成真$7,675 國壽祥瑞終身壽險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值投資金額$1,000,000$1,000,0002. 資產(chǎn)配置動態(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。應(yīng)準(zhǔn)備三個月支出的緊急預(yù)備金配置在活存或現(xiàn)金，不足者最好在未來一年內(nèi)補(bǔ)齊。原有部位債券比重過高?%?因此第1年換房時變現(xiàn)部分債券,買入股票型基金。因?yàn)橐荒旰筮€會重新做一次理財(cái)計(jì)劃，因此第二年后的調(diào)整僅當(dāng)作參考。金融資產(chǎn)當(dāng)前配置第1年配置第2年配置第3年配置第4年配置凈現(xiàn)金流量 $45,050 $57,749 ($102,636)$29,310 活存現(xiàn)金緊急預(yù)備金額$20,000 $37,575 $37,575 $37,575 $37,575 其他貨幣資產(chǎn)余額$380,000 $499,146 $527,757 $476,907 $491,429 債券余額$400,000 $278,761 $294,740 $266,341 $274,451 股票余額$200,000 $229,568 $242,727 $219,340 $226,018 當(dāng)期金融資產(chǎn)總額$1,000,000 $1,045,050 $1,102,799 $1,000,163 $1,029,473 九、就所建議的投資產(chǎn)品，告知客戶可能的風(fēng)險1) 流動性風(fēng)險: 急需變現(xiàn)時可能的損失2) 市場風(fēng)險: 市場價格可能不漲反跌3) 信用風(fēng)險: 個別標(biāo)的的特殊風(fēng)險4) 就預(yù)估的投資報(bào)酬率，提出說明: %5) 估計(jì)平均報(bào)酬率的依據(jù):依據(jù)風(fēng)險屬性分析表與內(nèi)部報(bào)酬率法6) 預(yù)估最高報(bào)酬率與最低報(bào)酬率的范圍: 16%到3%7) 過去的績效并不能代表未來的趨勢九、定期檢討的安排金融理財(cái)師的職責(zé)是準(zhǔn)確評估客戶的財(cái)務(wù)需求，并在此基礎(chǔ)上為您提供高質(zhì)量的財(cái)務(wù)建議和長期的定期檢討服務(wù)。客戶如果有任何疑問，歡迎隨時向金融理財(cái)師進(jìn)行咨詢。根據(jù)客戶的情況，建議一年定期檢討一次。暫時預(yù)約2010年1月初為下次檢討日期，屆時若家庭事業(yè)有重大變化，需要重新制作理財(cái)規(guī)劃報(bào)告書的情況。16 / 1
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