全方位理财规划报告

1、全方位理财规划报告书客户：张先生与张太太夫妇规划师：完成日期：2017年10月12日服务公司：顺发理财规划顾问公司尊敬的张先生客户：非常荣幸有这个机会为您提供全方位的理财规划服务。本理财规划报告书是用来帮助您明确财务需求及目标，对理财事务进行更好地决策，达到财务自由、决策自主与生活自在的人生目标。本理财规划报告书是在您提供的资料基础上，基于通常可接受的假设、合理的估计，综合考虑您的资产负债状况、理财目标、现金收支状况而制定的。本规划报告书将由金融理财师直接交与客户，充分沟通讨论后协助客户执行规划书中的建议方案。未经客户书面许可本公司负责的金融理财师与助理人员，不得透漏任何有关客户的个人信息。本

2、规划报告书收取报酬为每份1000元人民币，报告书完成后若要由理财师协助执行投资或保险产品，本单位根据与基金公司与保险公司签订的代理合同，收取代理手续费。所推荐产品与理财师个人投资没有利益冲突状况。一、基本状况介绍姓名年关职业保险状况退休计划龄系生46本人上市公司局管，年税后收入415万兀。个人年支出52.3万兀。有社会养老保险，无商业保险60岁退休张太太41配偶股份制银行行长，年税后收入300万元。个人年支出52.3万元。有社会养老保险，无商业保险55岁退休二、基本假设1）收入增长率6%,支出tf长率5%,房价tf长率4%,学费tf长率4%,退休后社保养老金收入替代率为40%房贷利率7%,购房

3、贷款成数50%,年数20年。房屋折旧率2%。2）作投资规划时，假设股票的平均报酬率为11%标准差为20%债券的平均报酬率为6%标准差为7%货币的平土报酬率为4%视为无风险利率。三、家庭财务分析家庭资产负债表基准日：2016/12/31资产金额负债净值金额现金与存款4,980,000短期负债0债券与债券基金，信托产品0房屋贷款9,000,000股票与股票基金，实业投资21,500,000金融资产26,480,000房产投资24,625,000负债总额9,000,000自用房产、车23,800,000资产总额74,905,000净值65,905,000现金流量表项目金额比率本人收入4,150,00

4、058.04%配偶收入3,000,00041.96%现金流入总额7,150,000100.00%夫妻支出1,046,00014.63%子女支出78,0001.09%父母支出50,0000.70%保费支出00.00%贷款本息1,281,39817.92%现金支出总额2,455,39834.34%净现金流量4,694,60265.66%家庭财务比率分析衡量指标数值合理范围诊断分析流动资产/月支出5.353-6个月支出现有存款高于年支出，保持高流动性负债/资产12.02%小于60%肩负债，但财务稳健，可适当利用财务杠杆加速资产成长年供额/收入17.92%小于40%收入较局，财务比较自由保费/收入0.

5、00%5%-15%没有保费支出净现金流量/收入-56.28%20%上收入较高，埋财规划弹住大生息资产/总资产68.23%50%上投资资产比例合理，有利于家庭收入增加家庭财务诊断1）家庭税后年收入7150,000元，年支出2455398元，储蓄4694602元，储蓄率65.66%,是一个高储蓄率的家庭，理财规划弹性大。其中刘先生收入贡献率58.04%,高于刘太太的41.96%2）有负债，财务稳健，可适度利用财务杠杆加速资产成长。3）现有存款高于年支出，保持高流动性。4）没有商业保费支出，夫妻只有社保未投保商业险，保障不足。5）投资性资产（股票基金）占可运用资金三分之二，比重适当。四、客户的理财目

6、标与风险属性界定一）客户的理财目标根据与客户夫妇的沟通，认定其理财目标依照优先级排列如下：1）三年后儿子出国上大学，大学学费每年现值450000元。2）三年后在儿子学校附近购买一套公寓，预计房价100万美元。3）3）刘先生准备60岁退休，刘太太准备55岁退休。退休后实质生活水准不变，退休生活计算到85岁。二）客户的风险属性1 .风险承受能力年龄10分8分6分4分2分客户得分46总分50分，25岁以下者50分，每多一岁少1分，75岁以上者0分29就业状况公教人员上班族佣金收入者自营事业者失业8家庭负担未婚双薪无子女双薪有子女单薪有子女单薪养二代6置产状况投资不动产自宅无房贷房贷50%房贷50%无

7、自宅10投资经验10年以上610年25年1年以内无10投资知识有专业证照财金科系毕自修有心得懂一些一片空白8总分712 .风险承受态度忍受勺损10分8分6分4分2分客户得分10不能容忍任何损失0分，每增加1嘀口2分，可容忍25%得50分50首要考虑赚短现差价长期利得年现金收益抗通膨保值保本保息8认赔动作默认停损点事后停损部分认赔持有待回升加码摊平8赔钱心理学习经验照常过日子影响情绪小影响情绪大难以成眠8最重要特性获利性收益兼成长收益性流动性安全性10避免工具无期货股票外汇不动产6总分903 .风险矩阵风险矩阵风险能力低能力中低能力中能力中局能力高能力风险态度工具0-19分20-39分40-59

8、分60-79分80-100分低态度0-19分货币70%50%40%20%0%彳贝券20%40%40%50%50%股票10%10%20%30%50%预期报酬率5.00%5.40%6.00%6.80%8.00%标准差3.40%4.28%5.64%7.66%11.24%中低态度20-39分货币50%40%20%0%0%彳贝券40%40%50%50%40%股票10%20%30%50%60%预期报酬率5.40%6.00%6.80%8.00%8.40%标准差4.28%5.64%7.66%11.24%12.86%中态度40-59分货币40%20%0%0%0%彳贝券40%50%50%40%30%股票20%30

9、%50%60%70%预期报酬率6.00%6.80%8.00%8.40%8.80%标准差5.64%7.66%11.24%12.86%14.57%货币20%0%0%0%0%彳贝券30%50%40%30%20%中局态度60-79分股票50%50%60%70%80%预期报酬率7.60%8.00%8.40%8.80%9.20%标准差10.71%11.24%12.86%14.57%16.34%Wj态度80-100分货币0%0%0%0%0%彳贝券50%40%30%20%10%股票50%60%70%80%90%预期报酬率8.00%8.40%8.80%9.20%9.60%标准差11.24%12.86%14.57

10、%16.34%18.15%4 .根据风险属性的资产配置项目分数投资工具资产配置预期报酬率标准差相关系数承受能力71货币0.00%4.00%2.00%0.5承受态度90彳贝券20.00%6.00%7.00%0.2最高报酬率29.94%股票80.00%10.00%20.00%0.1最低报酬率-11.54%投资组合100.00%9.20%16.20%5 .资产配置图五.保险规划由于本方案为已婚家庭，分别用遗属需要法、生命价值法、最低保额需求测算寿险保额，取三者保额最高者为应有寿险保额，意外险的保额为寿险的2倍，预防因为意外发生半残的情况。退休前弥补收入的寿险需求本人配偶被保险人当前年龄4641预计几

11、岁退休6055离退休年数1414当前的个人年收入4,150,0003,000,000当前的个人年支出523,000523,000当前的个人年净收入3,627,0002,477,000折现率（实质投资报酬率）2.00%2.00%个人未来净收入的年金现值43,909,36429,987,178弥补收入应有的的寿险保额43,909,36429,987,178弥补遗属需要的寿险需求本人配偶配偶当前年龄4146当前的家庭生活费用2,455,3982,455,398保险事故发生后支出调整率60.00%60.00%配偶的个人收入3,000,0004,150,000家庭年支出缺口(1,526,761)(2,6

12、76,761)家庭未来生活费准备年数1414家庭未来缺口的年金现值(18,853,018)(33,053,648)应备子女教育支出现值1,800,0001,800,000家庭房贷余额及其他负债9,000,0009,000,000家庭生息资产51,105,00051,105,000生息资产变现折扣率70.00%70.00%遗属需要法应用的寿险保额00丧葬最终支出当前水平800,000800,000紧急预备金现金需求1,227,6991,227,699最低保额需求（现金需求）11,027,69911,027,699应有寿险保额需求（3法取其高者）43,909,36429,987,178应有的意外险

13、保额保额需求87,818,72959,974,35620年缴费定期寿险费率96.9033.90应缴的年寿险保费425,482101,657应缴的年意外险保费87,81959,974年缴保费总额513,300161,631总保费占收入的百分比12.37%5.39%依据上述方法计算，算出本人应该投保4390万元寿险，配偶应该投保3000万元寿险，如果是交费20年的定期寿险，年缴保费分别为425482元与101657元，而意外险年缴保费分别为87819元与59974元，每年合计保费分别为513300元与161631元，会在生涯仿真表中显现。六.以生涯仿真表检验理财目标的可行性生涯仿真表用IRR计算用

14、IRR计算用无风险利率用投资报酬率本配几年夫收入妻收入夫社保养老妻社保养老本配养赡出还旧房贷款购新子女子女人退偶退装创业保净理理理人偶育养售房房大出休休修购资费现财财财后开始支支子父旧首房学国后后费车金支金准准准出出女母房付贷教育留学生活生活用筹措出1流备备备费费期初现金流量49,877,30149,877,30149,877,30149,877,30114,3993,18000(549,(549,(81,1(52,00(1,281,398)000000000(674,4,391#NU56,2658,85,000,000150)150)20)00)931),251M!3,6447,26424,

15、6623,37000(576,(576,(84,3(54,00(1,281,398)000000000(674,4,785#NU63,2969,05,940,800608)608)65)80)931),751M!9,9417,88334,9423,57300(605,(605,0(56,20(1,281,398(3,554,5700(506,000(632,00(674,599,5#NU66,4376,01,716,048438)438)43)189)000)931)58M!1,4960,76645,239,2793,787,43100(635,710)(635,710)0(58,493)0(

16、1,281,398)0(335,526)(526,436)000000(674,931)4,878,506#NUM!73,967,26387,882,26355,553,6364,014,67700(667,495)(667,495)0(60,833)0(1,281,398)0(335,526)(547,494)000000(674,931)5,333,141#NUM!82,259,094101,300,57265,886,8544,255,55700(700,870)(700,870)0(63,266)0(1,281,398)0(335,526)(569,394)000000(674,931

17、)5,816,157#NUM!91,365,614116,436,38176,240,0664,510,89100(735,914)(735,914)0(65,797)0(1,281,398)0(335,526)000000(20,000,000)(674,931)(13,078,522)#NUM!81,941,717114,070,00686,614,4704,781,54400(772,709)(772,709)0(68,428)0(1,281,398)0(335,526)0000000(674,931)7,490,312#NUM!92,709,697132,054,75897,011,3

18、385,068,43700(811,345)(811,345)0(71,166)0(1,281,398)0(335,526)0000000(674,931)8,094,064#NUM!104,512,149152,297,861107,432,0185,372,54300(851,912)(851,912)0(74,012)000(335,526)0000000(674,931)10,016,267#NUM!118,708,903176,325,531117,877,9395,694,89600(894,507)(894,507)0(76,973)000(335,526)0000000(674

19、,931)10,696,389#NUM!134,153,648203,243,869128,350,6156,036,58900(939,233)(939,233)0(80,052)000(335,526)0000000(674,931)11,418,230#NUM!150,938,024233,360,535138,851,6526,398,78500(986,195)(986,195)0(83,254)000(335,526)0000000(674,931)12,184,337#NUM!169,159,882267,014,041149,382,7516,782,71200(1,035,5

20、04)(1,035,504)0(86,584)000(335,526)0000000(674,931)12,997,413#NUM!188,923,690304,576,74615003,978,2872,875,8700000000(335,526)00(623,847)(623,847)000(674,931)4,596,005#NUM!201,076,643337,193,81216004,216,9843,048,4220000000(335,526)00(648,801)(648,801)000(674,931)4,957,347#NUM!214,077,055373,172,990

21、17004,470,0033,231,3270000000(335,526)00(674,753)(674,753)000(674,931)5,341,367#NUM!227,981,505412,846,27218004,738,2033,425,2070000000(335,526)00(701,743)(701,743)000(674,931)5,749,467#NUM!242,850,232456,577,59519005,022,4953,630,7190000000(335,526)00(729,813)(729,813)000(674,931)6,183,132#NUM!258,

22、747,373504,765,86620005,323,8453,848,5630000000(335,526)00(759,005)(759,005)000(674,931)6,643,940#NUM!275,741,207557,848,26521005,643,2764,079,4760000000(335,526)00(789,365)(789,365)00007,808,495#NUM!294,579,351616,978,80122005,981,8724,324,2450000000(335,526)00(820,940)(820,940)00008,328,711#NUM!31

23、4,691,23682,069,566223006,340,7844,583,7000000000(335,526)00(853,777)(853,777)00008,881,403#NUM!336,160,288753,701,36424006,721,2324,858,7220000000000(887,929)(887,929)00009,804,096#NUM!359,410,795832,845,98525007,124,5055,150,2450000000000(923,446)(923,446)000010,427,859#NUM!384,215,086919,895,6752

24、6007,551,9765,459,2600000000000(960,384)(960,384)000011,090,468#NUM!410,674,1581,015,616,54527008,005,0945,786,8150000000000(998,799)(998,799)000011,794,312#NUM!438,895,4361,120,847,57928008,485,4006,134,0240000000000(1,038,751)(1,038,751)000012,541,922#NUM!468,993,1751,236,507,47929008,994,5246,502

25、,0650000000000(1,080,301)(1,080,301)000013,335,988#NUM!501,088,8901,363,602,15430009,534,1956,892,1890000000000(1,123,513)(1,123,513)000014,179,359#NUM!535,311,8051,503,232,912310010,106,2477,305,7210000000000(1,168,453)(1,168,453)000015,075,061#NUM!571,799,3381,656,605,400320010,712,6227,744,064000

26、0000000(1,215,192)(1,215,192)000016,026,303#NUM!610,697,6141,825,039,400330011,355,3798,208,7080000000000(1,263,799)(1,263,799)000017,036,489#NUM!652,162,0072,009,979,514340012,036,7028,701,2300000000000(1,314,351)(1,314,351)000018,109,230#NUM!696,357,7182,213,006,859350012,758,9049,223,304000000000

27、0(1,366,925)(1,366,925)000019,248,358#NUM!743,460,3842,435,851,847360013,524,4389,776,7020000000000(1,421,602)(1,421,602)000020,457,936#NUM!793,656,7362,680,408,154370014,3310,360000000000(1,47(1,47000021,74#NU847,12,9485,9053,3058,466)8,466)2,277M!45,282,747,980380015,196,05910,985,1030000000000(1,

28、537,605)(1,537,605)000023,105,952#NUM!904,137,0453,243,138,746390016,107,82211,644,2090000000000(1,599,109)(1,599,109)000024,553,813#NUM!964,856,3403,566,061,3244000012,342,86200000000000(1,663,074)000010,679,788#NUM!1,014,130,3813,904,818,7544100013,083,43300000000000(1,729,596)000011,353,837#NUM!1

29、,066,049,4334,275,415,9164200013,868,43900000000000(1,798,780)000012,069,659#NUM!1,120,761,0694,680,823,8394300014,700,54600000000000(1,870,732)000012,829,814#NUM!1,178,421,3265,124,289,4464400015,582,57800000000000(1,945,561)000013,637,017#NUM!1,239,195,1975,609,361,09345000000000000000000000000460

30、0000000000000000000000047000000000000000000000000480000000000000000000000004900000000000000000000000050000000000000000000000000510000000000000000000000005200000000000000000000000053000000000000000000000000540000000000000000000000005500000000000000000000000056000000000000000000000000570000000000000000000000005800000000000000000000000059000000000000000000000000600000000000000