个人理财01课件

1、Chapter 1 Understanding the Financial Planning Process What is personal financial planning?Why do you do your personal financial planning?How to do sound financial planning?Do you believe?富不过三代投资银行JP摩根的最新调查显示,全球大部分超级富豪过去20年都不能守住巨额财富，“败家率”达80。 有人把福布斯杂志最新的全球400位首富排行榜与20年前的同一排行榜相比，结果发现，平均每5名榜上有名的超级富翁中，

2、只有1名能在榜上屹立不倒。 姓名：迈克-泰森 出生：1966.6.30 身高：1米80 战绩：49胜3负(43次击倒对手) 故乡：美国俄亥俄州 头衔：前WBC重量级冠军 前WBA重量级冠军 教练：罗尼-谢尔茨 2003年8月2日，泰森向纽约曼哈顿区破产法院提出破产申请 The rewards of sound financial planning:1.Improve your standard of living(1)What is standard of living: the necessities, comforts, and luxuries enjoyed or desired by

3、 an individual or group(2)What factors affect the quality of life? Geographic location, public facilities, local cost of living , pollution, traffic, population density, wealthy.2.Spending money wisely: current needs vs. future needsAverage propensity to consume: the percentage of each dollar of inc

4、ome, on average, that a person spends for current consumptionWhat is your average propensity to consume?3.Accumulating wealth(1)Wealth: the total value of all items owned by an individual, such as savingsAccounts, stocks, bonds, home, and automobiles.(2)Financial assets: intangible assets, such as s

5、avings accounts and securities,That are acquired for some promised future return.(3)Tangible assets: physical assets, such as real estate and automobiles, that can Be held for either consumption or investment purpose Grades:Comprehensive Final Exam 70%Homework and presentation 20%Attendance 10%lotus

6、qqqqPersonal financial planning: planning that covers the important elements of an individuals financial affairs and is aimed at fulfilling his or her financial goals.Steps in personal financial planning process1. Define financial goals.2. Develop financial plans and strategies to achieve goals.3. I

7、mplement financial plans and strategies.4. Develop budgets to monitor and control progress toward goals.5. Evaluate results by using financial statements.6. Revise goals as situations change.Define financial goals.The role of moneyThe psychology of moneyYou should know your own attitudes towards mon

8、ey:How important is money to u? why? What type of spending give u satisfaction? R U a risk taker? Do u need large financial reserves to feel secure?Money and relationships Financial goals: short-, intermediate-, and long-term results that an individual wants to attain, such as controlling living exp

9、enses, managing ones tax burden, establishing savings and investment programs, and meeting retirement needs.What are your financial goals?Types of financial goals:Financial goals should be defined as specifically as possiblePutting target dates on financial goalsAgeIncome10 20 30 40 50 60 70 80Incom

10、e StreamPersonal Financial Planning LifecycleRetirement/EstateTaxSavings/InvestmentAsset AcquisitionLiability/InsuranceBenefitsThe Planning EnvironmentFinancial planning is carried out in an economic environment created by the interactions ofGovernmentBusinessConsumersEconomic CyclesExpansionRecessi

11、onDepressionRecoveryHIGHLOWLevels of Employment and ProductionExpansion: the phase of the economic cycle during which the level of employment and growth of economic activity are both high; generally accompanied by rising prices for goods and servicesRecession: the phase of the economic cycle during

12、which the level of employment falls and growth of economic activity slows.Depression: the phase of the economic cycle during which the employment level is low and economic growth is at a virtual standstill.Recovery: the phase of the economic cycle during which the employment level is increased and t

13、he economy is experiencing increased activity and growth.What determines your personal income?1.Age, marital status2.Education 3.Geographic location-Where you liveEconomic conditions Labor supplyIndustrial baseCost of living: groceries housing utilities transportation healthcare and miscellaneous go

14、ods and services.4.Your careerPlanning your careerIdentify your interests, skills , needs and valuesSet specific long- and short- term career goalsDevelop and implement an action plan to achieve chose goalsReview and revise your career plans as your situation changes.注册财务策划师资格如何取得？ 教育（Education）、考试（Examination）、经验（Experience）、操守（Ethics）。 第一个“E”（教育）：指学员需通过指定的财务策划师基本课程教育。作为财务策划师，必须具备跨行业的知识，即包括财务策划、投资、保险、税务、退休计划和员工福利等，而且需要对国际和本国的法律法规都必须比较清楚地了解和掌握； 第二个“E”（考试）：除注册会计师（CPA）、特许财务分析师（CFA）等专业证书持有人，商学、经济学、管理学博士，以及执业律师可以直接报考外，所有学员必须通过课程教育才能报考财务策划师资格考试