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1、Proposal for Total Financial Planning财务规划建议书What is Personal Financial Planning 什么是财务规划?1. It is a plan to assist you measure your financial goal.它可以帮助您来衡量您的财务目标。2. Analyze the financial needs for each difference stage of your life.分析每个人在不同年龄阶段的财务需要。3. Let you have a better plan of your asset manage
2、ment. 让您更好的安排您的资产的动态。4. Better plan of asset protection and or the growth of asset.可以让您的资产得到更好的保值或增值。5. In conclusion, to make sure the financial tools you are employing still meet your needs. 总的来说就是如何使您的资产不会因为利息的变动、通货膨胀、银根紧缩及税收等等的因素而使您的资产流失或萎缩。The Purpose of Personal Financial Planning财务规划的目的The pu
3、rpose of personal financial planning is to ensure you are on track to meet your goals, identify and address new goals and make sure the financial tools you are employing still meet your needs. In order to make sure you are able to further understand your plans, we would like to bring to your attenti
4、ons the following four areas which normally the financial expects and economists who generally agree with. 财务规划的目的是要确保您的财务目标是正确的，同时用适合的工具达到您的理想。为了使您对未来的计划有更好的了解，我们采用了经济学家及财务顾问们都认可的方法来制定一套“全面的财务规划书”供您参考，此计划书基本上包含了以下几个方面：流动现金帐户：此帐户主要针对银行存款中的现金，它的主要目的是要提供目前的基本生活费用及一些小型的紧急备用金。专家建议：此帐户的金额应该是等于三到六个月的月收入。L
5、iquid Cash Account：Deposit account to provide for current expenses and minor emergencies.Expert Advise: A minimum of 3 to 6 months income is desirable.保障资产帐户：此帐户是以保险来保障人们所要或可能会面对的风险。比如说：疾病、医疗费用、意外事故、永久的失去工作能力及最不幸的身故。专家建议：此帐户应该是等于5年或更长的年限，来提供足够的金钱，给需要依靠他的人继续保持原有的生活水平。 当然了，我们也要考虑：除了人身保险以外的财产保险，以防止辛辛苦苦
6、建立的房产或工厂一夜之间变成废墟。Protection Account:Insurance contracts to safeguard the family unit in the event of sickness, disability and death. Expert Advise: In case of death, insurance to pay the cost of dying and to replace at least equal to 5 years of current income for survivors is a reasonable objective.
7、保证资产帐户：可以借助“分红型”、“投资连接型”、或“有良好现金价值的终身型”的保险及“保证固定收入”的投资来确保一定的资金，来满足重大紧急备用资金、实业投资资金、儿童教育基金及退休金用。专家建议：必须先计划好以上几个方面的理想后选择一个或多个计划来使到您的计划更好的完成。Guaranteed Accounts: Permanent life insurance and other fixed dollar investments to provide for major emergencies, special opportunities, disability and retirement
8、 income.Expert Advise:In order to make sure your plan to be more realistic the guaranteed accounts will have to consider only after your protection account had put in place.投资资产帐户情况：通过对股票的投资、债券的投资、外汇的投资、基金的投资或对冲基金的投资来对付通货膨胀可能带来的压力，从而使已经拥有的资产不会萎缩。同时，此投入也可能使您的资产除了不会萎缩外还可以有增值的可能。专家建议：在进行此投资前，必须搞清楚您自己可以
9、承受风险的能力、投资的收益、投资的限期、分散投资的分险、选择投资的渠道、选择投资组合及选择可靠的投资顾问。Investment Account:Home ownership, ordinary shares, variable insurance contracts and other forms of variable investment tier to economic growth to provide a balanced investment portfolio.Expert Advise: Before entry to this sector of plan, we need
10、to be sure of your risk tolerance level, your objectives, have variety of investment portfolio and a good investment consultant.备注：若我们以比较通俗的话来了解以上的帐户，即是您应该先准备好所有可能的理想，然后就可以把剩余的资金没有顾虑的用了。Remark：Let us put the above ideas into simple term, it means you should first put your money in your future plan f
11、irst, and if all are done up you then will be able to spend all the money without any other worries.Total Financial Planning for _全面财务规划建议书The Plan for your total financial planning 我们为您设计的全面财务规划建议书Following the above principle and the facts you provides us, we had toiler made the following plans fo
12、r your action.根据以上的原则及您提供给我们的资料，我们现在为您制作了以下的计划，并相信它可以符合的愿望及理想：流动资金帐户 Liquid Cash Accounta) Purpose of this Account: Cash to cover emergency needs of self, family, business ore profession.主要目的：为了防止因一些小型的急用，如：小病、住院、暂时失去工作或家里人需要急用。b) The Objective 此帐户的理想： Need to deposit at least 3 to 6 months of your
13、income.需要一个等于您的三到六个月的收入的流动现金。Therefore, you need to put a side _. (If you are single we suggest at least 3 months of your income, a family will need about 6 months of your income to put a side.)所以您的现金储蓄应该是: _117198.00_元。（若单身的则应该是等于三个月的工资/收入，若是有家庭或年长些的人士建议等于六个月的收入）c) Our Suggestion 我们的建议：If you alrea
14、dy had sufficient fund in your account - please go to the next account.如果您已经拥有了此金额那么请进入第二部分的帐户计划-保障帐户。If you do not have sufficient fund in this account we will than suggest you do the following:如果您的此帐户没有足够的金额因此我们建议以下的做法：1. If you need to put a side equal to 3 months of your monthly income, you sugg
15、est 40% of your monthly will be a good saving habit, and it will take you 7 & half months to do it, if the amount is double than you need 15 months to make it possible.您可以每月储蓄40%的收入，那么您只要用大约7个半月即可以储蓄了等于三月的收入，您若要储蓄等于半年的收入则需要用1年又3个月的时间。2. From the above you know very well that you need “Time” to do it, but when unforeseen circumstances happen to an individual it will wipe up all your dream, therefore, we suggest you take up a simple plan such as medical and accident p
