高收入家庭的理财规划方案

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高收入家庭的理财规划方案

作者：只井杰

来源：《价值工程》2012年第28期

摘要：刘先生家庭年度结余77万余元，为典型的421型高收入家庭。刘先生是做磷矿生意的，收入高风险也大，刘太太是农行柜员，收入较稳定，家有女儿读幼儿园，还有四老需要赡养。本理财规划方案在介绍刘先生家庭成员及资产情况基础上，编制家庭资产负债表和收入支出表，分析各项资产比率，指出刘先生家庭现阶段资产配置的不合理之处，旨在对该家庭进行现金规划、教育规划、住房规划、保险规划和投资规划。通过规划，该家庭的理财目标得以实现。

Abstract： For Mr. Liu family is a typical 421 type of high income family. Its annual balance is more than 770000 yuan. Mr. Liu is doing phosphate rock business， and his income is high with high risk； his wife is an agriculture bank clerk， and her income is stable. His family members are a daughter who is in kindergarten， mother and father， mother in law and father in law. Based on introduction of Mr. Liu’s family and his asset， the paper works out the family balance sheet and income expenditure table， analyzes the assets ratio， and points out the unreasonable place in asset allocation of Mr. Liu's family， aiming to make cash planning， education planning， housing planning， insurance planning and investment planning for the family. Through the planning， the family's financial management target can be realized.

关键词：理财目标；财务比率；教育规划；住房规划；保险规划

Key words： financial goals；financial ratio；education planning；housing planning；insurance planning

中图分类号：F063.4 文献标识码：A 文章编号：1006—4311（2012）28—0326—03

0 引言

理财规划是指以客户家庭的基本状况为依据，运用科学的方法和特定的程序为客户制定切合实际、具有可操作性的包括现金、消费支出、教育、风险管理与保险、税收、投资、退休养老、财产分配与传承规划等某方面或者综合性的方案，使客户不断提高生活品质，最终达到终生的财务安全、自主和自由的过程。

进行理财规划的流程如图1。

制定理财规划方案时不仅要考虑系统风险、非系统风险先进因素，还要考虑投资者的风险偏好和生命周期。风险偏好有保守型、稳健型、积极进取型。生命周期包括单身期、家庭和事