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1、單擊此處編輯母版標(biāo)題樣式,單擊此處編輯母版文本樣式,第二級(jí),第三級(jí),第四級(jí),第五級(jí),*,善待您和您的金錢,家庭財(cái)務(wù)規(guī)劃和資產(chǎn)配置,理財(cái),.,1,善待您和您的金錢家庭財(cái)務(wù)規(guī)劃和資產(chǎn)配置理財(cái).1,名家名言,一個(gè)人一生能積累多少錢,不是取決于你賺了多少錢,而取決于你如何投資理財(cái),錢找錢勝過人找錢,要懂得讓錢為你工作,而不是你為錢工作,-,沃倫,.,巴菲特,.,2,名家名言一個(gè)人一生能積累多少錢.2,1,家庭理財(cái)?shù)哪康?理財(cái)?shù)幕境ＷR(shí),確定理財(cái)?shù)哪繕?biāo),家庭財(cái)務(wù)現(xiàn)狀檢視,2,3,4,5,家庭資產(chǎn)配置方案,.,3,1家庭理財(cái)?shù)哪康睦碡?cái)?shù)幕境ＷR(shí)確定理財(cái)?shù)哪繕?biāo)家庭財(cái)務(wù)現(xiàn)狀檢視,1,家庭理財(cái)?shù)哪康?理財(cái)?shù)幕?/p>

2、常識(shí),確定理財(cái)?shù)哪繕?biāo),家庭財(cái)務(wù)現(xiàn)狀檢視,2,3,4,5,家庭資產(chǎn)配置方案,.,4,1家庭理財(cái)?shù)哪康睦碡?cái)?shù)幕境ＷR(shí)確定理財(cái)?shù)哪繕?biāo)家庭財(cái)務(wù)現(xiàn)狀檢視,中國(guó),發(fā)達(dá)國(guó)家,工薪收入,98%,工薪收入,50%,投資收入：,2%,投資收入：,50%,1,、拼命工作賺錢,2,、勤儉節(jié)約存錢,1,、利用他人獲利,2,、創(chuàng)造機(jī)會(huì)賺錢,人賺錢,錢賺錢,絕大部分人儲(chǔ)蓄存款占到個(gè)人資產(chǎn)的,80%,，少量的資金投入其它,儲(chǔ)蓄存款只占到個(gè)人資產(chǎn)的,17%,，其它資金投入基金、證券、保險(xiǎn)和其它,你不理財(cái)，財(cái)不理你！,+,.,5,中國(guó)發(fā)達(dá)國(guó)家工薪收入98%工薪收入50%投資收入：2%投資收,一生不容易完成的任務(wù),項(xiàng)目,說明,總花

3、費(fèi),房子,以廣州普通住宅為例，每平米,1,萬元，,100,平加裝修,120,萬元,贍養(yǎng)老人,夫妻雙方,4,位老人，每月,1000,元，按,30,年計(jì)算,36,萬,撫養(yǎng)子女,出生到大學(xué)畢業(yè)，生活費(fèi)、學(xué)費(fèi),80,萬,全家日常開銷,每月開銷,2000,元，加上休閑旅游（,1,年,1,萬），按,40,年計(jì)算,136,萬,車子,15,萬的車，加維修保養(yǎng)，,30,年更換,3,輛（每,10,年更換一輛）,88,萬,退休養(yǎng)老,假設(shè)退休后生活,20,年，每月,1500,元,36,萬,合計(jì),599,萬,.,6,一生不容易完成的任務(wù)項(xiàng)目說明總花費(fèi)房子以廣州普通住宅為例，每,家庭理財(cái)?shù)哪康?通過有效的儲(chǔ)蓄和適當(dāng)?shù)耐顿Y

4、達(dá)致家庭財(cái)務(wù)的：,安全,與,自由,1,、資產(chǎn)不斷增值而不貶值,2,、不發(fā)生計(jì)劃外的財(cái)務(wù)損失,1,、生有所靠,2,、住有定所,3,、子有所教,4,、病有所醫(yī),5,、老有所養(yǎng),.,7,家庭理財(cái)?shù)哪康耐ㄟ^有效的儲(chǔ)蓄和適當(dāng)?shù)耐顿Y達(dá)致家庭財(cái)務(wù)的：安全,1,家庭理財(cái)?shù)哪康?理財(cái)?shù)幕境ＷR(shí),確定理財(cái)?shù)哪繕?biāo),家庭財(cái)務(wù)現(xiàn)狀檢視,2,3,4,5,家庭資產(chǎn)配置方案,.,8,1家庭理財(cái)?shù)哪康睦碡?cái)?shù)幕境ＷR(shí)確定理財(cái)?shù)哪繕?biāo)家庭財(cái)務(wù)現(xiàn)狀檢視,所謂理財(cái)，就是追求長(zhǎng)期而穩(wěn)定的收益。它不同于投資，更和投機(jī)無關(guān)。,李嘉誠(chéng),.,9,所謂理財(cái)，就是追求長(zhǎng)期而穩(wěn)定的收益。它不同于投資，更和投機(jī)無,投資回報(bào)率比較表,每年投資,5000,利

5、率,3%,7%,10%,15%,年期,利率年回報(bào)金額,1,5150,5350,5500,5750,2,10455,11075,11550,12363,3,15918,17200,18205,19967,4,21546,23754,25526,28712,5,27342,30766,33578,38769,6,33312,38270,42436,50334,7,39462,46299,52179,63634,8,45796,54890,62897,78929,9,52319,64082,74687,96519,10,59039,73918,87656,116746,11,65960,84442,

6、101921,140008,12,73089,95703,117614,166760,13,80432,107752,134875,197524,14,87995,120645,153862,232902,15,95784,134440,174749,273587,16,103808,149201,197724,320375,17,112072,164995,222996,374182,18,120584,181895,250795,436059,19,129352,199977,281375,507218,20,138382,219326,315012,589051,資金增長(zhǎng),0.38,倍,

7、1.2,倍,2.15,倍,4.89,倍,1-,回報(bào)對(duì)投資的影響,.,10,投資回報(bào)率比較表每年投資5000利率3%7%10%15%年期,2-,通貨膨脹,財(cái)富的小偷,以每年,4%,的通脹率計(jì)算，,10000,元人民幣相當(dāng)于,20,年后的,4420,元,一年期整存整取的銀行利率為,3.87%,過去,10,年中國(guó)平均年通脹率為,4%,扣除利息稅及通脹后，,您的資金是在負(fù)增長(zhǎng),.,11,2-通貨膨脹財(cái)富的小偷以每年4%的通脹率計(jì)算，10000元,年齡,甲投資者每年投資,乙投資者每年投資,21,5000,22,5000,23,5000,24,5000,25,5000,26,5000,27,5000,28

8、,5000,29,5000,30,5000,31,5000,32,5000,33,5000,34,5000,35,5000,36,5000,37,5000,38,5000,39,5000,40,5000,41,5000,42,5000,43,5000,44,5000,45,5000,46,5000,47,5000,48,5000,49,5000,50,5000,51,5000,52,5000,53,5000,54,5000,55,5000,56,5000,57,5000,58,5000,59,5000,60,5000,61,5000,62,5000,63,5000,64,5000,65,500

9、0,3-,金錢的時(shí)間價(jià)值,假設(shè)每年投資回報(bào)率為,10%,，,65,歲時(shí)究竟誰的回報(bào)多？,.,12,年齡甲投資者每年投資乙投資者每年投資21500022500,年齡,甲投資者每年投資,賬戶年底價(jià)值,乙投資者每年投資,賬戶年底價(jià)值,21,5000,5500,22,5000,11550,23,5000,18205,24,5000,25526,25,5000,33578,26,5000,42436,27,5000,52179,28,5000,62897,29,69187,5000,5500,30,76106,5000,11550,31,83716,5000,18205,32,92088,5000,25

10、526,33,101297,5000,33578,34,111427,5000,42436,35,122569,5000,52179,36,134826,5000,62897,37,148309,5000,74687,38,163140,5000,87656,39,179454,5000,101921,40,197399,5000,117614,41,217139,5000,134875,42,238853,5000,153862,43,262738,5000,174749,44,289012,5000,197724,45,317913,5000,222996,46,349704,5000,2

11、50795,47,384675,5000,281375,48,423142,5000,315012,49,465456,5000,352014,50,512002,5000,392715,51,563202,5000,437487,52,619522,5000,486735,53,681475,5000,540909,54,749622,5000,600500,55,824584,5000,666050,56,907043,5000,738155,57,997747,5000,817470,58,1097522,5000,904717,59,1207274,5000,1000689,60,13

12、28001,5000,1106258,61,1460801,5000,1222383,62,1606882,5000,1350122,63,1767570,5000,1490634,64,1944327,5000,1645197,65,2138759,5000,1815217,總投資,40000,185000,純收益,2098759,1630217,資金增值,52,倍,9,倍,.,13,年齡甲投資者每年投資賬戶年底價(jià)值乙投資者每年投資賬戶年底價(jià)值,4-,財(cái)富倍增的,72,法則,年份,3%,6%,12%,19,2,000,2,000,2,000,25,4,000,31,4,000,8,000,3

13、7,16,000,43,4,000,8,000,32,000,49,64,000,55,16,000,128,000,61,256,000,67,8,000,32,000,512,000,復(fù)利增長(zhǎng)本金翻翻的估算法,.,14,4-財(cái)富倍增的72法則年份3%6%12%192,0002,5-,合理的資產(chǎn)配置,投資風(fēng)險(xiǎn)資產(chǎn)比例,=80,年齡,如果你偏冒險(xiǎn)：,100,年齡,如果你偏保守：,60,年齡,.,15,5-合理的資產(chǎn)配置投資風(fēng)險(xiǎn)資產(chǎn)比例 =80 年齡.1,6-,堅(jiān)持長(zhǎng)期分散投資（分散投資,30,年）,投資金額：,50,000,A,計(jì)劃：,回報(bào)率,積累資金,定期存款,5%,?,B,計(jì)劃：,10,0

14、00,1,）投資回報(bào),-5%,？,2,）投資回報(bào),0%,？,3,）投資回報(bào),5%,？,4,）投資回報(bào),10%,？,5,）投資回報(bào),15%,？,平均回報(bào)率,5%,？,分散投資差別,？,.,16,6-堅(jiān)持長(zhǎng)期分散投資（分散投資30年）投資金額：50,000,投資金額：,50,000,A,計(jì)劃：,回報(bào)率,積累資金,定期存款,5%,216,097,B,計(jì)劃,：,1,）投資回報(bào),-5%,2,146,2,）投資回報(bào),0%,10,000,3,）投資回報(bào),5%,43,219,4,）投資回報(bào),10%,174,494,5,）投資回報(bào),15%,662,118,平均回報(bào)率,5%,891,978,分散投資差別,675,

15、880,.,17,投資金額：50,000A計(jì)劃：回報(bào)率積累資金定期存款5%21,7-,追求長(zhǎng)期穩(wěn)定的回報(bào),年期,A,B,1,3%,10%,2,30%,10%,3,30%,10%,4,30%,10%,5,-30%,10%,平均,18%,10%,年期,A,B,1,10,300,11,000,2,13,390,12,100,3,17,407,13,310,4,22,629,14,641,5,15,840,16,105,平均,18%,10%,.,18,7-追求長(zhǎng)期穩(wěn)定的回報(bào)年期AB13%10%230%10%33,1,聽說最近股票,漲得很兇,2,還好我定力夠,3,好像真的不錯(cuò),4,小李說他,賺了一臺(tái)車子

16、,5,多頭就是這樣,不買不行,就先買一半吧,6,不會(huì)這麼準(zhǔn)吧？,7,汰弱留強(qiáng)，這才是專業(yè)的操作,8,要是當(dāng)初沒那麼保守就好了。再買另外一半,9,介紹親戚來買好了，這可是最後買點(diǎn)呢,10,主流就是主流,總是比大盤領(lǐng)先創(chuàng)新高,11,照這個(gè)速度,下個(gè)月就可以,賺到,.,12,這次機(jī)會(huì)不能再錯(cuò)過，來轉(zhuǎn)成融資比較快,13,漲多跌一下正常,而且央行降息了,買股票很容易打敗銀行定存，一定會(huì)把錢逼出來,14,耐心是投資當(dāng)中最難的一部份，放心！還會(huì)再漲回去的,15,果然,16,算了！這種股市不看也罷！,17,該不該賣呢？,18,還好沒賣,19,受夠了！真是無能的政府,20,停損才是交易的紀(jì)律，賣掉才是對(duì)的,。就平靜地去做吧,21,還好避過這兇狠的一段。後頭還會(huì)跌得更兇呢！,22,不可能的啦,23,你看吧,24,降息是賣點(diǎn)不是買點(diǎn)，是好朋友我才告訴你的,25,不要說了，我已經(jīng)淡出股市了,26,好吧，我也空幾,倉(cāng),好了,牛頓說有地心引力的,27,什麼？！,%#.,一個(gè)股民的心路歷程,.,19,123456789101112131415161718192,子女教育金,退休養(yǎng)老金,贍養(yǎng)父母,8-,將來確定的支出