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,第三級,第四級,第五級,*,善待您和您的金錢,家庭財務(wù)規(guī)劃和資產(chǎn)配置,理財,.,1,善待您和您的金錢家庭財務(wù)規(guī)劃和資產(chǎn)配置理財.1,名家名言,一個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,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,名家名言一個人一生能積累多少錢.2,1,家庭理財?shù)哪康?理財?shù)幕境ＷR,確定理財?shù)哪繕?biāo),家庭財務(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?shù)哪康睦碡數(shù)幕境ＷR確定理財?shù)哪繕?biāo)家庭財務(wù)現(xiàn)狀檢視,1,家庭理財?shù)哪康?理財?shù)幕境ＷR,確定理財?shù)哪繕?biāo),家庭財務(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?shù)哪康睦碡數(shù)幕境ＷR確定理財?shù)哪繕?biāo)家庭財務(wù)現(xiàn)狀檢視,中國,發(fā)達國家,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)造機會賺錢,人賺錢,錢賺錢,絕大部分人儲蓄存款占到個人資產(chǎn)的,80%,，少量的資金投入其它,儲蓄存款只占到個人資產(chǎn)的,17%,，其它資金投入基金、證券、保險和其它,你不理財，財不理你！,+,.,5,中國發(fā)達國家工薪收入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),項目,說明,總花費,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,年計算,36,萬,撫養(yǎng)子女,出生到大學(xué)畢業(yè)，生活費、學(xué)費,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,599,萬,.,6,一生不容易完成的任務(wù)項目說明總花費房子以廣州普通住宅為例，每,家庭理財?shù)哪康?通過有效的儲蓄和適當(dāng)?shù)耐顿Y達致家庭財務(wù)的：,安全,與,自由,1,、資產(chǎn)不斷增值而不貶值,2,、不發(fā)生計劃外的財務(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?shù)哪康耐ㄟ^有效的儲蓄和適當(dāng)?shù)耐顿Y達致家庭財務(wù)的：安全,1,家庭理財?shù)哪康?理財?shù)幕境ＷR,確定理財?shù)哪繕?biāo),家庭財務(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?shù)哪康睦碡數(shù)幕境ＷR確定理財?shù)哪繕?biāo)家庭財務(wù)現(xiàn)狀檢視,所謂理財，就是追求長期而穩(wěn)定的收益。它不同于投資，更和投機無關(guān)。,李嘉誠,.,9,所謂理財，就是追求長期而穩(wěn)定的收益。它不同于投資，更和投機無,投資回報率比較表,每年投資,5000,利率,3%,7%,10%,15%,年期,利率年回報金額,1,5150,5350,5500,5750,2,10455,11075,11550,12363,3,15918,17200,18205,19967,4,21546,23754,25526,28712,5,27342,30766,33578,38769,6,33312,38270,42436,50334,7,39462,46299,52179,63634,8,45796,54890,62897,78929,9,52319,64082,74687,96519,10,59039,73918,87656,116746,11,65960,84442,101921,140008,12,73089,95703,117614,166760,13,80432,107752,134875,197524,14,87995,120645,153862,232902,15,95784,134440,174749,273587,16,103808,149201,197724,320375,17,112072,164995,222996,374182,18,120584,181895,250795,436059,19,129352,199977,281375,507218,20,138382,219326,315012,589051,資金增長,0.38,倍,1.2,倍,2.15,倍,4.89,倍,1-,回報對投資的影響,.,10,投資回報率比較表每年投資5000利率3%7%10%15%年期,2-,通貨膨脹,財富的小偷,以每年,4%,的通脹率計算，,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,年中國平均年通脹率為,4%,扣除利息稅及通脹后，,您的資金是在負增長,.,11,2-通貨膨脹財富的小偷以每年4%的通脹率計算，10000元,年齡,甲投資者每年投資,乙投資者每年投資,21,5000,22,5000,23,5000,24,5000,25,5000,26,5000,27,5000,28,5000,29,5000,30,5000,31,5000,32,5000,33,5000,34,5000,35,5000,36,5000,37,5000,38,5000,39,5000,40,5000,41,5000,42,5000,43,5000,44,5000,45,5000,46,5000,47,5000,48,5000,49,5000,50,5000,51,5000,52,5000,53,5000,54,5000,55,5000,56,5000,57,5000,58,5000,59,5000,60,5000,61,5000,62,5000,63,5000,64,5000,65,5000,3-,金錢的時間價值,假設(shè)每年投資回報率為,10%,，,65,歲時究竟誰的回報多？,.,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,賬戶年底價值,乙投資者每年投資,賬戶年底價值,21,5000,5500,22,5000,11550,23,5000,18205,24,5000,25526,25,5000,33578,26,5000,42436,27,5000,52179,28,5000,62897,29,69187,5000,5500,30,76106,5000,11550,31,83716,5000,18205,32,92088,5000,25526,33,101297,5000,33578,34,111427,5000,42436,35,122569,5000,52179,36,134826,5000,62897,37,148309,5000,74687,38,163140,5000,87656,39,179454,5000,101921,40,197399,5000,117614,41,217139,5000,134875,42,238853,5000,153862,43,262738,5000,174749,44,289012,5000,197724,45,317913,5000,222996,46,349704,5000,250795,47,384675,5000,281375,48,423142,5000,315012,49,465456,5000,352014,50,512002,5000,392715,51,563202,5000,437487,52,619522,5000,486735,53,681475,5000,540909,54,749622,5000,600500,55,824584,5000,666050,56,907043,5000,738155,57,997747,5000,817470,58,1097522,5000,904717,59,1207274,5000,1000689,60,1328001,5000,1106258,61,1460801,5000,1222383,62,1606882,5000,1350122,63,1767570,5000,1490634,64,1944327,5000,1645197,65,2138759,5000,1815217,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值乙投資者每年投資賬戶年底價值,4-,財富倍增的,72,法則,年份,3%,6%,12%,19,2,000,2,000,2,000,25,4,000,31,4,000,8,000,37,16,000,43,4,000,8,000,32,000,49,64,000,55,16,000,128,000,61,256,000,67,8,000,32,000,512,000,復(fù)利增長本金翻翻的估算法,.,14,4-財富倍增的72法則年份3%6%12%192,0002,5-,合理的資產(chǎn)配置,投資風(fēng)險資產(chǎn)比例,=80,年齡,如果你偏冒險：,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)險資產(chǎn)比例 =80 年齡.1,6-,堅持長期分散投資（分散投資,30,年）,投資金額：,50,000,A,計劃：,回報率,積累資金,定期存款,5%,?,B,計劃：,10,000,1,）投資回報,-5%,？,2,）投資回報,0%,？,3,）投資回報,5%,？,4,）投資回報,10%,？,5,）投資回報,15%,？,平均回報率,5%,？,分散投資差別,？,.,16,6-堅持長期分散投資（分散投資30年）投資金額：50,000,投資金額：,50,000,A,計劃：,回報率,積累資金,定期存款,5%,216,097,B,計劃,：,1,）投資回報,-5%,2,146,2,）投資回報,0%,10,000,3,）投資回報,5%,43,219,4,）投資回報,10%,174,494,5,）投資回報,15%,662,118,平均回報率,5%,891,978,分散投資差別,675,880,.,17,投資金額：50,000A計劃：回報率積累資金定期存款5%21,7-,追求長期穩(wěn)定的回報,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-追求長期穩(wěn)定的回報年期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,4,小李說他,賺了一臺車子,5,多頭就是這樣,不買不行,就先買一半吧,6,不會這麼準(zhǔn)吧？,7,汰弱留強，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，這可是最後買點呢,10,主流就是主流,總是比大盤領(lǐng)先創(chuàng)新高,11,照這個速度,下個月就可以,賺到,.,12,這次機會不能再錯過，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，一定會把錢逼出來,14,耐心是投資當(dāng)中最難的一部份，放心！還會再漲回去的,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,停損才是交易的紀律，賣掉才是對的,。就平靜地去做吧,21,還好避過這兇狠的一段。後頭還會跌得更兇呢！,22,不可能的啦,23,你看吧,24,降息是賣點不是買點，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,好了,牛頓說有地心引力的,27,什麼？！,%#.,一個股民的心路歷程,.,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