高收入家庭的理财规划方案

The Financial Planning of High Income Mr.Liu Family

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。

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.