事业单位职工个人理财规划探究

Research on Personal Financial Planning of Employees in Public Institutions

针对事业单位职工这一群体,分析其个人理财规划存在保险和养老规划考虑不周全、教育支出安排比重过大、消费规划有时会陷于困境、投资规划的效果不佳等问题,提出事业单位职工急需在保险和养老规划上加大投入,教育规划适合而止,谨慎贷款和投资房地产要慎重,树立风险意识与坚持组合投资等建议。

This paper reveals many risks in the personal financial planning of employees in public institutions,such as inadequate insurance and pension planning,excessive education expenditure,high leverage of consumption or investment,low return on investment or even loss,and gives some suggestions:For employees in public institutions,there is an urgent need to increase investment in insurance and pension planning,rationalize education investment,prudently lend,carefully invest in real estate,establish risk awareness,and adhere to portfolio investment.