文档介绍：1 “个人金融与理财投资”课程大作业作业类型结课论文院(系) 专业学号学生姓名指导教师完成日期 2 家庭财富规划报告书摘要本报告书是针对本人的年收入 20 万的双职工小康家庭制定的。我父母亲已渐入中老年, 还有 10 年便退休。我今年 20岁, 正在国内读大学。目前我的家庭存在教育子女和退休规划等资金支出。从对本人家庭的收入和现有的资金配置来看, 本人家庭的收入水平较高, 但是资金的投资渠道比较单一, 有很大部分的资金没有得到合理的运用, 并且在风险防范方面还存在着一定的欠缺。针对以上的问题本报告书给出了建议, 可以适当购买保险产品分散风险, 增加一些较保守的理财产品,使资产在具有很大安全性的同时得到增值。除此之外还要完成购车( 25万圆中档汽车) 、积累扶老养老金和供我接受进一步教育的资金。关键词:小康家庭,中老年,退休规划,子女教育,风险防范,购车计划。 The report of planning for household wealth Abstract 3 This report is based on the condition of mon two-job family earned 200,000RMB each year. My parents are getting older whom need to work for ten years .I am 20 years old ,studying in the domestic university at now .The spending on the education and the retirement is the prior thing for my family .From the aspect of e and funds allocation of my family ,we can know that the we have a high e ,but lots of money has not been placed in the right place, also have some risks. There are some advises for the above problem .I think that purchase of insurance is the right way to reduce the risk and buying some f inance products which is safe can enable us to earn more .In addition to those ,buying cars, support for the elderly and support for my further education are also the confronting problem KEY WORDS: well-off family, quinquagenarian , Retirement Plan, children's education , risk prevention ,purchase of ……………………………………………………………………………………… 2 Abstract …………………………………………………...... ………………………… 3 第一章家庭的现有财务状况………..…5 财务状况说明……………………………………………….…5 资产负债表……………………….. ……… 5 4 现金流量表…………………………………. …… 8 第二章理财目标…………………………..…..….. ……… 9 理财原则………………………………… 9 理财目标………………………………………... ……… 9 可行性分析………………………………………..9 第三章实现理财目标的方案……………………………………….10 第四章评估理财方式……………………………………..11 第五章建立并实现理财行动规划………………………………… 12 第六章修正理财规划的现实条件……………………………..12 致谢………………………………………………………... ………... ………………… 13 参考文献( References ) ……………………………. ………………………………….14 第一章家庭现有的财务状况 财务状况说明 5 本人家庭年收入 20 万圆左右, 父母亲两人每年的生活开销基本上是 6 万圆左右, 我的教育支出是 2 万圆,赡养老人支出 1 万圆。详细资产状况:住宅一套价值 48 万圆,商铺一间价