大学毕业后的理财计.pdf

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1、班级：姓名：学号：大学毕业后的理财计划又到大学生毕业找工作的高峰期，一批幸运者的饭碗已经有了着落，然而，面对由于竞争激烈导致的平均起薪的普遍缩水，不少刚刚踏上工作岗位、准备忙于事业奋斗的大学毕业生们从一开始就陷入了理财困境。但银行的理财专家认为，如果换个角度来看，作为刚走入社会的 新鲜人，毕业走上工作岗位自食其力的大学生大多数还不需要负担家庭的开支，因此除了补习教育等投资自己的开支之外，相对而言有更多的优势进行投资，因此今年走入社会的这批大学毕业生如果能狠下心来，提高投资理财占收入的比例，其实有更多的机会提早达到理财目标。第一部分基本情况假设大学毕业后可以顺利在企业或者证券公司上班，月薪350

2、0元，除此之外无其他收入，无其他额外支出。目前已经考取国家计算机二级、英语四级、会计从业资格等证件。计划在毕业后考取银行从业资格证以及初级会计资格证，并根据需要继续考取初级和高级职称。所以，随着经验的增加以及时间的推移，基本工资会逐年增加，以每年增加 1000 元为目标，至少增加800 元。因为刚工作，处在财富积累的阶段，必须要有足够的危机意识，多为未来做储蓄，投资也要谨慎，可以选择做一个保守型投资者；“开源”是理财，“节流”也是理财，如遇不必要的开支可以省下。支出要合理有度，钱是自己工作挣来的，当知道这各种辛酸，所以一定要花在刀刃上，不作没有必要的消费，尽量减少大笔消费。合理利用生活常识，把

3、握好消费时机。这对以后的理财、消费都有激励和刺激作用。第二部分财务情况和健康检查收支情况及分析：如果工作稳定，家庭工资收入 48，000/年，理财 24，00 元/年，根据情况，现编制月度和年度收支表如下：月度收支表收入项目金额支出项目金额工资和薪金收入4,000 开支（不含房贷）500 房贷500 其他580 个人开支1,300 收入合计4,580 支出合计2,100 月度节余2,480 年度收支表收入项目金额支出项目金额薪资收入48,000 房贷6,000 理财收入24,00 日常生活费14,200 奖金收入2000 其他6,000收入合计52,400 支出合计26,200 年度结余16,

4、400 从日常消费来看，我的月度基本花销为2100 元，根据广东生活基本费用水平计算，月收入的比例处于合理范围内。每月交通费包含在个人开支内，也在承受范围之内。文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7

5、文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L1

6、0W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L

7、10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE1

8、0L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3

9、S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码

10、:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10

11、C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7工资收入不高，应该努力工作提高收入，更好地实现自身目标。循序渐进，当有闲余资金时，买基金进行投资。保险规划是一项中长期规划，在整个人生风险管理方面非常重要，应该进行合理规划。如月薪上涨时应结合自身具体情况买份重大疾病险或定期寿险，积极参加社保。其他收入中可每月花500 元买书或者其他学习，不断提升自己，工资上涨时，可以参加一些培训。而在自己刚开始工作时应舍得花钱于服装，但之后就应尽量少买。最后，我资金结余良好，负

12、债比较低，实际上，适度的负债，有利于我的资产增值。负债现在非常轻松，可以考虑利用银行提供的资金杠杆，撬动更多的资产，提高家庭资产增值的速度。关于风险管理，备用金我预留 3 至 6 个月的生活支出就可以了。第三部分理财目标根据我的基本情况和理财目标，我需要安排工资的一部分满足正常的生活、学习需要，保证生活质量。为自己的梦想提前规划，用开支结余为实现梦想而投资。具体如下：合理消费，生活比较滋润通过购买保险提高风险承受能力，通过股票、基金、债券的投资组合，使资产保值增值第四年有 10 万元的资产第五年按揭一套两室一厅的房子第四部分理财方案4.1 通货膨胀的预测文档编码:CD3M8F3S8P7 HE1

13、0L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3

14、S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码

15、:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10

16、C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 Z

17、G9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S

18、5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7

19、 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7有专家在参加北京

20、大学国家发展研究院举办的“CMRC中国经济观察”时预测，未来5 年中国通货膨胀的平均水平很可能下降到1%左右。4.2 应急备用金从维持必要、合理的支出角度出发，应拥有满足 3 个月以上支出的现金流。按现在每月的支出5000 元计算，存款中1 万元要作为 3个月的家庭应急备用金。因为是上班族，收入稳定，在投资上没有太多的时间，所以从众多的理财工具中，首先选择投资每月定投基金或者理财产品，通过专业机构来操作，适时观察，定投基金，一可以平摊风险，二不需要太多投资经验，三不需要太多时间与精力。尽量减少银行存款。总结如下：理财目标理财对象产品来源投资金额现金规划个人银行存款备用金，即用即补1,000 置

21、房规划家庭债券/货币基金月结余1,000 理财产品年结余5,000 父母赡养金规划父母基金定投月结余、年结余均可100*12 4.3 金融投资组合无风险资产中等风险资产高风险资产投资比例40%40%20%投资对象银行存款、理财；债券股票型基金股票、期货文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4

22、O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9

23、L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A

24、6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 H

25、E10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8

26、F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档

27、编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W

28、10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7投资收益5%9%12%4.4 保险规划随着家庭责任的增加，生命风险保障也必须增加。由最初对配偶的家庭责任，扩大到对子女的抚养、教育责任等等。4.4.1 健康风险随着年龄的增长，身体健康面临的风险会逐渐增加，因此购买健康险作为医疗保险的补充。4.4.2 财产风险一般贷款购房，都会要求购买房屋财产保双方父母垫付险（不一定全额）

29、，但家庭财产损失的风险远比房屋风险要大，为了防止火灾、盗窃等造成的财产损失，还要投保家庭财产保险。第五部分理财方案的调整本理财规划分析的结果可能与未来实际情况有所偏差，这是与宏观经济形势、国家经济政策等密切相关的，更与我的薪金增长和理财能力有关，它可能并不能很好的实现理财目标的。而且受未来通货膨胀和金融政策的影响，收支可能发生较大变化，同时可能面临其他很多不确定因素，而且规划方案中的金融产品均存在不同程度的风险。我需要定期分析相关数据，根据实际情况的变化进行调整，以实现我的理财规划目标。具体的调整关系为：5.1 规划建议书调整周期为1 年，要定期根据自身情况的变化来修改建议书。5.2 金融市场

30、或者理财相关方面发生重大变化时，要及时做出选择，并调整理财方案。文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码

31、:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10

32、C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 Z

33、G9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S

34、5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7

35、 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3

36、M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7

37、文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O75.3.如果在家财务、成员关系等方面发生重大变化，要及时做出调整，修改理财方案。5.4 如遇其他特殊情况，资金趋紧，可将积累的投资组合（债券、基金、股票）立即变现。第六部分理财规划总结理财是一个贯穿人生各个阶段的长期过程，切忌操之过急，应持之以恒。在未来的理财安排上，需把握的原则是：经过了理财规划，让我对自己以后的生活资产进行了更为熟悉的认知，也为以后的生活做好了心理准备。只有逐渐学会理财，从小事做起，从细节做起，学会把知识变成财富和管理财富的技能。这样，才能更为熟练的在以后的生活中临危不惧，充满的信心和面

38、对的勇气。在当今社会从传统储蓄型向投资理财时代转型的过程中，个人理财在现代社会中的重要性与必要性日益凸显。只有顺应潮流，积极投资，科学理财，才会拥有美好的明天。文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7

39、文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L1

40、0W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L

41、10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE1

42、0L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3

43、S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码

44、:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7文档编码:CD3M8F3S8P7 HE10L4S5A6L10 ZG9L10W10C4O7