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见了1000个客户之后，发现了9个常见问题！快来看看吧！

当我和大家聊财务规划的时候，有时候听到的回应是“我这方面已经搞定了”。但当我仔细看他们的“搞定”时，发现了一些挺常见的问题。这里按我碰到的普遍程度列一下：

  1. 很多人的财务规划似乎就是围绕着保险打转。这也难怪，因为很多所谓的“理财顾问”其实就是传统的保险销售员，他们花大部分时间跟你聊保险需求。保险当然重要，但如果整个计划都盯着保险，那就有点不太对劲了。这是我碰到的最常见的问题。
  2. 其实财务规划的第一步是适当分配收入，合理配置资产，还有检查一下你的财务比率。但这个步骤好像被忽略了！我们得确保收入不仅仅用于眼前开销，还要为未来的保险和投资做准备。保险的花费应该尽量降到最低，因为那是支出，而投资的部分则应该最大化，如果你负担得起的话。财务比率是个重要的指标，比如偿债比率、储蓄比率、债务和资产比率，还有投资和资产比率。详细看看这些比率，可以帮你找到是否有收入或资产分配的问题。但这个步骤好像很少有人做。
  3. 有些人由于害怕不确定性，一直犹豫，耽误了大量宝贵的时间。不论是单独在证券平台上的投资还是投联险，都是我们开始投资的很好途径。很多客户可能在投资方面有过不好的经验，或者听别人讲了一些很负面的话之后，就拒绝投资。 这其实是非常不理性的行为，现在的投资产品，尤其是投连险，已经发展的非常人性化了。灵活性非常好：可以拿保费假期，可以部分提取，可以定时提取。我们一定要保持一个开放的心态，选择适合自己的产品和方式来积累财富。
  4. 有些人投资的时候只做多，不涉及到市场不相关的产品。以前，零售投资者只能玩一些基本的做多基金，整个市场崩溃的时候这些基金亏损是避免不了的。现在在国内市场，一些对冲基金也开始对零售投资者开放了，但好像很多人还没意识到。
  5. 还有一点，是有些人拿公积金特别账户来投资。这其实是个很不错的选择，因为它提供4%的风险-free回报。可是很多人用这个账户投资最后都赔钱了（或者赚得比4%少）。好在现在投资公积金不再收费，所以“理财顾问”也没啥卖的动力了。
  6. 还有一类错误是在为退休投资的时候，有的人冒太大的风险，尤其是年纪大的人。他们经常在股市上瞎投机，希望能快速赚一笔，结果有时候损失很大。反过来，有的年轻人尽管还能承受更多的风险，但因为害怕风险，把大部分钱都放在现金里。
  7. 还有不少人没做遗产规划。其实遗产规划是财务规划的一部分。可是99%的理财顾问好像都不提供这项服务。有人可能找律师写遗嘱，但律师不是理财顾问，所以他们能帮你写遗嘱，但有时候没考虑到全面的财务情况。在国内找个靠谱的遗产规划师好像也不容易。
  8. 还有些人因为喜欢带有现金价值的终身保单，结果保额很低。虽然终身保险有现金价值，但它也相当昂贵。如果一个人只买终身保险，保额可能会相当不足。其实保险主要是为了风险管理，不应该和投资混淆。保险就是保护，就像你的电话套餐是为了你的通讯一样，两者都没有现金价值，这也没啥大问题。
  9. 大多数人都知道写遗嘱很重要，因为我们终究会离开这个世界，不想留下麻烦。可是很多人还没写！可能大家觉得现在不急，以后有机会再说。遗嘱很重要，可以确保合适的人继承合适的财产，保证财产在死后不被冻结，减少遗产认证的费用和时间，还有保证我们年老的父母会继续得到支持。还有很多其他的原因。

当然，还有更多的错误，我只是列举了一些我常常看到的。我主要提供关于投资和遗产规划的建议。并不是我不认为保险重要，而是因为我的客户通常都是比较成熟的人（45岁以上到60多岁），他们通常已经购买了所有需要购买的保险，更关心的是如何建立一个舒适的退休生活。如果你觉得有需要，可以给我发消息，我们简短聊一下

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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Li Wenjun Olivia 李文君

非常荣幸，您来到我的个人网页。我是Olivia 李文君。2008年来到新加坡做为一个全额奖学金的学生，在新加坡最大公立医院ICU工作7年后，转行理财行业。入行之后我不断的去提升自己，结合自己的医疗背景，为客户转移潜在风险，精准配置。并且帮助客户做财务增值规划，让未来不确定的人生中有一份安心。非常尽心尽力的去服务我的每一位客户，不论您是刚毕业的年轻人，还是身价上亿的老总。希望我可以成为您在新加坡理财规划中的一个值得信赖的资源人士，为您货比三家，优中选优，在超过150家金融合作伙伴的产品中，配置最适合您的理财规划方案。

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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策