财务规划是制定可实施的财务计划的过程,Investorpedia 给出了一个很好的定义:它将财务规划定义为“包含个人或团体当前财务状况和长期财务目标以及实现这些目标的策略”。
即我们的财务现状在哪里,要到哪里,怎么到达哪里。
具体来说,以注册理财规划师CFP®课程为参考,理财规划包括以下6个规划模块:
*财务规划基础
*风险管理和保险规划
*税务规划和遗产规划
*投资规划
*退休规划
*财务计划建设和专业职责
财务规划是一个动态的过程,随着人生进入不同的阶段,财务规划的目标和策略也有所不同。大致可以把人生分为四个阶段:
0岁到20岁的成长读书阶段,20-40岁从初入职场到财富快速上升的阶段,这个阶段通常组织了家庭,有了孩子,有了房子。 40到60岁
60到80岁。
虽然财务规划本质上是通用的(即涉及金钱的一切都可以成为财务规划的一部分),但有些特定的规划领域需要专业知识,而这正是需要财务规划帮助的地方。
欢迎约我,做一个财务规划的咨询。
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.
CFP®注册国际金融理财师
专注于为各年龄层人士和家庭做全面的财务规划(小到房屋火险,财险,车险;大到养老年金,财富传承等),随着客户进入不同的人生时期,做出对应的调整和规划。
专注并提供以下服务:
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CFP®️ Certified Financial Planner, Specialised in comprehensive financial planning for working people and families.
I believe in constant learning and enjoy sharing.
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