個人理財01課件

1、Chapter 1 Understanding the Financial Planning Process What is personal financial planning?Why do you do your personal financial planning?How to do sound financial planning?Do you believe?富不過三代投資銀行JP摩根的最新調查顯示,全球大部分超級富豪過去20年都不能守住巨額財富，“敗家率”達80。 有人把福布斯雜志最新的全球400位首富排行榜與20年前的同一排行榜相比，結果發(fā)現，平均每5名榜上有名的超級富翁中，

2、只有1名能在榜上屹立不倒。 姓名：邁克-泰森 出生：1966.6.30 身高：1米80 戰(zhàn)績：49勝3負(43次擊倒對手) 故鄉(xiāng)：美國俄亥俄州 頭銜：前WBC重量級冠軍 前WBA重量級冠軍 教練：羅尼-謝爾茨 2003年8月2日，泰森向紐約曼哈頓區(qū)破產法院提出破產申請 The rewards of sound financial planning:1.Improve your standard of living(1)What is standard of living: the necessities, comforts, and luxuries enjoyed or desired by

3、 an individual or group(2)What factors affect the quality of life? Geographic location, public facilities, local cost of living , pollution, traffic, population density, wealthy.2.Spending money wisely: current needs vs. future needsAverage propensity to consume: the percentage of each dollar of inc

4、ome, on average, that a person spends for current consumptionWhat is your average propensity to consume?3.Accumulating wealth(1)Wealth: the total value of all items owned by an individual, such as savingsAccounts, stocks, bonds, home, and automobiles.(2)Financial assets: intangible assets, such as s

5、avings accounts and securities,That are acquired for some promised future return.(3)Tangible assets: physical assets, such as real estate and automobiles, that can Be held for either consumption or investment purpose Grades:Comprehensive Final Exam 70%Homework and presentation 20%Attendance 10%lotus

6、qqqqPersonal financial planning: planning that covers the important elements of an individuals financial affairs and is aimed at fulfilling his or her financial goals.Steps in personal financial planning process1. Define financial goals.2. Develop financial plans and strategies to achieve goals.3. I

7、mplement financial plans and strategies.4. Develop budgets to monitor and control progress toward goals.5. Evaluate results by using financial statements.6. Revise goals as situations change.Define financial goals.The role of moneyThe psychology of moneyYou should know your own attitudes towards mon

8、ey:How important is money to u? why? What type of spending give u satisfaction? R U a risk taker? Do u need large financial reserves to feel secure?Money and relationships Financial goals: short-, intermediate-, and long-term results that an individual wants to attain, such as controlling living exp

9、enses, managing ones tax burden, establishing savings and investment programs, and meeting retirement needs.What are your financial goals?Types of financial goals:Financial goals should be defined as specifically as possiblePutting target dates on financial goalsAgeIncome10 20 30 40 50 60 70 80Incom

10、e StreamPersonal Financial Planning LifecycleRetirement/EstateTaxSavings/InvestmentAsset AcquisitionLiability/InsuranceBenefitsThe Planning EnvironmentFinancial planning is carried out in an economic environment created by the interactions ofGovernmentBusinessConsumersEconomic CyclesExpansionRecessi

11、onDepressionRecoveryHIGHLOWLevels of Employment and ProductionExpansion: the phase of the economic cycle during which the level of employment and growth of economic activity are both high; generally accompanied by rising prices for goods and servicesRecession: the phase of the economic cycle during

12、which the level of employment falls and growth of economic activity slows.Depression: the phase of the economic cycle during which the employment level is low and economic growth is at a virtual standstill.Recovery: the phase of the economic cycle during which the employment level is increased and t

13、he economy is experiencing increased activity and growth.What determines your personal income?1.Age, marital status2.Education 3.Geographic location-Where you liveEconomic conditions Labor supplyIndustrial baseCost of living: groceries housing utilities transportation healthcare and miscellaneous go

14、ods and services.4.Your careerPlanning your careerIdentify your interests, skills , needs and valuesSet specific long- and short- term career goalsDevelop and implement an action plan to achieve chose goalsReview and revise your career plans as your situation changes.注冊財務策劃師資格如何取得？ 教育（Education）、考試（Examination）、經驗（Experience）、操守（Ethics）。 第一個“E”（教育）：指學員需通過指定的財務策劃師基本課程教育。作為財務策劃師，必須具備跨行業(yè)的知識，即包括財務策劃、投資、保險、稅務、退休計劃和員工福利等，而且需要對國際和本國的法律法規(guī)都必須比較清楚地了解和掌握； 第二個“E”（考試）：除注冊會計師（CPA）、特許財務分析師（CFA）等專業(yè)證書持有人，商學、經濟學、管理學博士，以及執(zhí)業(yè)律師可以直接報考外，所有學員必須通過課程教育才能報考財務策劃師資格考試