How to write a good personal financial planning

Personal financial management refers to the comprehensive process of realizing personal and family financial management goals and making reasonable planning by analyzing family financial situation. Financial management does not mean how much income is mainly obtained. Financial management is not limited to providing a single financial service, including investment plan, house purchase plan, education fund plan, insurance plan, retirement plan and so on. So how do you write a personal financial plan? Next, I sorted out the main points of personal financial planning for you, hoping to help you!

How to write a good article on personal financial planning 1 Personal financial management is a process to achieve personal life goals through proper management of financial resources, and it is a unified and coordinated plan designed to achieve overall financial goals. This plan is very long. To sum up, there are three cores?

1, financial resources, know what your financial resources are; 2, life goals, to have a clear understanding of their own life goals; 3. There must be a series of unified and coordinated plans to ensure that all plans do not conflict and can be coordinated. The core contents include insurance plan, investment plan, education plan, income tax plan, retirement plan and real estate plan. Managing all plans with cash flow management and making all plans conform to your cash flow is the core content of personal financial management.

Personal financial management in the modern sense is different from simple saving or investment. It includes not only the accumulation of wealth, but also the protection and arrangement of wealth. The core of wealth protection is risk control, that is, when one's life and health are in an accident, or the economic environment is in major adverse changes, such as hyperinflation and a sharp drop in exchange rate, the living standards of oneself and one's family will not be seriously affected.

China's traditional concept is different from modern people's personal financial management concept in at least the following four aspects:

1, save money.

Thrift is a virtue, but if we still insist on frugal financial management habits, it will really be a financial management habit that lags behind the development of the times. Thrift itself does not produce wealth, nor can it increase the scale of assets, but only reduces expenditure, which will affect the improvement of modern people's quality of life. As the saying goes, the key to financial management is to increase revenue and reduce expenditure. Although thrift meets or exempts one item, it will not become a rich family by relying solely on thrift.

2. Financial management is the patent of the rich and high-income families.

You must have enough money to talk about investment and financial management. It is no exaggeration to say that personal finance has become an indispensable part of everyone's life.

3. Speculative financial management is speculative activities, and speculation is opportunistic.

Seek ill-gotten gains by harming others and benefiting themselves, while investment is based on Qian Shengqian's activities, which is essentially different. Of course, investment and speculation come together like twin brothers. Where there is investment, there is speculation.

Only putting money in the bank is financial management.

At present, saving is still the traditional way of managing money for most people. In the traditional concept, saving is the safest and safest way to manage money. However, given that the current interest rate (return on investment) is at a very low level, it seems to be the safest way to deposit money in the bank in the short term, but it is a very dangerous way to manage money in the long run, because the interest income is far behind the rate of currency depreciation and is not suitable as a long-term investment tool.

In addition, it is necessary to explain how to measure a financial plan. Most investors still regard wealth management income as the only measure basis, and to measure a wealth management plan, wealth management income is of course an important standard. Scientific financial management is actually a lifelong cash flow management and risk management.

Cash flow management includes two aspects:

1, making money.

How to accumulate wealth and realize the preservation and appreciation of property, that is, work income generated by using personal resources and financial income generated by using monetary resources.

Step 2 spend money.

How to get the best service and the greatest satisfaction with the least money, that is, the living expenses of individuals and families from birth to death and the financial expenses generated by using credit for consumption and investment.

Risk management refers to making insurance arrangements in advance. When an accident makes the family's cash income unable to meet the expenses at that time or in the future, there can still be a sum of money or income to make up for the gap and reduce the impact of unexpected income and expenditure imbalance during the life journey.

Making money-income

Living income includes working income generated by personal resources and financial income generated by monetary resources; Work income is to make money with people, and wealth management income is to make money with money. Therefore, the scope of financial management is wider than making money and investing.

Use money-expenditure; Lifelong expenses include the living expenses of individuals and families from birth to death, as well as the financial expenses arising from investment and application for credit. Some people have expenses and families have burdens. The main purpose of making money is to meet personal and family expenses. Including: living expenses, including family expenses such as food, clothing, housing, entertainment and medical care. Financial expenditure; Including loan interest expenses, guarantee insurance expenses, investment procedures expenses, etc.

Save money-assets

When the current income exceeds the expenditure, there will be savings, and the savings accumulated in each period are assets, that is, the principal that can help you roll money and generate investment income. In old age, when people's resources can't continue to work to generate income, they must rely on monetary resources to generate financial income or realize assets to meet the needs of the elderly. For working families, due to limited income and poor ability to resist risks, investment and financial management methods are conservative. First, reasonably control the daily expenses of families, such as living expenses, housing, consumer loans, etc. Set reasonable financial goals, the goals should be realistic, and the return on investment should match the risks you can bear; The time required to reach the goal should not be too long, and the second goal should be set after the first goal is reached; To achieve the goal, we should consider factors such as product mix, configuration and structure, diversify investment and reduce risks.

Borrowing-liabilities

Borrow money when cash income cannot cover cash expenditure. The reason for borrowing money may be that you can't make ends meet temporarily, buy real estate or automobile appliances that can be used for a long time, and invest to expand credit. If the loan is not repaid immediately, it will accumulate into liabilities, and the interest will be enriched according to the balance of the liabilities. Therefore, before the loan is paid off, in addition to the living expenses, there are also financial principal interest expenses.

Save money-save taxes

In modern society, not all income can be used to pay for expenses. Income tax should be paid, property tax should be paid when selling property, and gift tax or inheritance tax should be paid when transferring property. Therefore, how to legally save taxes in cash flow planning and property transfer planning has become an important part of financial management and a primary consideration for high-income individuals.

Protecting money-insurance and trust

The focus of capital preservation is risk management, that is, making insurance or trust arrangements in advance to ensure the protection of human resources or existing property, or obtaining financial management to make up for losses when losses occur. The function of insurance is that when an accident makes the family's cash income unable to meet the expenses at that time or in the future, it can still have a sum of money or income to make up for the impact of the unexpected imbalance of income and expenditure. In order to obtain the protection of life insurance and property insurance and compensate the loss of people or things, a certain percentage of premiums must be paid. In the event of an insurance accident, the financial income generated by claims can replace the income from interrupted work to meet the living expenses of families or survivors, and can also repay debts through claims to reduce the interest expenses of financial management. In addition, the trust arrangement can make the trust property independent of other private property, free from recourse by creditors, and has the function of protecting the existing property from losses.

How to write a good personal financial planning article: 2 5% of the funds are invested in Yu 'ebao+credit card.

This 5% fund is mainly used as change to meet the usual living expenses. Because Yu 'ebao is embedded in Alipay, it is very convenient to use.

Moreover, the income of Yu 'ebao is higher than demand deposits and time deposits, and it is also higher than the interest rate of 2-3-year government bonds. So there is no need to deposit change in the bank, and there is no need to buy government bonds. It is the best choice to put it in Yu 'ebao.

5% of the funds as a daily running water will be a little nervous, you can choose to do a credit card, usually you can choose to swipe your card. Credit cards usually have a 50-day interest-free period, and all the money in these 50 days is wasted, which means you have earned 50 days of interest for nothing. In addition, the ant flower garden on Alipay now has a function similar to a credit card, which can provide a turnover of up to 30 days, which is equivalent to wasting 30 days and making a fortune.

It is recommended to apply for three credit cards: transportation, investment promotion and CITIC. It is not difficult to apply, and the number of places is enough and there are many points. From time to time, there will be some discounts for everyone to win bonus hunter.

25% of the funds are invested in Internet financial management.

The proportion of 25% is not small, because now is the welfare period of financial disintermediation, and all Internet giants want to get involved in the profiteering financial industry. Although major companies are trying to get involved, their wealth management products are not innovative in docking financial assets, but the advantage is that the sales cost is low. For the initial promotion, users will generally be subsidized, so as users, we will get higher returns in most cases.

However, with the gradual maturity of Internet financial management, the income of each family is getting lower and lower. Ali's Lucky Treasure, Jingdong Finance, Suning Finance and Baidu Finance all saw their income drop to 4%-5%, and their cost performance was not high. The first one is Storm Finance, which is cost-effective. The background is the financial platform under the A-share listed company Storm. First of all, security is guaranteed. Now the yield is 7%(5% real interest rate +2% subsidy), which is not bad. Although it is still difficult to maintain 7%, it will still benefit from this welfare period.

In addition, Sina's micro-wealth income is 7.5%.

30% real estate Retis fund

Real estate investment trust funds are funds that invest in real estate. The advantage is that they can also let us small retail investors play with real estate and earn rent.

Real estate, like stocks, has a very large market. In the long run, prices will rise and stable rental returns can be obtained, so it is a very good investment product. Foreign real estate has experienced many cycles and developed for hundreds of years, becoming more and more mature and professional. Real estate retis fund has been operating very well abroad. In the long run, REITs have a stable and high income, and have little correlation with other assets, so they are very good asset allocation varieties.

By analyzing the income comparison in recent three years, according to the calculated dividend yield, Hang Seng Real Estate Fund's income of 36.03% beat Hang Seng Index 1 1.86%, which still has great investment potential.

At present, there are few retis funds in domestic real estate, and most of them can't be bought. Penghua American Real Estate (2060 1 1) is recommended here. Judging from the past performance, Penghua American Real Estate performed well. In the future, the United States, as a big country with the best global economic recovery, will have relatively stable and safe real estate.

20%p2p

The fundamental reason for the emergence of P2P is the sudden opening of monopoly finance, but because P2P is not regulated, the whole P2P industry is mixed. However, the benefits of P2P are enough to make up for the risks, and the investment in the past few years has been relatively cost-effective.

The first gear is P2P of large groups.

Such platforms mainly include lufax, Pleasant Loan and Huijin Institute. Lufax is the son of Ping An Group, Yirendai is the first P2P listed in China, and Huijin is the son of Sunshine Group. This kind of P2P platform is close to the current trust level in risk, but the monthly income of 12 is only about 7%, and the investment cost performance is not high.

The second file is the P2P platform of listed companies.

These platforms mainly include Yinhu.com, Ding Youcai, Huitou Worry-Free, Tenbon Venture Capital, etc. All of them are wholly-owned companies of listed companies, and their finances are all included in the statements of listed companies, so these P2P platforms are relatively conservative and standardized. The general income of such platforms is between 8%- 12%, and the investment cost performance ratio is relatively high. It is suggested that 40% of the funds should be spread among 2-3 platforms for long-term target investment, and the income can reach 12%, and the risk is relatively controllable.

20% of the fund is fixed.

In the long run, the fund's income is very high, reaching 15%, but at the same time, the fund fluctuates greatly and the operation is difficult. Most of the time, most people's funds don't make money or even lose money.

Harvest grew at an annualized rate of return of 23.8% from 2003 to the end of 20 15. Earn more than buying a house in Shanghai (the average annual return rate of buying a house in Shanghai is about 16.9%). But there are still 169400 people who are losing money. As shown in the figure below.

Why do most people always lose money? In fact, it is the same as the stock chasing up and down. The more funds go up, the more they buy. As a result, most of the funds were bought at a high level. If the fund falls a little, it will lose money. The fund bought fell, and many people began to scold the fund as a pit, and then most people were scared to sell it quickly. Therefore, the fund may rebound soon. In this way, most people were beaten in the face. According to statistics, 96% of retail investors buy funds at a loss.

How to break it? Band fixed investment can be broken!

There is a certain rule in the stock market, that is, the valuation (PE) fluctuates between 5 and 20 times. Let's pay attention to the following and take notes:

The fluctuation range of China A-share market is about 8-20 times. Remember this value, which corresponds to about 2000 to 50000 points in the market.

When the PE of the stock market drops to 1 1 times, the investment can be increased.

When the PE of the stock market rises to more than 15 times, the investment should be reduced.

When the PE of the stock market rises to more than 20 times, don't think about it and clear the position directly.

The fixed investment of the fund shall be carried out in strict accordance with this law. It should not be a problem to invest 20% of salary every month and earn 6%- 15% annually.

I would like to remind everyone here that the fixed investment of the fund looks very simple, but it is not. The hardest thing is to take profit at a high point.

Of course, this may be difficult for you to understand, just remember the following points:

1, the PE of the stock market has reached 20 times, or the profit has reached 30%. Resolutely take profit and don't continue to fight.

2. If the big bull market has just ended and the market is still at a relatively high level, don't invest at this time (if you don't know much about it, you can check my WeChat official account Zhiduoxing financial planner).

One thing to vomit here is that some so-called experts shout for a fixed investment every day, which is very simple. However, they have never made any money by fixed investment, and they also told others that they would make money by fixed investment. Pulling a group of novices into the pit is really harmful.

Ant wealth, which is currently recommended as "Ma Yun's father", is safe and stable, with low rates, and can be purchased directly from Alipay.

Summarize the above scientific investment allocation, see the table below:

In view of this configuration, I fully considered personal investment ability, risk, income, sustainability, market opportunities and other factors, and finally reached this result.

Allocate limited funds to five unrelated asset types, and each type is fully dispersed, such as the fixed investment fund is dispersed to 2-3 funds; P2p, distributed to 2-4 platforms. Even if we are unlucky, encounter a stock market crash, or encounter a p2p default, it will have little impact on the whole. The risk is relatively controllable.

According to our scientific investment allocation, the rate of return will probably stabilize at around 9.5%, so basically the assets will double in 7.6 years, quadruple in 7.6 years and quadruple in 7.6 years. Stick to it for 30 years, how much will you get in return?

Take the case of the subject as an example. Suppose the subject is stupid and the salary only increases by 8% every year.

The current assets of the main body are 70,000 yuan, so the investment income after 30 years is 1008562.69.

The monthly balance in the second year is 2,000 yuan, and the balance in one year is 24,000 yuan, so the investment income after 29 years is 3 16370.46.

In the third year, the salary increased by 8%, the monthly extra deposit was 160, and the one-year balance was 25920. After 28 years, the investment income was 3 12607.59.

After 30 years of recursion, the total assets reach 8606 1207986 million, and the monthly investment income is close to 60 thousand, far exceeding your salary. Compound interest growth is like snowballing, and the more it rolls, the more terrible it becomes.

Compound interest is more terrible than the atomic bomb, not blowing it.

Of course, the above calculation is actually ideal, but the figures are really true.

Idealized because:

The first investment lasted for 30 years and was very difficult. If nothing else, most people can't keep fit for five years.

Second, most people want to make money quickly, and they want to make higher profits. As a result, most people will capsize halfway and lose their money.

Third, financial products and financial markets are changing. If you want to get stable income, you must spend some time studying and investing, and have certain ability to cope with changes.

If we can cross the above three pits, the income in 30 years will generally be higher than 8.6 million.

Most people overestimate the income of 1 year, but underestimate the income of 30 years.

The greater significance of insisting on investment is to realize financial freedom.

Qian Shengqian will never go out of fashion, and the longer it takes, the stronger your investment ability will be, the more stable your income will be, and the more money you have, the bigger the snowball will be, and finally you will realize financial freedom, or at least you can enjoy a stress-free life.

There are many things to do in a person's life, but few are important, and investment and financial management is one of them.

How to write a good personal financial planning Article 3: If you don't manage your finances, you will be ignored. The importance and necessity of personal finance in modern society are increasingly prominent. As a college student who is about to enter the society, it is imperative to do a good job in personal financial planning. The following is my personal college financial planning.

I. Basic overview:

At present, the monthly fixed income comes from parents' sponsorship, and it is 1200 yuan.

(1) Personal Basic Information

Name: Lu Dalong Gender: Male Age: 20 Marital Status: Unmarried.

Monthly income: 1200

(2) Financial status

According to the analysis of daily income, I have compiled my own monthly income and expenditure statement and annual income and expenditure statement as follows.

Second, the principles of financial management:

The basic principles that should be followed in the process of financial management are: balance of payments, steady investment, risk diversification and reasonable guarantee.

Third, analysis and summary:

1. From the perspective of daily consumption, my basic monthly expenditure is 1040 yuan. According to the basic cost of living in Wuhan, the proportion of monthly income is within a reasonable range.

2. Because I like to eat desserts and drink milk tea, the cost of snacks per month is 60, which is also within the tolerance range. If we reduce the space for snacks, we can consider enrolling in a second foreign training course, but it is less feasible.

3. The annual balance is 2220 yuan, which can be invested appropriately. When you have spare money, buy a fund to invest.

Asset allocation and investment planning

It is very important for me to make a good plan on asset allocation and investment to improve my financial freedom in the future. First of all, I want to adjust my investment and asset allocation on the basis of understanding domestic financial products.

As can be seen from the above table, the annual balance of 2220 yuan can be considered to invest in stock funds, bond funds and other investment portfolios. Considering that China's national debt is greatly affected by interest rate fluctuations, and the national debt is hot, the liquidity is insufficient, and the yield is not objective enough. So you can consider buying a fixed investment fund.

The following is the current ranking of fixed investment funds:

0 1 Huaxia Advantage Growth Stock

02 Selection and Combination of Huaxia Market

03 China's growth is mixed

05 Jiashi CSI 300 Index (LOF)

06 Huaxia Global Stock (QDII)

07 ICBC core value stocks

08 Guangfa Jufeng Stock

Therefore, we can properly consider buying China's dominant growth stocks and make a long-term fixed investment in 200 yuan every month. The fixed investment period is tentatively set at 2 years.

Fourth, financial objectives.

Based on the above analysis, summarize the financial objectives:

Goal 1: Arrange consumption reasonably, plan current monthly expenditure and reduce unnecessary cash outflow.

Goal 2: Through the reasonable arrangement of insurance and investment, we can realize the basic guarantee of life and have greater benefits in the long run.

How to write a good personal financial planning Article 4 As a student, I don't demand much money, but I want to spend every penny on the cutting edge. It is particularly important to learn how to manage money now. They say you don't manage money, and money ignores you. The importance and necessity of personal finance is becoming more and more prominent in the real society. As a college student who is about to enter the society, it is imperative to do a good job in personal financial planning. The following is my personal financial planning for college.

I. Basic overview:

At present, the monthly fixed income comes from the living expenses 1000 RMB given by parents, and the irregular part-time income is about RMB in 300 yuan.

(1) Personal Basic Information:

Name: Luo Qiuying

Gender: Female

Age: 20 years old

Occupation: college student

Marital status: unmarried

Monthly income: 1300

(2) Financial status

Second, the financial objectives:

The basic principles that should be followed in the process of financial management are: balance of payments, steady investment, risk diversification and reasonable guarantee.

Third, financial planning:

First of all, prepare your own account book and record your monthly expenses;

Second, manage your own savings card and other vouchers, regularly check the financial situation such as the balance on the card, and know your own funds like the back of your hand;

Third, set up a special savings card to store the monthly balance for future investment funds; Fourth, make a reasonable and rational consumption plan regularly, what not to buy, and try to reduce unnecessary expenses, such as snack consumption;

Fifth, without delaying your studies, find some part-time jobs to earn a certain amount of living expenses, and at the same time reduce the number of shopping and eating out, so as to truly increase revenue and reduce expenditure;

Sixth, end the consumption regularly, count the part with the largest monthly expenditure and the part with the least monthly expenditure, then review and summarize the places that should not be consumed, and compare them with the consumption plan made in the previous period to see if it is reasonable, so as to adjust their consumption behavior and direction.

Fourth, analysis and summary:

1. Judging from my daily consumption, my basic expenditure for one month is 700 yuan. According to the basic cost of living in Guangzhou, the proportion of monthly income is within a reasonable range.

2. Because I love snacks, the monthly snack cost 150 yuan is also within the tolerance range. If you compress the space in snacks, you can make ends meet every month, or spend more on other things, which is feasible.

Due to my poor investment and my parents' disapproval of my investment projects in the university, the funds can't be increased. However, during my three years in college, I plan to use the monthly balance of 500 yuan to deposit it into a savings card every month, and then use this money to invest and increase my income after graduation.

It is estimated that three years ***3* 12=36 months can save 36 * 500 yuan =18000 yuan; Because individuals are not familiar with investment at present, they only know that lump-sum deposit and withdrawal have the lowest risk and the lowest income. During my college years, I must learn the knowledge of investment, weigh the risks and benefits, and then make a plan.

Verb (abbreviation for verb) financial goal:

Based on the above analysis, the financial management objectives are summarized: reasonably arrange consumption, plan the expenditure of the current month, reduce unnecessary expenses, and effectively own, use and protect your own wealth resources.

How to write a good personal financial planning Article 5 Everyone will often encounter many troubles when making their own personal financial planning report. Financial planning report is a long-term plan for the future of individuals or families. Different situations often lead to different personal financial planning, so how to write personal financial planning? In fact, a person's financial habits have rules to follow after growing up to a certain age. Next, from a big perspective, the writing of personal financial planning report.

1, sort out assets

The first step in writing a personal financial planning report is to sort out personal net assets. According to personal income, expenditure and liabilities, etc. , find out the personal net assets, and then make clear your financial goals according to the cleared assets. How much money can be used for financial management, and how much money must be prepared for emergencies. These are the first things to be clear about when writing a personal financial planning report. Only by clarifying your own asset capabilities can you make the next planning steps well-founded and write a reasonable personal financial planning report.

2. Test the risk tolerance.

Risk tolerance test is the second step in writing financial planning. Only by testing your own risk tolerance can you choose the corresponding investment and wealth management products, rationally allocate the proportion of funds of different wealth management products, and thus formulate a personal financial planning report that suits you.

3. Set financial goals.

A personal financial planning report without goals is like an empty book, which has no practical significance. After sorting out your assets and figuring out your risk tolerance, the third step in writing personal financial planning is to set financial goals. How many short-term wealth management products to buy; How much to invest in long-term wealth management products. What proportion of long-term and short-term wealth management products should be high-volatility wealth management products? What proportion of sound financial products should be accounted for? These are all issues that need to be considered when formulating financial goals. Generally speaking, investors with average risk tolerance should concentrate their funds on stable wealth management products, which can bring more stable income to investors.

4. Risk-averse securities investment

Although investors with different risk tolerance will have different emphases when making financial goals, it is obviously irrational to spend all the money on the same financial product, which will bring great concentrated risks to individuals. In order to reduce this risk, portfolio investment should be considered when writing personal financial planning report. Portfolio investment can not only ensure that the expected income will not decrease, but also reduce the risks brought by concentrated investment to a great extent. It is an excellent investment and financial management method.