一、理财规划报告书摘要:
1.理财规划目的：以全方位的观点衡量应如何安排资产配置、投资规划、保险规划、子女教育规划、退休规划来达到理财目标。
2.客户背景：罗先生40岁，罗太太35岁，两人皆有留美硕士学位，在不同的外资企业工作，属于高收入忙碌型家庭。有一子10岁，上小学。
3．资产负债状况：目前居住的这套房产价值约120万元，另有一套价值约30万元的1室小房子长期闲置，考虑到孩子入学的户口问题，一直没有出售也没有出租。2套房产的贷款均已还清，还刚买一部15万元的家用汽车。目前夫妻俩有80万元的定期存款，另投资10万元的开放式股票基金当作8年后孩子上大学的准备金。罗先生本人购买终身寿险保额30万元，目前现金价值6万元。夫妻合计住房公积金账户余额10万元，养老金账户余额15万元。
4．收入支出状况：罗先生月薪25,000元，罗太太月薪18,000元，夫妻俩的年终奖合计有50,000元，还有一些存款利息和基金投资年收益合计有28,000元。一家三口每月的开销10,000元。年度开支主要是10,000元的家庭人身保险保费、4,000元的车险保费，以及15,000元的旅游支出。罗先生夫妇两人目前都享有标准的社会保险,缴纳4金。罗先生公司另有一份团体意外险，如发生身故，赔付金额为月薪的4倍。
5. 理财目标：
1）5年内能换购一套更宽敞的房子,复式或联体别墅，预估总价为300万元。
2）让儿子完成大学教育后出国留学，大学学费每年2万元，出国留学2年每年20万元现值。
3）20年后退休维持每月10,000元现值生活水准，退休后10年旅游年花费20,000元现值。
4) 自现在开始每隔七年换购一部相当于现值150,000元的自用汽车。预计每隔7年换车4次。
6.生涯模拟：罗先生收入较高且稳定，储蓄能力较强，自定的子女教育、定期换车、退休养老等计划在不做调整的情况下都能顺利实现，同时我们建议加入赡养计划：每年6万元（现值），用于双方父母医疗保健、外出旅游等提高生活品质。但罗先生5年内300万元换房目标尚需安排。
按目前罗先生财务状况，一次性付款购房将在4年后出现赤字，不可实现。鉴于罗先生实际情况，我们提供了3套换房计划（包含子女教育、保险规划、奉养计划、旅游计划）：
1）目前资产不变，一般商业房贷（现房），首付30%，年利6.3%，期限20年，装修80万元，测算内部报酬率6.35%。需要资产配置股票基金类40%、债券货币类60%，预期收益率6.40%，标准差9.51%；
2）目前资产不变，公积金及一般商业混合贷（现房），首付30%，综合年利6.05%，期限20年，装修80万元，测算内部报酬率6.26%。需要资产配置股票基金类45%、债券货币类55%，预期收益率6.55%，标准差10.51%；
3）变现30万元房产增加首付款，公积金及一般商业混合贷（现房），首付40%，年利6.05%，期限20年，装修80万元，测算内部报酬率6.85%。需要资产配置股票基金类50%、债券货币类50%，预期收益率6.85%，标准差11.61%。
在综合考虑罗先生收入能力、资产状况、风险承受能力、目前市场环境等因素后，我们推荐生涯理财规划为：
目前资产不变，一般商业房贷（现房），首付30%，年利6.3%，期限20年，装修80万元，提前旅游计划（标准不变，12年后子女上大学开始），以此进一步提高罗先生生活质量。需要资产配置情况如下
| 产品类别 | 配置比例 | 预期收益率 | 标准差 |
| 货币市场方向 | 5% | 2.50% | 0.00% |
| 债券市场方向 | 25% | 4% | 4.00% |
| 股票市场方向 | 60% | 10% | 23.00% |
| 另类投资(包括黄金、信托等产品) | 10% | 7% | 8.00% |
| 综合收益率 | 100.00% | 7.83% | 13.86% |
| 风险告示 | |||
| 如果您投资比例如上所示： | |||
| 您大于0%的收益的可能性为 | 71.38% | ||
| 您大于R/2的收益的可能性为 | 61.11% | ||
| 您68%可能性的收益区间为 【 | -5.67% | 22.22% | 】 |
| 84%的可能性大于 | -5.67% | ||
| 您95%可能性的收益区间为 【 | -19.07% | 35.62% | 】 |
| 97.5%的可能性大于 | -19.07% | ||
依据遗属需要法与收入弥补法取其低者，并考虑客户可变现生息资产较多及退休后保费负担能力下降，客户应增加险种和额度如下。客户与配偶的年保费预算分别为27542元与20945元。
| 新华人寿定期寿险 | 定期寿险 | $480,000 | $2,400 | 罗先生 | 罗太太 | 20 | 新增 |
| 平安意外伤害保险 | 意外險 | $2,750,000 | $4,950 | 罗先生 | 罗太太 | 20 | 新增 |
| 国寿祥瑞终身寿险 | 医疗险 | $50,000 | $1,300 | 罗先生 | 罗太太 | 20 | 新增 |
| 新华人寿定期寿险 | 定期寿险 | $780,000 | $3,900 | 罗太太 | 罗先生 | 25 | 新增 |
| 平安意外伤害保险 | 意外險 | $2,050,000 | $3,690 | 罗太太 | 罗先生 | 25 | 新增 |
| 友邦住院醫療保險 | 医疗险 | $50,000 | $1,300 | 罗太太 | 罗先生 | 25 | 新增 |
依照风险属性分析及合理的资产配置，股票债券等产品按比例配置后，预期收益率7.83%，而依照调整后推荐生涯模拟表算出达成所有的理财目标所需的最高内部报酬率为7.78%‚可以达到，以供客户参考。
| 产品类别 | 配置比例 | 预期收益率 | 标准差 |
| 货币市场方向 | 5% | 2.50% | 0.00% |
| 债券市场方向 | 25% | 4% | 4.00% |
| 股票市场方向 | 60% | 10% | 23.00% |
| 另类投资(包括黄金、信托等产品) | 10% | 7% | 8.00% |
| 综合收益率 | 100.00% | 7.83% | 13.86% |
| 风险告示 | |||
| 如果您投资比例如上所示： | |||
| 您大于0%的收益的可能性为 | 71.38% | ||
| 您大于R/2的收益的可能性为 | 61.11% | ||
| 您68%可能性的收益区间为 【 | -5.67% | 22.22% | 】 |
| 84%的可能性大于 | -5.67% | ||
| 您95%可能性的收益区间为 【 | -19.07% | 35.62% | 】 |
| 97.5%的可能性大于 | -19.07% | ||
三、基本状况介绍:一般或特殊需求，对象范围与
1.理财规划的顺序目的: 住房、子女教育、保险、退休、换车。
2.客户基本状况
罗先生40岁，罗太太35岁，两人皆有留美硕士学位，在不同的外资企业工作，属于高收入忙碌型家庭。有一子10岁，上小学。目前年收入44.8万元，年支出14.9万元。
3.规划范围: 因为客户详细提供所有财务信息，因此可以做全方位理财规划。
4. 规划:
1) 避免投资工具: 避免投资风险太高的股票、股票认股权证与商品期货。
2) 保费预算: 计划每年保费48486元，占目前收入的10%。
3) 家人保密: 谘商面谈时将与罗夫人同来，有关规划不需对罗夫人保密。
四、宏观经济与基本假设的依据
1.目前的宏观经济持续成长，经济成长率预估为9%，通货膨胀率预估为3%。
2.学费成长率估计为4%。
3.根据罗先生夫妻目前身体健康的状况，预估两人均可以活到85岁。
4.退休前与退休后的支出成长率均估计为3%。
五、家庭财务状况分析
根据客户提供的财务信息，制作家庭财务报表如下:
1.2006年底家庭资产负债表
| 资产 | 金额 | 比重 | 负债与权益 | 金额 | 比重 | |
| 现金 | $0 | 0.00% | 信用卡循环信用 | $0 | #DIV/0! | |
| 活存 | $0 | 0.00% | 已购物分期付款余额 | $0 | #DIV/0! | |
| 货币市场基金 | $0 | 0.00% | 其他短期负债 | $0 | #DIV/0! | |
| 流动性资产 | $0 | 0.00% | 流动负债 | $0 | #DIV/0! | |
| 定存 | $800,000 | 27.97% | 投资用房产贷款 | $0 | #DIV/0! | |
| 外币存款 | $0 | 0.00% | 金融投资贷款 | $0 | #DIV/0! | |
| 教育储蓄存款 | $0 | 0.00% | 投资负债 | $0 | #DIV/0! | |
| 国债 | $0 | 0.00% | 汽车贷款 | $0 | #DIV/0! | |
| 债券型基金 | $0 | 0.00% | 住房公积金贷款 | $0 | #DIV/0! | |
| 国内股票 | $0 | 0.00% | 自用房产贷款 | $0 | #DIV/0! | |
| 股票型基金 | $100,000 | 3.50% | 自用负债 | $0 | #DIV/0! | |
| 寿险现金价值 | $60,000 | 2.10% | 总负债 | $0 | #DIV/0! | |
| 住房公积金帐户 | $100,000 | 3.50% | 流动净值 | $0 | 0.00% | |
| 个人养老金帐户 | $150,000 | 5.24% | 投资用净值 | $1,510,000 | 52.80% | |
| 企业年金帐户 | $0 | 0.00% | 自用净值 | $1,350,000 | 47.20% | |
| 衍生性金融商品 | $0 | 0.00% | 总净值 | $2,860,000 | 100.00% | |
| 房产投资 | $300,000 | 10.49% | 投资分类 | 占投资比率 | 包括项目 | |
| 贵金属艺术收藏品 | $0 | 0.00% | 流动性资产 | 0.00% | 现金/活存/货币市场基金 | |
| 投资性资产 | $1,510,000 | 52.80% | 收益性资产 | 56.95% | 定存/债券/寿险现金价值 | |
| 自用汽车当前价值 | $150,000 | 5.24% | 成长性资产 | 6.62% | 股票/衍生性金融商品 | |
| 自用房产当前价值 | $1,200,000 | 41.96% | 保值性资产 | 19.87% | 房产/贵金属与艺术收藏品 | |
| 其他自用资产价值 | $0 | 0.00% | 性资产 | 16.56% | 公积金/养老金/企业年金 | |
| 自用性资产 | $1,350,000 | 47.20% | 紧急预备金 | $74,500 | 月支出*紧急预备金月数 | |
| 总资产 | $2,860,000 | 100.00% | 需配置投资 | $1,025,500 | 投资-资产-紧急预备金 | |
1）资产结构: 属于高资产（相对值）无负债家庭,资产中47.2%属于自用资产。
2）在金融投资中以保值性资产为主, 占总投资的27.97，流动性资产占2.6%，收益性资产占56.95%，自用性资产占总资产的47.2%, 属于保守的投资人，无负债。
3 ）需配置投资投资=流动性资产+投资性资产-紧急预备金‚紧急预备金设定为六个月的支出额。
2.家庭财务比率分析
| 家庭财务比率 | 定义 | 比率 | 合理范围 | 建议 |
| 流动比率 | 流动资产/流动负债 | #DIV/0! | 2-10 | 无 |
| 负债比率 | 总负债/总资产 | 0.00% | 20%-60% | 立即加强利用财务杠杆 |
| 紧急预备金倍数 | 流动资产/月支出 | 0.00 | 3-6 | 严重偏低 |
| 财务自由度 | 年理财收入/年支出 | 18.79% | 20%-100% | 严重偏低 |
| 财务负担率 | 年本息支出/年收入 | 0.00% | 20%-40% | 无财务负担压力 |
| 平均投资报酬率 | 年理财收入/生息资产 | 1.85% | 3%-10% | 偏低可再积极一些 |
| 净值成长率 | 净储蓄/(净值-净储蓄) | 25.69% | 5%-20% | 偏高可再积极一些 |
| 净储蓄率 | 净储蓄/总收入 | 70.95% | 20-60% | 偏高可适当提高投资比例 |
| 自由储蓄率 | 自由储蓄/总收入 | 63.93% | 10-40% | 偏高可适当提高投资比例 |
一) 客户的理财目标
根据与客户夫妇的沟通，认定其理财目标依照优先级排列如下:
理财规划的顺序目的: 住房、子女教育、保险、退休、换车
二)客户的风险属性
风险承受能力评分表
| 年龄 | 10分 | 8分 | 6分 | 4分 | 2分 | 客户得分 |
| 40 | 总分50分，25岁以下者50分，每多一岁少1分，75岁以上者0分 | 35 | ||||
| 就业状况 | 公教人员 | 上班族 | 佣金收入者 | 自营事业者 | 失业 | 8 |
| 家庭负担 | 未婚 | 双薪无子女 | 双薪有子女 | 单薪有子女 | 单薪养三代 | 6 |
| 置产状况 | 投资不动产 | 自宅无房贷 | 房贷<50％ | 房贷>50％ | 无自宅 | 10 |
| 投资经验 | 10年以上 | 6～10年 | 2～5年 | 1年以内 | 无 | 6 |
| 投资知识 | 有专业证照 | 财金科系毕 | 自修有心得 | 懂一些 | 一片空白 | 4 |
| 总分 | 69 | |||||
| 忍受亏损 % | 10分 | 8分 | 6分 | 4分 | 2分 | 客户得分 |
| 15 | 不能容忍任何损失0分，每增加1%加2分，可容忍>25％得50分 | 30 | ||||
| 首要考虑 | 赚短现差价 | 长期利得 | 年现金收益 | 抗通膨保值 | 保本保息 | 8 |
| 认赔动作 | 默认停损点 | 事后停损 | 部分认赔 | 持有待回升 | 加码摊平 | 10 |
| 赔钱心理 | 学习经验 | 照常过日子 | 影响情绪小 | 影响情绪大 | 难以成眠 | 6 |
| 最重要特性 | 获利性 | 收益兼成长 | 收益性 | 流动性 | 安全性 | 8 |
| 避免工具 | 无 | 期货 | 股票 | 外汇 | 不动产 | 2 |
| 总分 | ||||||
七、理财规划方案的主要内容
1)养老年金计算与退休规划
| 项目 | 本人 | 配偶 | 参数设置 | 本人 | 配偶 |
| 当前月缴费工资基准 | $0 | $0 | 目前年龄 | 40 | 35 |
| 月缴養老保險保费 | $0 | $0 | 税前月工资 | $25,000 | $18,000 |
| 退休时月缴费工资 | $0 | $0 | 社会平均工资 | $1,000 | $1,000 |
| 退休时社会平均工资 | $2,653 | $2,653 | 最高提缴工资倍数 | 0 | 0 |
| 平均基础养老金基准 | $1,327 | $1,327 | 养老保险费提缴率 | 8.00% | 8.00% |
| 退休时缴费年资 | 20 | 20 | 个人工资成长率 | 5.00% | 5.00% |
| 领取缴费年资比率 | 0.00% | 0.00% | 社平工资成长率 | 5.00% | 5.00% |
| 每月可领取基础养老金额 | $0 | $0 | 拟退休年龄 | 60 | 55 |
| 实质报酬率 | -0.95% | -0.95% | 退休金投资报酬率 | 4.00% | 4.00% |
| 退休时养老金账户累计额 | $0 | $0 | 退休生活费用成长率 | 3.00% | 3.00% |
| 养老金帐户可领取月金额 | $0 | $0 | 企业年金提缴率 | 0.00% | 0.00% |
| 可领取月养老金总额 | $0 | $0 | 企业相对提缴率 | 0.00% | 0.00% |
| 可领取年社保养老金总额 | $0 | $0 | 当前缴费年资 | ||
| 每月提缴至企业年金账户额 | $0 | $0 | 每缴费年资领取率 | ||
| 到退休时可累积年金账户额 | $0 | $0 | 当前养老金帐户余额 | $0 | $0 |
| 每年可领取企业年金金额 | $0 | $0 | 依退休年龄可领养老金月数 | 139 | 170 |
| 可领取供养老用的年金总额 | $0 | $0 | 当前企业年金账户累积额 | $0 | $0 |
| 期望退休后的生活费现值 | $60,000 | $60,000 | 预计终老年龄 | 85 | 85 |
| 退休后首年生活费终值 | $108,367 | $108,367 | 退休前一年可支配收入 | $682,999 | $507,963 |
| 养老与企业年金年缺口金额 | $108,367 | $108,367 | 养老与企业年金收入替代率 | 0.00% | 0.00% |
| 养老与企业年金总缺口金额现值 | $3,046,076 | $3,747,720 | 养老年金社平工资替代率 | 0.00% | 0.00% |
1.客户退休后预计生活支出年12万元。
2.客户夫妻双方退休金缺口679万元。
二）保险规划说明
| 保险规划 | 本人 | 配偶 | 保險狀況 | 本人 | 配偶 |
| 保費預算佔收入比率 | 10.00% | 10.00% | 姓名 | 罗先生 | 罗太太 |
| 保費預算金額 | $27,542 | $20,945 | 当前年龄 | 40 | 35 |
| 出险后支出调整率 | 100.00% | 100.00% | 预计终老年龄 | 85 | 85 |
| 给家人生活保障年数 | 20 | 20 | 已保终身寿险保额 | $300,000 | $0 |
| 生活保障保额 | $1,000,000 | $1,000,000 | 已保定期寿险保额 | $0 | $0 |
| 当前负债额 | $0 | $0 | 已投保两全险保额 | $0 | $0 |
| 子女教育金现值 | $740,000 | $740,000 | 已投保意外险保额 | $0 | $0 |
| 丧葬费最终支出 | $200,000 | $200,000 | 已投保医疗险保额 | $0 | $0 |
| 可变现生息资产 | $1,450,000 | $1,450,000 | 已投保年金险保额 | $0 | $0 |
| 资产变现折扣率 | 80.00% | 80.00% | 两全险几年后领回 | 0 | 0 |
| 家庭保额总需求 | $780,000 | $780,000 | 年金险几年后开始领 | 0 | 0 |
| 应加保定期寿险保额 | $480,000 | $780,000 | 当前可支配年收入 | $275,415 | $209,446 |
| 应投保意外险保额 | $1,560,000 | $1,560,000 | 缴至退休定期险费率 | 0.50% | 0.50% |
| 应加保意外险保额 | $1,560,000 | $1,560,000 | 意外伤害险费率 | 0.18% | 0.18% |
| 擬投保住院医疗险额 | $50,000 | $50,000 | 住院医疗险费率 | 2.60% | 2.60% |
| 應加保住院医疗险额 | $50,000 | $50,000 | 終身壽險保險費率 | 6.00% | 6.00% |
| 可投保終身壽險保額 | $0 | $0 | 当前年缴保费 | $0 | $0 |
1.家庭保额总需求=(家庭消费支出-子女教育支出)*生活保障年数*出险后支出调整率+当前负债额+子女教育金现值+丧葬最终支出-可变现生息资产 *资产变现折扣率=156万元。
2.可变现生息资产=流动资产+投资性资产-寿险现金价值，寿险现金价值出险时会包含在已投保寿险额度内。
3.夫妻应投保保额=MIN(家庭保额总需求，夫妻个人收入*生活保障年数)
4. 客户的保费预算设定为个人税后收入的10%，配偶的保费预算设定为个人税后收入的10%。客户保费预算为27542元；配偶保费预算为20945元，全部用来买新增加部分保险。
a)在客户保费计划的范围内，优先制定意外险购买计划，保额275万元，保费2950元/年。
b)住院医疗险为费用上限型，罗先生拟投保5,000元。保费合计1300元/年。
c)经过保费配置，在增加意外险与住院医疗险后，投保定期寿险，罗先生投保48万元，保费2400元；罗太太投保78万元，保费3900元。在罗先生过世罗太太尚存时‚保险金可以当作罗太太的养老金‚若罗太太先过世则当做给子女的遗产。因此建议罗先生以林太太为第一受益人‚以子女为第二受益人；罗太太以子女为为第一受益人‚以罗先生为第二受益人。
三）拟定可达成理财目标或解决问题的方案
1)调整生涯仿真 (商贷)
| 本人收入 | 配偶收入 | 家计支出 | 学费支出 | 购车换车 | 购房换房 | 孝养尊亲属 | 国内旅游 | 保险流量 | 净现金流量 | 资产总额 | |
| 1,025,500 | 1,025,500 | ||||||||||
| 1 | $270,286 | $201,018 | ($153,470) | ($10,400) | $0 | $0 | ($61,800) | $0 | ($48,486) | $197,148 | $1,287,750 |
| 2 | $283,800 | $211,069 | ($158,074) | ($10,816) | $0 | $0 | ($63,654) | $0 | ($48,486) | $213,839 | $1,583,339 |
| 3 | $297,990 | $221,623 | ($162,816) | ($16,873) | $0 | $0 | ($65,5) | $0 | ($48,486) | $225,874 | $1,909,727 |
| 4 | $312,0 | $232,704 | ($167,701) | ($17,548) | $0 | $0 | ($67,531) | $0 | ($48,486) | $244,328 | $2,275,291 |
| 5 | $328,534 | $244,339 | ($172,732) | ($18,250) | $0 | ($1,393,186) | ($69,556) | $0 | ($48,486) | ($1,129,338) | $1,290,395 |
| 6 | $344,961 | $256,556 | ($177,914) | ($18,980) | $0 | ($208,518) | ($71,3) | $0 | ($48,486) | $75,976 | $1,448,2 |
| 7 | $362,209 | $269,384 | ($183,251) | ($32,8) | ($184,481) | ($206,975) | ($73,792) | $0 | ($48,486) | ($98,291) | $1,441,939 |
| 8 | $380,319 | $282,853 | ($188,749) | ($34,214) | $0 | ($205,354) | ($76,006) | $0 | ($48,486) | $110,363 | $1,3,841 |
| 9 | $399,335 | $296,996 | ($194,411) | ($42,699) | $0 | ($203,652) | ($78,286) | $0 | ($48,486) | $128,796 | $1,876,993 |
| 10 | $419,302 | $311,845 | ($200,244) | ($44,407) | $0 | ($201,8) | ($80,635) | $0 | ($48,486) | $155,511 | $2,151,661 |
| 11 | $440,267 | $327,438 | ($206,251) | ($46,184) | $0 | ($199,988) | ($83,054) | $0 | ($48,486) | $183,742 | $2,471,996 |
| 12 | $462,280 | $343,810 | ($212,438) | ($48,031) | $0 | ($198,018) | ($85,546) | $0 | ($48,486) | $213,571 | $2,842,497 |
| 13 | $485,394 | $361,000 | ($196,930) | ($357,991) | $0 | ($195,949) | ($88,112) | $0 | ($48,486) | ($41,074) | $2,981,873 |
| 14 | $509,6 | $379,050 | ($202,838) | ($372,310) | ($226,888) | ($193,776) | ($90,755) | $0 | ($48,486) | ($246,341) | $2,924,830 |
| 15 | $535,147 | $398,002 | ($208,923) | ($27,014) | $0 | ($191,496) | ($93,478) | $0 | ($48,486) | $363,752 | $3,474,260 |
| 16 | $561,905 | $417,903 | ($215,191) | ($28,095) | $0 | ($1,101) | ($96,282) | $0 | ($48,486) | $402,652 | $4,097,468 |
| 17 | $590,000 | $438,798 | ($221,7) | ($29,219) | $0 | ($186,586) | ($99,171) | $0 | ($48,486) | $443,6 | $4,801,276 |
| 18 | $619,500 | $460,738 | ($228,296) | ($30,387) | $0 | ($183,946) | ($102,146) | $0 | ($48,486) | $486,976 | $5,593,052 |
| 19 | $650,475 | $483,775 | ($235,145) | $0 | $0 | ($181,173) | ($105,210) | $0 | ($48,486) | $5,235 | $6,512,349 |
| 20 | $682,999 | $507,963 | ($242,200) | $0 | $0 | ($178,262) | ($108,367) | ($216,733) | ($48,486) | $396,914 | $7,322,686 |
| 21 | $0 | $0 | ($223,235) | $0 | ($279,044) | ($175,206) | ($111,618) | ($223,235) | $0 | ($1,012,338) | $6,775,213 |
| 22 | $0 | $0 | ($229,932) | $0 | $0 | ($171,996) | ($114,966) | ($229,932) | $0 | ($746,827) | $6,458,497 |
| 23 | $0 | $0 | ($236,830) | $0 | $0 | ($168,626) | ($118,415) | ($236,830) | $0 | ($760,702) | $6,107,799 |
| 24 | $0 | $0 | ($243,935) | $0 | $0 | ($165,088) | ($121,968) | ($243,935) | $0 | ($774,926) | $5,720,613 |
| 25 | $0 | $0 | ($251,253) | $0 | $0 | ($161,373) | ($125,627) | ($251,253) | $0 | ($7,506) | $5,294,269 |
| 26 | $0 | $0 | ($258,791) | $0 | $0 | $0 | $0 | ($258,791) | $0 | ($517,582) | $5,112,782 |
| 27 | $0 | $0 | ($266,555) | $0 | $0 | $0 | $0 | ($266,555) | $0 | ($533,109) | $4,904,247 |
| 28 | $0 | $0 | ($274,551) | $0 | ($343,1) | $0 | $0 | ($274,551) | $0 | ($2,292) | $4,323,291 |
| 29 | $0 | $0 | ($282,788) | $0 | $0 | $0 | $0 | ($282,788) | $0 | ($565,576) | $4,032,170 |
| 30 | $0 | $0 | ($291,271) | $0 | $0 | $0 | $0 | ($291,271) | $0 | ($582,543) | $3,705,601 |
| 31 | $0 | $0 | ($300,010) | $0 | $0 | $0 | $0 | $0 | $0 | ($300,010) | $3,0,834 |
| 32 | $0 | $0 | ($309,010) | $0 | $0 | $0 | $0 | $0 | $0 | ($309,010) | $3,562,955 |
| 33 | $0 | $0 | ($318,280) | $0 | $0 | $0 | $0 | $0 | $0 | ($318,280) | $3,470,861 |
| 34 | $0 | $0 | ($327,829) | $0 | $0 | $0 | $0 | $0 | $0 | ($327,829) | $3,363,373 |
| 35 | $0 | $0 | ($337,663) | $0 | $0 | $0 | $0 | $0 | $0 | ($337,663) | $3,239,226 |
| 36 | $0 | $0 | ($347,793) | $0 | $0 | $0 | $0 | $0 | $0 | ($347,793) | $3,097,068 |
| 37 | $0 | $0 | ($358,227) | $0 | $0 | $0 | $0 | $0 | $0 | ($358,227) | $2,935,452 |
| 38 | $0 | $0 | ($368,974) | $0 | $0 | $0 | $0 | $0 | $0 | ($368,974) | $2,752,829 |
| 39 | $0 | $0 | ($380,043) | $0 | $0 | $0 | $0 | $0 | $0 | ($380,043) | $2,547,543 |
| 40 | $0 | $0 | ($391,445) | $0 | $0 | $0 | $0 | $0 | $0 | ($391,445) | $2,317,824 |
| 41 | $0 | $0 | ($403,188) | $0 | $0 | $0 | $0 | $0 | $0 | ($403,188) | $2,061,779 |
| 42 | $0 | $0 | ($415,284) | $0 | $0 | $0 | $0 | $0 | $0 | ($415,284) | $1,777,383 |
| 43 | $0 | $0 | ($427,742) | $0 | $0 | $0 | $0 | $0 | $0 | ($427,742) | $1,462,474 |
| 44 | $0 | $0 | ($440,574) | $0 | $0 | $0 | $0 | $0 | $0 | ($440,574) | $1,114,742 |
| 45 | $0 | $0 | ($453,792) | $0 | $0 | $0 | $0 | $0 | $300,000 | ($153,792) | $1,031,718 |
| 46 | $0 | $0 | ($233,703) | $0 | $0 | $0 | $0 | $0 | $0 | ($233,703) | $863,511 |
| 47 | $0 | $0 | ($240,714) | $0 | $0 | $0 | $0 | $0 | $0 | ($240,714) | $677,616 |
| 48 | $0 | $0 | ($247,935) | $0 | $0 | $0 | $0 | $0 | $0 | ($247,935) | $472,698 |
| 49 | $0 | $0 | ($255,373) | $0 | $0 | $0 | $0 | $0 | $0 | ($255,373) | $247,333 |
| 50 | $0 | $0 | ($263,034) | $0 | $0 | $0 | $0 | $0 | $0 | ($263,034) | $0 |
| 51 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 52 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 53 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 54 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 55 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 56 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 57 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 58 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 59 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 60 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 61 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 62 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 63 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| 65 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| 输入净现金流量 | IRR= | 6.35% | |||||||||
| 本人收入 | 配偶收入 | 家计支出 | 学费支出 | 购车换车 | 购房换房 | 孝养尊亲属 | 国内旅游 | 保险流量 | 净现金流量 | 资产总额 | |
| 1,025,500 | 1,025,500 | ||||||||||
| 1 | $270,286 | $201,018 | ($153,470) | ($10,400) | $0 | $0 | ($61,800) | $0 | ($48,486) | $197,148 | $1,286,798 |
| 2 | $283,800 | $211,069 | ($158,074) | ($10,816) | $0 | $0 | ($63,654) | $0 | ($48,486) | $213,839 | $1,581,132 |
| 3 | $297,990 | $221,623 | ($162,816) | ($16,873) | $0 | $0 | ($65,5) | $0 | ($48,486) | $225,874 | $1,905,912 |
| 4 | $312,0 | $232,704 | ($167,701) | ($17,548) | $0 | $0 | ($67,531) | $0 | ($48,486) | $244,328 | $2,269,4 |
| 5 | $328,534 | $244,339 | ($172,732) | ($18,250) | $0 | ($1,393,186) | ($69,556) | $0 | ($48,486) | ($1,129,338) | $1,282,092 |
| 6 | $344,961 | $256,556 | ($177,914) | ($18,980) | $0 | ($203,745) | ($71,3) | $0 | ($48,486) | $80,749 | $1,443,041 |
| 7 | $362,209 | $269,384 | ($183,251) | ($32,8) | ($184,481) | ($202,201) | ($73,792) | $0 | ($48,486) | ($93,518) | $1,439,793 |
| 8 | $380,319 | $282,853 | ($188,749) | ($34,214) | $0 | ($200,580) | ($76,006) | $0 | ($48,486) | $115,137 | $1,4,995 |
| 9 | $399,335 | $296,996 | ($194,411) | ($42,699) | $0 | ($198,878) | ($78,286) | $0 | ($48,486) | $133,570 | $1,881,467 |
| 10 | $419,302 | $311,845 | ($200,244) | ($44,407) | $0 | ($197,091) | ($80,635) | $0 | ($48,486) | $160,284 | $2,159,445 |
| 11 | $440,267 | $327,438 | ($206,251) | ($46,184) | $0 | ($195,214) | ($83,054) | $0 | ($48,486) | $188,516 | $2,483,044 |
| 12 | $462,280 | $343,810 | ($212,438) | ($48,031) | $0 | ($193,244) | ($85,546) | $0 | ($48,486) | $218,345 | $2,856,714 |
| 13 | $485,394 | $361,000 | ($196,930) | ($357,991) | $0 | ($191,175) | ($88,112) | $0 | ($48,486) | ($36,300) | $2,999,115 |
| 14 | $509,6 | $379,050 | ($202,838) | ($372,310) | ($226,888) | ($1,003) | ($90,755) | $0 | ($48,486) | ($241,568) | $2,945,155 |
| 15 | $535,147 | $398,002 | ($208,923) | ($27,014) | $0 | ($186,722) | ($93,478) | $0 | ($48,486) | $368,526 | $3,497,914 |
| 16 | $561,905 | $417,903 | ($215,191) | ($28,095) | $0 | ($184,327) | ($96,282) | $0 | ($48,486) | $407,426 | $4,124,150 |
| 17 | $590,000 | $438,798 | ($221,7) | ($29,219) | $0 | ($181,813) | ($99,171) | $0 | ($48,486) | $448,463 | $4,830,597 |
| 18 | $619,500 | $460,738 | ($228,296) | ($30,387) | $0 | ($179,172) | ($102,146) | $0 | ($48,486) | $491,750 | $5,624,523 |
| 19 | $650,475 | $483,775 | ($235,145) | $0 | $0 | ($176,400) | ($105,210) | $0 | ($48,486) | $569,008 | $6,545,371 |
| 20 | $682,999 | $507,963 | ($242,200) | $0 | $0 | ($173,4) | ($108,367) | ($216,733) | ($48,486) | $401,688 | $7,356,501 |
| 21 | $0 | $0 | ($223,235) | $0 | ($279,044) | ($170,432) | ($111,618) | ($223,235) | $0 | ($1,007,565) | $6,809,119 |
| 22 | $0 | $0 | ($229,932) | $0 | $0 | ($167,223) | ($114,966) | ($229,932) | $0 | ($742,054) | $6,493,007 |
| 23 | $0 | $0 | ($236,830) | $0 | $0 | ($163,853) | ($118,415) | ($236,830) | $0 | ($755,929) | $6,143,245 |
| 24 | $0 | $0 | ($243,935) | $0 | $0 | ($160,314) | ($121,968) | ($243,935) | $0 | ($770,153) | $5,757,381 |
| 25 | $0 | $0 | ($251,253) | $0 | $0 | ($156,599) | ($125,627) | ($251,253) | $0 | ($784,732) | $5,332,799 |
| 26 | $0 | $0 | ($258,791) | $0 | $0 | $0 | $0 | ($258,791) | $0 | ($517,582) | $5,148,808 |
| 27 | $0 | $0 | ($266,555) | $0 | $0 | $0 | $0 | ($266,555) | $0 | ($533,109) | $4,937,780 |
| 28 | $0 | $0 | ($274,551) | $0 | ($343,1) | $0 | $0 | ($274,551) | $0 | ($2,292) | $4,354,368 |
| 29 | $0 | $0 | ($282,788) | $0 | $0 | $0 | $0 | ($282,788) | $0 | ($565,576) | $4,061,178 |
| 30 | $0 | $0 | ($291,271) | $0 | $0 | $0 | $0 | ($291,271) | $0 | ($582,543) | $3,732,680 |
| 31 | $0 | $0 | ($300,010) | $0 | $0 | $0 | $0 | $0 | $0 | ($300,010) | $3,666,167 |
| 32 | $0 | $0 | ($309,010) | $0 | $0 | $0 | $0 | $0 | $0 | ($309,010) | $3,586,493 |
| 33 | $0 | $0 | ($318,280) | $0 | $0 | $0 | $0 | $0 | $0 | ($318,280) | $3,492,5 |
| 34 | $0 | $0 | ($327,829) | $0 | $0 | $0 | $0 | $0 | $0 | ($327,829) | $3,383,211 |
| 35 | $0 | $0 | ($337,663) | $0 | $0 | $0 | $0 | $0 | $0 | ($337,663) | $3,257,183 |
| 36 | $0 | $0 | ($347,793) | $0 | $0 | $0 | $0 | $0 | $0 | ($347,793) | $3,113,141 |
| 37 | $0 | $0 | ($358,227) | $0 | $0 | $0 | $0 | $0 | $0 | ($358,227) | $2,949,655 |
| 38 | $0 | $0 | ($368,974) | $0 | $0 | $0 | $0 | $0 | $0 | ($368,974) | $2,765,195 |
| 39 | $0 | $0 | ($380,043) | $0 | $0 | $0 | $0 | $0 | $0 | ($380,043) | $2,558,127 |
| 40 | $0 | $0 | ($391,445) | $0 | $0 | $0 | $0 | $0 | $0 | ($391,445) | $2,326,705 |
| 41 | $0 | $0 | ($403,188) | $0 | $0 | $0 | $0 | $0 | $0 | ($403,188) | $2,069,0 |
| 42 | $0 | $0 | ($415,284) | $0 | $0 | $0 | $0 | $0 | $0 | ($415,284) | $1,783,210 |
| 43 | $0 | $0 | ($427,742) | $0 | $0 | $0 | $0 | $0 | $0 | ($427,742) | $1,467,015 |
| 44 | $0 | $0 | ($440,574) | $0 | $0 | $0 | $0 | $0 | $0 | ($440,574) | $1,118,210 |
| 45 | $0 | $0 | ($453,792) | $0 | $0 | $0 | $0 | $0 | $300,000 | ($153,792) | $1,034,367 |
| 46 | $0 | $0 | ($233,703) | $0 | $0 | $0 | $0 | $0 | $0 | ($233,703) | $865,369 |
| 47 | $0 | $0 | ($240,714) | $0 | $0 | $0 | $0 | $0 | $0 | ($240,714) | $678,788 |
| 48 | $0 | $0 | ($247,935) | $0 | $0 | $0 | $0 | $0 | $0 | ($247,935) | $473,314 |
| 49 | $0 | $0 | ($255,373) | $0 | $0 | $0 | $0 | $0 | $0 | ($255,373) | $247,549 |
| 50 | $0 | $0 | ($263,034) | $0 | $0 | $0 | $0 | $0 | $0 | ($263,034) | ($0) |
| 51 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 52 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 53 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 54 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 55 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 56 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 57 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 58 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 59 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 60 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 61 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 62 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 63 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) | |
| 65 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 输入净现金流量 | IRR= | 6.26% | |||||||||
| 本人收入 | 配偶收入 | 家计支出 | 学费支出 | 购车换车 | 购房换房 | 孝养尊亲属 | 国内旅游 | 保险流量 | 净现金流量 | 资产总额 | |
| 1,025,500 | 1,025,500 | ||||||||||
| 1 | $270,286 | $201,018 | ($153,470) | ($10,400) | $0 | $0 | ($61,800) | $0 | ($48,486) | $197,148 | $1,292,944 |
| 2 | $283,800 | $211,069 | ($158,074) | ($10,816) | $0 | $0 | ($63,654) | $0 | ($48,486) | $213,839 | $1,595,412 |
| 3 | $297,990 | $221,623 | ($162,816) | ($16,873) | $0 | $0 | ($65,5) | $0 | ($48,486) | $225,874 | $1,930,8 |
| 4 | $312,0 | $232,704 | ($167,701) | ($17,548) | $0 | $0 | ($67,531) | $0 | ($48,486) | $244,328 | $2,307,319 |
| 5 | $328,534 | $244,339 | ($172,732) | ($18,250) | $0 | ($2,076,071) | ($69,556) | $0 | ($48,486) | ($1,812,222) | $653,259 |
| 6 | $344,961 | $256,556 | ($177,914) | ($18,980) | $0 | ($170,228) | ($71,3) | $0 | ($48,486) | $114,266 | $812,305 |
| 7 | $362,209 | $269,384 | ($183,251) | ($32,8) | ($184,481) | ($168,684) | ($73,792) | $0 | ($48,486) | ($60,000) | $807,986 |
| 8 | $380,319 | $282,853 | ($188,749) | ($34,214) | $0 | ($167,063) | ($76,006) | $0 | ($48,486) | $148,654 | $1,012,026 |
| 9 | $399,335 | $296,996 | ($194,411) | ($42,699) | $0 | ($165,361) | ($78,286) | $0 | ($48,486) | $167,087 | $1,248,486 |
| 10 | $419,302 | $311,845 | ($200,244) | ($44,407) | $0 | ($163,574) | ($80,635) | $0 | ($48,486) | $193,802 | $1,527,869 |
| 11 | $440,267 | $327,438 | ($206,251) | ($46,184) | $0 | ($161,697) | ($83,054) | $0 | ($48,486) | $222,033 | $1,854,634 |
| 12 | $462,280 | $343,810 | ($212,438) | ($48,031) | $0 | ($159,727) | ($85,546) | $0 | ($48,486) | $251,862 | $2,233,628 |
| 13 | $485,394 | $361,000 | ($196,930) | ($357,991) | $0 | ($157,658) | ($88,112) | $0 | ($48,486) | ($2,783) | $2,383,956 |
| 14 | $509,6 | $379,050 | ($202,838) | ($372,310) | ($226,888) | ($155,486) | ($90,755) | $0 | ($48,486) | ($208,050) | $2,339,321 |
| 15 | $535,147 | $398,002 | ($208,923) | ($27,014) | $0 | ($153,205) | ($93,478) | $0 | ($48,486) | $402,043 | $2,901,720 |
| 16 | $561,905 | $417,903 | ($215,191) | ($28,095) | $0 | ($150,810) | ($96,282) | $0 | ($48,486) | $440,943 | $3,541,571 |
| 17 | $590,000 | $438,798 | ($221,7) | ($29,219) | $0 | ($148,295) | ($99,171) | $0 | ($48,486) | $481,980 | $4,266,319 |
| 18 | $619,500 | $460,738 | ($228,296) | ($30,387) | $0 | ($145,655) | ($102,146) | $0 | ($48,486) | $525,267 | $5,084,034 |
| 19 | $650,475 | $483,775 | ($235,145) | $0 | $0 | ($142,882) | ($105,210) | $0 | ($48,486) | $602,525 | $6,035,060 |
| 20 | $682,999 | $507,963 | ($242,200) | $0 | $0 | ($139,971) | ($108,367) | ($216,733) | ($48,486) | $435,205 | $6,883,957 |
| 21 | $0 | $0 | ($223,235) | $0 | ($279,044) | ($136,915) | ($111,618) | ($223,235) | $0 | ($974,047) | $6,381,792 |
| 22 | $0 | $0 | ($229,932) | $0 | $0 | ($133,705) | ($114,966) | ($229,932) | $0 | ($708,536) | $6,110,716 |
| 23 | $0 | $0 | ($236,830) | $0 | $0 | ($130,336) | ($118,415) | ($236,830) | $0 | ($722,411) | $5,807,182 |
| 24 | $0 | $0 | ($243,935) | $0 | $0 | ($126,797) | ($121,968) | ($243,935) | $0 | ($736,635) | $5,468,619 |
| 25 | $0 | $0 | ($251,253) | $0 | $0 | ($123,082) | ($125,627) | ($251,253) | $0 | ($751,215) | $5,092,267 |
| 26 | $0 | $0 | ($258,791) | $0 | $0 | $0 | $0 | ($258,791) | $0 | ($517,582) | $4,923,750 |
| 27 | $0 | $0 | ($266,555) | $0 | $0 | $0 | $0 | ($266,555) | $0 | ($533,109) | $4,728,155 |
| 28 | $0 | $0 | ($274,551) | $0 | ($343,1) | $0 | $0 | ($274,551) | $0 | ($2,292) | $4,159,969 |
| 29 | $0 | $0 | ($282,788) | $0 | $0 | $0 | $0 | ($282,788) | $0 | ($565,576) | $3,879,552 |
| 30 | $0 | $0 | ($291,271) | $0 | $0 | $0 | $0 | ($291,271) | $0 | ($582,543) | $3,562,945 |
| 31 | $0 | $0 | ($300,010) | $0 | $0 | $0 | $0 | $0 | $0 | ($300,010) | $3,507,168 |
| 32 | $0 | $0 | ($309,010) | $0 | $0 | $0 | $0 | $0 | $0 | ($309,010) | $3,438,568 |
| 33 | $0 | $0 | ($318,280) | $0 | $0 | $0 | $0 | $0 | $0 | ($318,280) | $3,355,995 |
| 34 | $0 | $0 | ($327,829) | $0 | $0 | $0 | $0 | $0 | $0 | ($327,829) | $3,258,214 |
| 35 | $0 | $0 | ($337,663) | $0 | $0 | $0 | $0 | $0 | $0 | ($337,663) | $3,143,5 |
| 36 | $0 | $0 | ($347,793) | $0 | $0 | $0 | $0 | $0 | $0 | ($347,793) | $3,011,610 |
| 37 | $0 | $0 | ($358,227) | $0 | $0 | $0 | $0 | $0 | $0 | ($358,227) | $2,859,823 |
| 38 | $0 | $0 | ($368,974) | $0 | $0 | $0 | $0 | $0 | $0 | ($368,974) | $2,686,884 |
| 39 | $0 | $0 | ($380,043) | $0 | $0 | $0 | $0 | $0 | $0 | ($380,043) | $2,491,022 |
| 40 | $0 | $0 | ($391,445) | $0 | $0 | $0 | $0 | $0 | $0 | ($391,445) | $2,270,332 |
| 41 | $0 | $0 | ($403,188) | $0 | $0 | $0 | $0 | $0 | $0 | ($403,188) | $2,022,772 |
| 42 | $0 | $0 | ($415,284) | $0 | $0 | $0 | $0 | $0 | $0 | ($415,284) | $1,746,145 |
| 43 | $0 | $0 | ($427,742) | $0 | $0 | $0 | $0 | $0 | $0 | ($427,742) | $1,438,098 |
| 44 | $0 | $0 | ($440,574) | $0 | $0 | $0 | $0 | $0 | $0 | ($440,574) | $1,096,103 |
| 45 | $0 | $0 | ($453,792) | $0 | $0 | $0 | $0 | $0 | $300,000 | ($153,792) | $1,017,447 |
| 46 | $0 | $0 | ($233,703) | $0 | $0 | $0 | $0 | $0 | $0 | ($233,703) | $853,4 |
| 47 | $0 | $0 | ($240,714) | $0 | $0 | $0 | $0 | $0 | $0 | ($240,714) | $671,280 |
| 48 | $0 | $0 | ($247,935) | $0 | $0 | $0 | $0 | $0 | $0 | ($247,935) | $469,360 |
| 49 | $0 | $0 | ($255,373) | $0 | $0 | $0 | $0 | $0 | $0 | ($255,373) | $246,161 |
| 50 | $0 | $0 | ($263,034) | $0 | $0 | $0 | $0 | $0 | $0 | ($263,034) | ($0) |
| 51 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 52 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 53 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 54 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 55 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 56 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 57 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 58 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 59 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 60 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 61 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 62 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 63 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) | |
| 65 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 输入净现金流量 | IRR= | 6.85% | |||||||||
| 本人收入 | 配偶收入 | 家计支出 | 学费支出 | 购车换车 | 购房换房 | 孝养尊亲属 | 国内旅游 | 保险流量 | 净现金流量 | 资产总额 | |
| 1,025,500 | 1,025,500 | ||||||||||
| 1 | $270,286 | $201,018 | ($153,470) | ($10,400) | $0 | $0 | ($61,800) | $0 | ($48,486) | $197,148 | $1,302,419 |
| 2 | $283,800 | $211,069 | ($158,074) | ($10,816) | $0 | $0 | ($63,654) | $0 | ($48,486) | $213,839 | $1,617,570 |
| 3 | $297,990 | $221,623 | ($162,816) | ($16,873) | $0 | $0 | ($65,5) | $0 | ($48,486) | $225,874 | $1,969,270 |
| 4 | $312,0 | $232,704 | ($167,701) | ($17,548) | $0 | $0 | ($67,531) | $0 | ($48,486) | $244,328 | $2,366,782 |
| 5 | $328,534 | $244,339 | ($172,732) | ($18,250) | $0 | ($1,393,186) | ($69,556) | $0 | ($48,486) | ($1,129,338) | $1,421,551 |
| 6 | $344,961 | $256,556 | ($177,914) | ($18,980) | $0 | ($208,518) | ($71,3) | $0 | ($48,486) | $75,976 | $1,608,105 |
| 7 | $362,209 | $269,384 | ($183,251) | ($32,8) | ($184,481) | ($206,975) | ($73,792) | $0 | ($48,486) | ($98,291) | $1,634,904 |
| 8 | $380,319 | $282,853 | ($188,749) | ($34,214) | $0 | ($205,354) | ($76,006) | $0 | ($48,486) | $110,363 | $1,872,442 |
| 9 | $399,335 | $296,996 | ($194,411) | ($42,699) | $0 | ($203,652) | ($78,286) | $0 | ($48,486) | $128,796 | $2,146,1 |
| 10 | $419,302 | $311,845 | ($200,244) | ($44,407) | $0 | ($201,8) | ($80,635) | $0 | ($48,486) | $155,511 | $2,469,403 |
| 11 | $440,267 | $327,438 | ($206,251) | ($46,184) | $0 | ($199,988) | ($83,054) | $0 | ($48,486) | $183,742 | $2,845,233 |
| 12 | $462,280 | $343,810 | ($212,438) | ($48,031) | $0 | ($198,018) | ($85,546) | ($171,091) | ($48,486) | $42,480 | $3,109,036 |
| 13 | $485,394 | $361,000 | ($196,930) | ($357,991) | $0 | ($195,949) | ($88,112) | ($176,224) | ($48,486) | ($217,298) | $3,133,582 |
| 14 | $509,6 | $379,050 | ($202,838) | ($372,310) | ($226,888) | ($193,776) | ($90,755) | ($181,511) | ($48,486) | ($427,852) | $2,949,484 |
| 15 | $535,147 | $398,002 | ($208,923) | ($27,014) | $0 | ($191,496) | ($93,478) | ($186,956) | ($48,486) | $176,796 | $3,355,712 |
| 16 | $561,905 | $417,903 | ($215,191) | ($28,095) | $0 | ($1,101) | ($96,282) | ($192,565) | ($48,486) | $210,087 | $3,826,832 |
| 17 | $590,000 | $438,798 | ($221,7) | ($29,219) | $0 | ($186,586) | ($99,171) | ($198,342) | ($48,486) | $245,348 | $4,369,859 |
| 18 | $619,500 | $460,738 | ($228,296) | ($30,387) | $0 | ($183,946) | ($102,146) | ($204,292) | ($48,486) | $282,684 | $4,992,463 |
| 19 | $650,475 | $483,775 | ($235,145) | $0 | $0 | ($181,173) | ($105,210) | ($210,421) | ($48,486) | $353,814 | $5,734,628 |
| 20 | $682,999 | $507,963 | ($242,200) | $0 | $0 | ($178,262) | ($108,367) | ($216,733) | ($48,486) | $396,914 | $6,577,623 |
| 21 | $0 | $0 | ($223,235) | $0 | ($279,044) | ($175,206) | ($111,618) | ($223,235) | $0 | ($1,012,338) | $6,076,941 |
| 22 | $0 | $0 | ($229,932) | $0 | $0 | ($171,996) | ($114,966) | ($229,932) | $0 | ($746,827) | $5,802,823 |
| 23 | $0 | $0 | ($236,830) | $0 | $0 | ($168,626) | ($118,415) | ($236,830) | $0 | ($760,702) | $5,493,508 |
| 24 | $0 | $0 | ($243,935) | $0 | $0 | ($165,088) | ($121,968) | ($243,935) | $0 | ($774,926) | $5,145,907 |
| 25 | $0 | $0 | ($251,253) | $0 | $0 | ($161,373) | ($125,627) | ($251,253) | $0 | ($7,506) | $4,756,688 |
| 26 | $0 | $0 | ($258,791) | $0 | $0 | $0 | $0 | ($258,791) | $0 | ($517,582) | $4,609,116 |
| 27 | $0 | $0 | ($266,555) | $0 | $0 | $0 | $0 | ($266,555) | $0 | ($533,109) | $4,434,538 |
| 28 | $0 | $0 | ($274,551) | $0 | ($343,1) | $0 | $0 | ($274,551) | $0 | ($2,292) | $3,887,198 |
| 29 | $0 | $0 | ($282,788) | $0 | $0 | $0 | $0 | ($282,788) | $0 | ($565,576) | $3,623,997 |
| 30 | $0 | $0 | ($291,271) | $0 | $0 | $0 | $0 | ($291,271) | $0 | ($582,543) | $3,323,355 |
| 31 | $0 | $0 | ($300,010) | $0 | $0 | $0 | $0 | $0 | $0 | ($300,010) | $3,281,860 |
| 32 | $0 | $0 | ($309,010) | $0 | $0 | $0 | $0 | $0 | $0 | ($309,010) | $3,228,138 |
| 33 | $0 | $0 | ($318,280) | $0 | $0 | $0 | $0 | $0 | $0 | ($318,280) | $3,160,966 |
| 34 | $0 | $0 | ($327,829) | $0 | $0 | $0 | $0 | $0 | $0 | ($327,829) | $3,079,021 |
| 35 | $0 | $0 | ($337,663) | $0 | $0 | $0 | $0 | $0 | $0 | ($337,663) | $2,980,866 |
| 36 | $0 | $0 | ($347,793) | $0 | $0 | $0 | $0 | $0 | $0 | ($347,793) | $2,8,946 |
| 37 | $0 | $0 | ($358,227) | $0 | $0 | $0 | $0 | $0 | $0 | ($358,227) | $2,729,576 |
| 38 | $0 | $0 | ($368,974) | $0 | $0 | $0 | $0 | $0 | $0 | ($368,974) | $2,572,928 |
| 39 | $0 | $0 | ($380,043) | $0 | $0 | $0 | $0 | $0 | $0 | ($380,043) | $2,393,026 |
| 40 | $0 | $0 | ($391,445) | $0 | $0 | $0 | $0 | $0 | $0 | ($391,445) | $2,187,729 |
| 41 | $0 | $0 | ($403,188) | $0 | $0 | $0 | $0 | $0 | $0 | ($403,188) | $1,954,719 |
| 42 | $0 | $0 | ($415,284) | $0 | $0 | $0 | $0 | $0 | $0 | ($415,284) | $1,691,488 |
| 43 | $0 | $0 | ($427,742) | $0 | $0 | $0 | $0 | $0 | $0 | ($427,742) | $1,395,322 |
| 44 | $0 | $0 | ($440,574) | $0 | $0 | $0 | $0 | $0 | $0 | ($440,574) | $1,063,287 |
| 45 | $0 | $0 | ($453,792) | $0 | $0 | $0 | $0 | $0 | $300,000 | ($153,792) | $992,205 |
| 46 | $0 | $0 | ($233,703) | $0 | $0 | $0 | $0 | $0 | $0 | ($233,703) | $835,684 |
| 47 | $0 | $0 | ($240,714) | $0 | $0 | $0 | $0 | $0 | $0 | ($240,714) | $659,976 |
| 48 | $0 | $0 | ($247,935) | $0 | $0 | $0 | $0 | $0 | $0 | ($247,935) | $463,378 |
| 49 | $0 | $0 | ($255,373) | $0 | $0 | $0 | $0 | $0 | $0 | ($255,373) | $244,050 |
| 50 | $0 | $0 | ($263,034) | $0 | $0 | $0 | $0 | $0 | $0 | ($263,034) | ($0) |
| 51 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 52 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 53 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 54 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 55 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 56 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 57 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 58 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 59 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 60 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 61 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 62 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 63 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) | |
| 65 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | ($0) |
| 输入净现金流量 | IRR= | 7.78% | |||||||||
2）目前资产不变，公积金及一般商业混合贷（现房），首付30%，综合年利6.05%，期限20年，装修80万元，测算内部报酬率6.26%。需要资产配置股票基金类45%、债券货币类55%，预期收益率6.55%，标准差10.51%；
3）变现30万元房产增加首付款，公积金及一般商业混合贷（现房），首付40%，年利6.05%，期限20年，装修80万元，测算内部报酬率6.85%。需要资产配置股票基金类50%、债券货币类50%，预期收益率6.85%，标准差11.61%。
在综合考虑罗先生收入能力、资产状况、风险承受能力、目前市场环境等因素后，我们推荐生涯理财规划为：
目前资产不变，一般商业房贷（现房），首付30%，年利6.3%，期限20年，装修80万元，提前旅游计划（标准不变，12年后子女上大学开始），以此进一步提高罗先生生活质量。需要资产配置情况如下
| 产品类别 | 配置比例 | 预期收益率 | 标准差 |
| 货币市场方向 | 5% | 2.50% | 0.00% |
| 债券市场方向 | 25% | 4% | 4.00% |
| 股票市场方向 | 60% | 10% | 23.00% |
| 另类投资(包括黄金、信托等产品) | 10% | 7% | 8.00% |
| 综合收益率 | 100.00% | 7.83% | 13.86% |
| 风险告示 | |||
| 如果您投资比例如上所示： | |||
| 您大于0%的收益的可能性为 | 71.38% | ||
| 您大于R/2的收益的可能性为 | 61.11% | ||
| 您68%可能性的收益区间为 【 | -5.67% | 22.22% | 】 |
| 84%的可能性大于 | -5.67% | ||
| 您95%可能性的收益区间为 【 | -19.07% | 35.62% | 】 |
| 97.5%的可能性大于 | -19.07% | ||
1)保险产品配置计划
| 保險公司保單名稱 | 险种 | 保额 | 年缴保费 | 被保险人 | 受益人 | 需繳費期 | 说明 |
| 太平人壽兩全險 | 兩全險 | $0 | $0 | 罗先生 | 罗太太 | 0 | 已投保 |
| 太平人壽年金險 | 年金險 | $0 | $0 | 罗先生 | 罗太太 | 0 | 已投保 |
| 新华人寿定期寿险 | 定期寿险 | $0 | $0 | 罗先生 | 罗太太 | 0 | 已投保 |
| 新华人寿定期寿险 | 定期寿险 | $480,000 | $2,400 | 罗先生 | 罗太太 | 20 | 新增 |
| 平安意外伤害保险 | 意外險 | $0 | $0 | 罗先生 | 罗太太 | 1 | 已投保 |
| 平安意外伤害保险 | 意外險 | $2,750,000 | $4,950 | 罗先生 | 罗太太 | 20 | 新增 |
| 友邦住院醫療保險 | 医疗险 | $0 | $0 | 罗先生 | 罗太太 | 1 | 已投保 |
| 友邦住院醫療保險 | 医疗险 | $50,000 | $1,300 | 罗先生 | 罗太太 | 20 | 新增 |
| 国寿祥瑞终身寿险 | 终身寿险 | $300,000 | $0 | 罗先生 | 罗太太 | 0 | 已投保 |
| 国寿祥瑞终身寿险 | 终身寿险 | $0 | $0 | 罗先生 | 罗太太 | 20 | 新增 |
| 太平人壽兩全險 | 兩全險 | $0 | $0 | 罗太太 | 罗先生 | 0 | 已投保 |
| 太平人壽年金險 | 年金險 | $0 | $0 | 罗太太 | 罗先生 | 0 | 已投保 |
| 新华人寿定期寿险 | 定期寿险 | $0 | $0 | 罗太太 | 罗先生 | 0 | 已投保 |
| 新华人寿定期寿险 | 定期寿险 | $780,000 | $3,900 | 罗太太 | 罗先生 | 25 | 新增 |
| 平安意外伤害保险 | 意外險 | $2,050,000 | $3,690 | 罗太太 | 罗先生 | 25 | 新增 |
| 友邦住院醫療保險 | 医疗险 | $50,000 | $1,300 | 罗太太 | 罗先生 | 25 | 新增 |
| 国寿祥瑞终身寿险 | 终身寿险 | $0 | $0 | 罗太太 | 罗先生 | 25 | 新增 |
1．风险资产最优投资组合建议：
最优风险资产投资组合（组合收益率7.8％，方差7.76％）
| 风险资产1国债 | 0.12 | 5% | 1 | 30% | ||
| 风险资产 2公司债 | 0.16 | 7% | 2 | 32% | ||
| 风险资产 3基金 | 0.15 | 9% | 3 | 22% | ||
| 风险资产 4股票 | 0.3 | 14% | 4 | 13% | ||
| 风险资产 5期货基金 | 0.22 | 10% | 5 | 2% |
1) 流动性风险: 急需变现时可能的损失
2) 市场风险: 市场价格可能不涨反跌
3) 信用风险: 个别标的的特殊风险
4) 估计平均报酬率的依据:风险属性分析表与内部报酬率法
5) 预估最高报酬率与最低报酬率的范围: 33.5%到（-17.5%）
6) 过去的绩效并不能代表未来的趋势
十、定期检讨的安排
金融理财师的职责是准确评估客户的财务需求，并在此基础上为您提供高质量的财务建议和长期的定期检讨服务。客户如果有任何疑问，欢迎随时向金融理财师进行咨询。
根据客户的情况，建议半年定期检讨一次，重点关注生活支出变化状况。暂时预约2007年12月初为下次检讨日期，届时若家庭事业有重大变化，需要重新制作理财规划报告书的情况。
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