老年人投资理财案(自己).doc

老年人投资理财方案 第一节 理财声明 “专业理财 保障和提升退休生活” 本理财方案是以陈先生夫妇目前家庭及经济等状况为依据，详细分析了客户的家庭情况、经济状况和理财需求，进行了各种理财产品的比较，供客户参考。以便客户选出最适合自己的理财产品及其组合，希望能让客户的资产有效抵御通货膨胀，并实现资产保值增值,使客户的退休生活更有保障。 一、理财基本目标： 1、优化投资理财组合，收入来源多元化。 2、购买合适的老年保险，加强长期及全面保障。 3、有效运用金融投资工具，使资产得到保值增值。 4、增加现金持有量，增强短期支付能力。 二、理财基本原则： 理财的基本原则：在安全有保障的提前下，实现资产保值增值。 第二节 客户基本情况分析 家庭情况： 1、陈先生：72岁，退休12年，平时比较清闲，曾有相关理财经历，有两住宅，自住，有养老保险、医疗保险，属小康之家。 2、陈先生夫人：70岁，退休15年，有养老保险、医疗保险。 3、陈先生孩子：两个，均已成家立业，且有较独立的经济基础。 二、经济状况及分析 （一）、经济状况 陈先生家庭经济状况表： 表1：月度收支情况表 每月收支状况 （单位／元年度收支状况 单位／元光大银行 - 阳光理财A计划2014年第十期外币产品5(一年 poverty alleviation, making stable poverty of village and exit in a timely manner, should support poverty alleviation into, from the ... The stability of families, not simply one off, not only to help a horse, and giving a lift to prevent poverty and returning again. (D) to co-ordinate the configuration resource for poverty alleviation. One hand to work actively towards a superior policy. Central work Conference of poverty-alleviation, Central Government of General transfer payments, various types of special transfer payments involving the peoples livelihood, in order to further to poor areas. National Revolutionary development seminars presented five closely around the, developed to support development and construction of old revolutionary views. Prime Minister Li keqiang on the CPPCC was specifically proposed in the Government work report: national waste management policies and the peoples livelihood projects to impoverished areas. Meanwhile, provinces and cities will also be supporting the introduction of appropriate policies. These policies is very large, the ... ... For counties not only opportunities for poverty eradication, it is catching up, promote the development of opportunities in the surrounding area. Departments at all levels must firmly grasp this golden opportunity, let these opportunities become crucial for poverty eradication not only a powerful lever, also became ... ... Powerful breakthrough to overall devel