理财计划书模板.docx

理财计划书模板 篇一：理财策划书模版　　学 院： 专 业： 姓 名： 指导老师： 　　个人理财 策划书  　　学 号： 　　职 称： 中国·珠海　　目录 　　第一部分 理财目标·····················································3 　　1.1 个人财务管理························································3　　1.1.1 应急金准备····················································3 1.1.2 基金定投······················································3 1.2个人创业金准备·······················································3　　第二部分 个人基本情况···············································4　　2.1 个人情况总结·······················································4 2.2 个人资产负债表·····················································4　　第三部分 个人财务状况···············································5　　3.1 个人收支情况······················································5 3.2 个人财务健康指标检查··············································5　　第四部分 风险偏好测试分析··········································6 第五部分 理财投资的具体计划·······································8　　5.1 投资工具的选择与依据···············································8 5.2 投资分配比例························································8 5.3 确定可行性···························································9 5.4 调整··································································9　　第六部分 结语···························································9　　第一部分 理财目标　　回想起之前去做暑假工穷到连饭都吃不起的时候真是一个悲剧；平日里听到兄弟朋友有难要用钱而自己又爱莫能助的时候也是个悲剧。我个人是比较喜欢独立的，尤其是经济上的，同时，家里也不富裕，由于这些种种的经历和环境下让我充分感受到了金钱的重要性，也由此萌生了金钱是幸福指数重要物质基础的观念。没钱你什么也做不成，注定一辈子庸庸碌碌，更别说做什么大事了！也许有人会反驳我心态不好，但我想说，在你饥饿的时候心态好可以当饭吃么？所以，现在最重要的是理财投资，这是钱生钱至关重要的前提与条件。　　正所谓：你不理财，财不理你！这是一种主动的意识和行为。从小的方面来看这可以控制好自己的经济状况，让自己的生活过的有规律；从大的方面来看这是规划人生所必须的，不会理(转载自：www.xiaocaOfaNW 小草 范 文 网:理财计划书模板)财的人生将是困难的人生。　　而理财的关键是：挣钱，管钱，花钱。首先，我想通过理财来改变目前拮据的经济状况；其次，通过理财积累必要的投资资本，为以后的生活，创业打下一定的基础；最后，通过理财来规划自己的人生，使自己过的更加幸福，更加完美！　　1.1 个人财务管理　　1.1.1应急金准备　　·现钞应急，抽屉里存放200元左右的现钞用于不时之需。　　·储蓄应急，准备了两张银行卡将资金分开储蓄。一张为农行卡，一张为工商卡，保证运用的灵活性农行卡为日常消费使用，而工商卡为投资使用，且总保持至少有XX元的存款。打算在一般情况保持现有资金的40%作为应急。　　·朋友应急，先和朋友事先打好招呼，一旦资金出现紧张，可以随时借用朋友的资金作为周转。　　·父母救急，一旦出现意外情况，迫不得已只能求救