投资理财规划

我们的团队OurTeam齐心协力共创佳绩！！！理财 案例 全员育人导师制案例信息技术应用案例心得信息技术教学案例综合实践活动案例我余额宝案例 目录第一部分家庭财务状况分析第二部分理财目标分析第三部分假设和预测第四部分理财 方案 气瓶 现场处置方案 .pdf气瓶 现场处置方案 .doc见习基地管理方案.doc关于群访事件的化解方案建筑工地扬尘治理专项方案下载 规划 污水管网监理规划下载职业规划大学生职业规划个人职业规划职业规划论文 及实施第五部分理财后财务状况第一部分家庭基本情况 家庭基本成员 表 关于同志近三年现实表现材料材料类招标技术评分表图表与交易pdf视力表打印pdf用图表说话 pdf ： 家庭资产负债表：（单位：万元） 家庭资产 金额 占比 家庭负债 金额 占比 现金与现金等价物 0 0 住房贷款 0 0 定期存款 20 17% 短期负债 0 0 基金及股票 7 6% 长期负债 0 0 实物资产（房产） 90 77% 其他负债 0 0 资产总计 117 100% 净资产 117 家庭收支表：（单位：万元）（假定基金及股票的年收益为8%） 年收入 金额 年支出 金额 陈先生税后收入 10 日常生活支出 4.8 陈太太税后收入 4.76 其他支出 0 投资收益 0.56 租房支出 1.8 其他收入小计 0 收入总计 15.32 支出合计 6.6 年节余 8.72家庭财务分析（饼图）Chart1 200000 70000 900000家庭资产占比图Sheet1 日期 PPI CPI 1/1/03 102.4 100.4 2/1/03 103.9 100.2 3/1/03 104.6 100.9 4/1/03 103.6 101 5/1/03 102 100.7 6/1/03 101.3 100.3 7/1/03 101.4 100.5 8/1/03 101.4 100.9 9/1/03 101.4 101.1 10/1/03 101.2 101.8 11/1/03 101.9 103 12/1/03 103 103.2 1/1/04 103.5 103.2 2/1/04 103.5 102.1 3/1/04 104 103 4/1/04 105 103.8 5/1/04 105.7 104.4 6/1/04 106.4 105 7/1/04 106.4 105.3 8/1/04 106.8 105.3 9/1/04 107.9 105.2 10/1/04 108.4 104.3 11/1/04 108.1 102.8 12/1/04 107.1 102.4 1/1/05 105.8 101.9 2/1/05 105.4 103.9 3/1/05 105.6 102.7 4/1/05 105.8 101.8 5/1/05 105.9 101.8 6/1/05 105.2 101.6 7/1/05 105.2 101.8 8/1/05 105.3 101.3 9/1/05 104.5 100.9 10/1/05 104 101.2 11/1/05 103.2 101.3 12/1/05 103.2 101.6 1/1/06 103.1 101.9 2/1/06 103 100.9 3/1/06 102.5 100.8 4/1/06 101.9 101.2 5/1/06 102.4 101.4 6/1/06 103.5 101.5 7/1/06 103.6 101 8/1/06 103.4 101.3 9/1/06 103.5 101.5 10/1/06 102.9 101.4 11/1/06 102.8 101.9 12/1/06 103.1 102.8 1/1/07 103.3 102.2 2/1/07 102.6 102.7 3/1/07 102.7 103.3 4/1/07 102.9 103 5/1/07 102.8 103.4 6/1/07 102.5 104.4 7/1/07 102.4 105.6 8/1/07 102.6 106.5 9/1/07 102.7 106.2 10/1/07 103.2 106.5 11/1/07 104.6 106.9 12/1/07 105.4 106.5 1/1/08 106.1 107.1 2/1/08 106.6 108.7 3/1/08 108 108.3 4/1/08 108.1 108.5 5/1/08 108.2 107.7 6/1/08 108.8 107.1 定期存款 200,000 7/1/08 110 106.3 基金及股票 70,000 8/1/08 110.1 104.9 房产 900,000 9/1/08 109.1 104.6 10/1/08 106.6 104 11/1/08 102 102.4 12/1/08 98.9 101.2 1/1/09 96.7 101 2/1/09 95.5 98.4 3/1/09 94 98.8 4/1/09 93.4 98.5 5/1/09 92.8 98.6 6/1/09 92.2 98.3 7/1/09 91.8 98.2 8/1/09 92.1 98.8 9/1/09 93 99.2 10/1/09 94.2 99.5 11/1/09 97.9 100.6 12/1/09 101.7 101.9 1/1/10 104.3 101.5 2/1/10 105.4 102.7Sheet1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0Sheet2 PPICPI近八年来我国cpi与ppi走势图Sheet3 家庭资产占比图 Chart1 43 57节余比率Sheet1 日期 PPI CPI 1/1/03 102.4 100.4 2/1/03 103.9 100.2 3/1/03 104.6 100.9 4/1/03 103.6 101 5/1/03 102 100.7 6/1/03 101.3 100.3 7/1/03 101.4 100.5 8/1/03 101.4 100.9 9/1/03 101.4 101.1 10/1/03 101.2 101.8 11/1/03 101.9 103 12/1/03 103 103.2 1/1/04 103.5 103.2 2/1/04 103.5 102.1 3/1/04 104 103 4/1/04 105 103.8 5/1/04 105.7 104.4 6/1/04 106.4 105 7/1/04 106.4 105.3 8/1/04 106.8 105.3 9/1/04 107.9 105.2 10/1/04 108.4 104.3 11/1/04 108.1 102.8 12/1/04 107.1 102.4 1/1/05 105.8 101.9 2/1/05 105.4 103.9 3/1/05 105.6 102.7 4/1/05 105.8 101.8 5/1/05 105.9 101.8 6/1/05 105.2 101.6 7/1/05 105.2 101.8 8/1/05 105.3 101.3 9/1/05 104.5 100.9 10/1/05 104 101.2 11/1/05 103.2 101.3 12/1/05 103.2 101.6 1/1/06 103.1 101.9 2/1/06 103 100.9 3/1/06 102.5 100.8 4/1/06 101.9 101.2 5/1/06 102.4 101.4 6/1/06 103.5 101.5 7/1/06 103.6 101 8/1/06 103.4 101.3 9/1/06 103.5 101.5 10/1/06 102.9 101.4 11/1/06 102.8 101.9 12/1/06 103.1 102.8 1/1/07 103.3 102.2 2/1/07 102.6 102.7 3/1/07 102.7 103.3 4/1/07 102.9 103 5/1/07 102.8 103.4 6/1/07 102.5 104.4 7/1/07 102.4 105.6 8/1/07 102.6 106.5 9/1/07 102.7 106.2 10/1/07 103.2 106.5 11/1/07 104.6 106.9 12/1/07 105.4 106.5 1/1/08 106.1 107.1 2/1/08 106.6 108.7 3/1/08 108 108.3 4/1/08 108.1 108.5 5/1/08 108.2 107.7 6/1/08 108.8 107.1 定期存款 200,000 7/1/08 110 106.3 基金及股票 70,000 8/1/08 110.1 104.9 房产 900,000 9/1/08 109.1 104.6 10/1/08 106.6 104 11/1/08 102 102.4 12/1/08 98.9 101.2 1/1/09 96.7 101 2/1/09 95.5 98.4 3/1/09 94 98.8 4/1/09 93.4 98.5 5/1/09 92.8 98.6 6/1/09 92.2 98.3 7/1/09 91.8 98.2 8/1/09 92.1 98.8 9/1/09 93 99.2 10/1/09 94.2 99.5 11/1/09 97.9 100.6 12/1/09 101.7 101.9 1/1/10 104.3 101.5 2/1/10 105.4 102.7 年收入 43 年节余 57 股票基金 60 债券基金 25 保本基金 15 50 20 12340.76 240 售房款 90 13464 4488 1 买房首付 70 14137.2 4712.4 2 房子装修 10 14844.06 4948.02 3 活期存入银行 10 15586.263 5195.421 4 16365.57615 5455.19205 5 17183.8549575 5727.9516525 6 18043.047705375 6014.349235125 7 18945.2000906438 6315.0666968812 8 19892.4600951759 6630.8200317253 9 20887.0830999347 6962.3610333116 10 21931.4372549315 7310.4790849772 11 23028.0091176781 7676.003039226 12 24179.409573562 8059.8031911873 13 25388.3800522401 8462.7933507467 14 26657.7990548521 8885.933018284 15 27990.6890075947 9330.2296691982 16 29390.2234579744 9796.7411526581 17 30859.7346308731 10286.578210291 18 32402.7213624168 10800.9071208056 19 34022.8574305376 11340.9524768459 20 35724.0003020645 11908.0001006882 21 37510.2003171677 12503.4001057226 22 39385.7103330261 23 41354.9958496774 24 43422.7456421613 25 45593.8829242694 26 47873.5770704828 27 736065.118480139 172811.402220174 908876.520700313 1689 20268Sheet1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0Sheet2 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0PPICPI近八年来我国cpi与ppi走势图Sheet3 0 0 0家庭资产占比图 节余比率 投资组合 买房首付房子装修活期存入银行售房款90万资金分配图 家庭财务指标分析表：利用SWOT矩阵分析法分析家庭财务状况第二部分假设和预测根据目前的宏观经济形势，预计未来几年我国将会保持目前温和通胀的局面。从历史上看来，4%是我国中长期经济发展中的CPI的均值，在下文的理财策略中我们将使用这一通胀假设。（一）预测通货膨胀率Chart3 102.4 100.4 103.9 100.2 104.6 100.9 103.6 101 102 100.7 101.3 100.3 101.4 100.5 101.4 100.9 101.4 101.1 101.2 101.8 101.9 103 103 103.2 103.5 103.2 103.5 102.1 104 103 105 103.8 105.7 104.4 106.4 105 106.4 105.3 106.8 105.3 107.9 105.2 108.4 104.3 108.1 102.8 107.1 102.4 105.8 101.9 105.4 103.9 105.6 102.7 105.8 101.8 105.9 101.8 105.2 101.6 105.2 101.8 105.3 101.3 104.5 100.9 104 101.2 103.2 101.3 103.2 101.6 103.1 101.9 103 100.9 102.5 100.8 101.9 101.2 102.4 101.4 103.5 101.5 103.6 101 103.4 101.3 103.5 101.5 102.9 101.4 102.8 101.9 103.1 102.8 103.3 102.2 102.6 102.7 102.7 103.3 102.9 103 102.8 103.4 102.5 104.4 102.4 105.6 102.6 106.5 102.7 106.2 103.2 106.5 104.6 106.9 105.4 106.5 106.1 107.1 106.6 108.7 108 108.3 108.1 108.5 108.2 107.7 108.8 107.1 110 106.3 110.1 104.9 109.1 104.6 106.6 104 102 102.4 98.9 101.2 96.7 101 95.5 98.4 94 98.8 93.4 98.5 92.8 98.6 92.2 98.3 91.8 98.2 92.1 98.8 93 99.2 94.2 99.5 97.9 100.6 101.7 101.9 104.3 101.5 105.4 102.7PPICPI近八年来我国cpi与ppi走势图Sheet1 日期 PPI CPI 1/1/03 102.4 100.4 2/1/03 103.9 100.2 3/1/03 104.6 100.9 4/1/03 103.6 101 5/1/03 102 100.7 6/1/03 101.3 100.3 7/1/03 101.4 100.5 8/1/03 101.4 100.9 9/1/03 101.4 101.1 10/1/03 101.2 101.8 11/1/03 101.9 103 12/1/03 103 103.2 1/1/04 103.5 103.2 2/1/04 103.5 102.1 3/1/04 104 103 4/1/04 105 103.8 5/1/04 105.7 104.4 6/1/04 106.4 105 7/1/04 106.4 105.3 8/1/04 106.8 105.3 9/1/04 107.9 105.2 10/1/04 108.4 104.3 11/1/04 108.1 102.8 12/1/04 107.1 102.4 1/1/05 105.8 101.9 2/1/05 105.4 103.9 3/1/05 105.6 102.7 4/1/05 105.8 101.8 5/1/05 105.9 101.8 6/1/05 105.2 101.6 7/1/05 105.2 101.8 8/1/05 105.3 101.3 9/1/05 104.5 100.9 10/1/05 104 101.2 11/1/05 103.2 101.3 12/1/05 103.2 101.6 1/1/06 103.1 101.9 2/1/06 103 100.9 3/1/06 102.5 100.8 4/1/06 101.9 101.2 5/1/06 102.4 101.4 6/1/06 103.5 101.5 7/1/06 103.6 101 8/1/06 103.4 101.3 9/1/06 103.5 101.5 10/1/06 102.9 101.4 11/1/06 102.8 101.9 12/1/06 103.1 102.8 1/1/07 103.3 102.2 2/1/07 102.6 102.7 3/1/07 102.7 103.3 4/1/07 102.9 103 5/1/07 102.8 103.4 6/1/07 102.5 104.4 7/1/07 102.4 105.6 8/1/07 102.6 106.5 9/1/07 102.7 106.2 10/1/07 103.2 106.5 11/1/07 104.6 106.9 12/1/07 105.4 106.5 1/1/08 106.1 107.1 2/1/08 106.6 108.7 3/1/08 108 108.3 4/1/08 108.1 108.5 5/1/08 108.2 107.7 6/1/08 108.8 107.1 定期存款 200,000 7/1/08 110 106.3 基金及股票 70,000 8/1/08 110.1 104.9 房产 900,000 9/1/08 109.1 104.6 10/1/08 106.6 104 11/1/08 102 102.4 12/1/08 98.9 101.2 1/1/09 96.7 101 2/1/09 95.5 98.4 3/1/09 94 98.8 4/1/09 93.4 98.5 5/1/09 92.8 98.6 6/1/09 92.2 98.3 7/1/09 91.8 98.2 8/1/09 92.1 98.8 9/1/09 93 99.2 10/1/09 94.2 99.5 11/1/09 97.9 100.6 12/1/09 101.7 101.9 1/1/10 104.3 101.5 2/1/10 105.4 102.7 年收入 153,200 年节余 87200Sheet1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0Sheet2 PPICPI近八年来我国cpi与ppi走势图Sheet3 家庭资产占比图 结余比率 （二）投资回报率长期而言，股票市场的表现与宏观经济息息相关，在宏观经济向好的情况下，股市表现大都出色，从近8的数据来看，A股市场年均可提供8%的投资回报率。房产增值率与房租增长率工资增长率孩子赡养年限公积金上限及利率假设陈先生及其妻子工资每年以5%增长，一直到50岁。假设房产市场价格稳定，年度增长率与通货膨胀率保持相等，为4%。假设从孩子出生到经济独立的赡养年限为20年假设广州的个人公积金贷款上限及利率保持今年水平：上限50万，利率为4.7%（三）（四）（五）（六）其他假设第三部分理财目标分析理财目标二、两年内生个宝宝，20年筹备100万的高等教育费一、1年后购买一部15万左右的家用轿车三、3年后在市区再购一套60平米的房屋四、60岁退休时储备200余万元养老金，并为家庭建立完备的保障 计划 项目进度计划表范例计划下载计划下载计划下载课程教学计划下载 从而实现人生各阶段的目标与理想！安全性流动性赢利性第四部分理财方案规划及实施 理财的最终目标：在广州买一部15万元左右的车子，各类费用合计需17万元左右，每年的汽油费、养路费保险费等养车的费用每年大约两万。这笔费用不是太大，建议动用20万的定期存款，转为活期，一次性支付车款。根据现在的车市情况和拟定车价，建议购买排量在1.6-1.8的经济型私家车。（一）、购车规划：有车啦!！老婆我载你去上班!!!（二）换房规划在广州市区购买一套60平米的房子总价约为120万，因为是大学教师可以享用公积金优惠，我们建议利用卖房所得90万首付70万，贷款50万15年期等额本息还款。我们估算买卖房各类费用以及装修大概15万元左右，我们建议直接动用卖旧房所得的钱。其余的钱可以放入银行存活期,作为流动资金。PV=50万元，N=15,R=4.70%,PMT=-47199（元）根据该家庭的要求，120万买60平米两居室的房子，，单价在20,000元/平方，初步定位在广州市区内及大学城周边。我们建议可以考虑以下几个板块的物业： 1、华景新城－天河北超大型财智文化社区，位于天河北CEO总裁商务圈。 2、天河北岸·侨英花园位于暨南大学华文学院东南角，小区东临粤垦路，南临东莞庄路和广园快速路，与火车东站和地铁站隔路相户，交通便捷。 3、番禺板块，珠江花园，位于番区 海珠路迎宾大道旁。买的安心!!住的舒心!!!教育基金需求表：（单位：元） （三）、孩子教育规划：孩子上大学的费用无忧啦！！！ 年龄 阶段 时间距离 高等教育费用 未出生 未出生 20 1000000 FV=1000000,I=8%,N=20,PMT=21852(元)资金来源由每年节余提供,资金投向我们制定的投资组合,收益率达到我们预测的8%即可。家财险：保额30万元保费150元左右资金来源年节余资金投向交保费（中国人民财产保险）  （四）、家庭保障规划：人寿险：建议选择终身寿险及附加重疾、意外险(缴费年限25年)陈先生保额：60万元 保费：7200元左右陈太太保额：50万元 保费：6000元左右孩子保额：10万元保费：800元左右资金来源 年节余资金投向 交保费（建议购买中国平安终身寿险）年度结余所剩无几？但保险规划做好了，值！社会保险：案例中没有提到夫妇参加社会保险，而社会保险相比商业保险费用低廉保障充分，是国家对个人提供的基本和全面的保障，故强烈建议两人立即参加社会保险。（五）、退休养老规划陈先生家庭每年用于缴纳社会保险的费用：到陈先生60岁退休时，陈先生家庭的社会养老金账户大概有90万元。剩下的110万养老基金需求由每年节余提供（节余不够时动用活期存款）,资金投向股票或基金,只要收益率达到我们预测的8%即可。每年需投入的养老基金为：FV=1100000,I=8%,N=27,PMT=12593(元)家庭养老基金：家庭社保账户：晚年生活无忧啦！！！（六）投资计划为了实现教育及养老基金的储备，我们用统一的投资组合计划来实现。虽然目前国内A股的波动性较大，投资风险相对较大，但是在收益方面，投资股票、基金收益较大。我们建议不改变的之前投资在基金、股票中的7万元，将每年的节余投入基金与股票市场，作为教育基金以及养老基金。剩余的结余则存入银行作为流动资金，或年终作为全家的旅游费用，提高家庭生活水平。钱生钱，教育养老不缺钱!!!推荐投资组合组合的平均期望收益率为：我们根据陈先生家庭情况，制定了稳健的投资组合，只要年收益为8%。20年后可取出100万元用于孩子的教育基金，可实现孩子的高等教育费用。其余资金继续投资，用于养老基金储备。第五部分理财后财务状况Chart3 147600 122445 59455 154980 142365 46915 162729 158361.8 38667.2 170865.45 207650.472 -2485.022 179408.7225 210545.21088 3163.51162 188379.158625 213563.0893152 9116.0693098 197798.11655625 216709.400387808 25388.716168442 207688.022384063 219989.66727832 32458 218072.423503266 223409.653388203 38962 228976.044678429 226975.372913419 41300 240424.84691235 230693.101889127 42561 252446.089257968 234569.389726823 52176.6995311449 265068.393720866 238611.071266133 60757.3224547334 278321.81340691 242825.279364527 69796.5340423826 292237.904077255 247219.458049244 79318.4460280107 306849.799281118 251801.376256857 89348.4230242606 322192.289245174 256579.142187057 99913.1470581169 322192.3 261561.218298461 94931.0817015393 322192.3 220244.436975517 126247 322192.3 225662.016896911 130830.283103089 322192.3 175766.910865604 170725 322192.3 179973.867300228 176518.432699772 322192.3 184349.101992237 72143 223867.08 188899.346071927 69267.733928073 223867.08 193631.599914804 64535.4800851959 223867.08 198553.143911396 59613.9360886037 223867.08 203671.549667852 54495.5303321479年收入年支出年结余年份（第x年）金额（元）理财后财务状况Sheet1 年收入 年支出 年结余 34300 129.41% 107.70% 107.70% 229.41% 7.700% 129.41% 147600 122445 59455 34300 82445 166.57% 112.85% 112.85% 266.57% 12.850% 166.57% 154980 142365 46915 34300 6.84% 112.67% 112.67% 106.84% 12.670% 6.84% 162729 158361.8 38667.2 34300 -22.30% 111.81% 111.81% 77.70% 11.810% -22.30% 170865.45 207650.472 -2485.022 34300 投资资产 流动资金 -14.29% 109.73% 109.73% 85.71% 9.730% -14.29% 179408.7225 210545.21088 3163.51162 34300 70000 65.14% 108.86% 108.86% 165.14% 8.860% 65.14% 188379.158625 213563.0893152 9116.0693098 34300 120000 30.22% 108.18% 108.18% 130.22% 8.180% 30.22% 197798.11655625 216709.400387808 25388.716168442 34300 -3.97% 106.80% 106.80% 96.03% 6.800% -3.97% 207688.022384063 219989.66727832 32458 34300 19.18% 106.69% 106.69% 119.18% 6.690% 19.18% 218072.423503266 223409.653388203 38962 34300 51.73% 107.58% 107.58% 151.73% 7.580% 51.73% 228976.044678429 226975.372913419 41300 34300 -20.62% 107.52% 107.52% 79.38% 7.520% -20.62% 240424.84691235 230693.101889127 42561 34300 -17.52% 108.35% 108.35% 82.48% 8.350% -17.52% 252446.089257968 234569.389726823 52176.6995311449 34300 10.27% 109.34% 109.34% 110.27% 9.340% 10.27% 265068.393720866 238611.071266133 60757.3224547334 34300 -15.40% 109.43% 109.43% 84.60% 9.430% -15.40% 278321.81340691 242825.279364527 69796.5340423826 34300 -8.33% 110.66% 110.66% 91.67% 10.660% -8.33% 292237.904077255 247219.458049244 79318.4460280107 34300 130.43% 112.05% 112.05% 230.43% 12.050% 130.43% 306849.799281118 251801.376256857 89348.4230242606 34300 96.66% 113.57% 113.57% 196.66% 13.570% 96.66% 322192.289245174 256579.142187057 99913.1470581169 34300 -65.39% 109.07% 109.07% 34.61% 9.070% -65.39% 322192.3 261561.218298461 94931.0817015393 34300 79.98% 108.56% 108.56% 179.98% 8.560% 79.98% 322192.3 220244.436975517 126247 34300 14.31% 110.10% 110.10% 114.31% 10.100% 14.31% 322192.3 225662.016896911 130830.283103089 34300 322192.3 175766.910865604 170725 34300 322192.3 179973.867300228 176518.432699772 34300 322192.3 184349.101992237 72143 34300 223867.08 188899.346071927 69267.733928073 34300 223867.08 193631.599914804 64535.4800851959 34300 1978 111.6699188015 111.6699188015 104.1428090266 115.0394059793 116.3883385225 99.4266994267 113.8120096895 110.185533527 223867.08 198553.143911396 59613.9360886037 34300 1979 107.5728538414 107.5728538414 106.13410953 108.1983920281 108.6575875486 101.9769357496 107.8587933786 106.1474449774 223867.08 203671.549667852 54495.5303321479 34300 1980 107.8414420079 107.8414420079 98.5170137125 113.5688121402 112.6566696509 126.7366720517 105.9984825746 106.4973255474 1981 105.1979275215 105.2431095252 106.9828148793 101.8659076534 101.7394320829 103.1713554987 110.4205387529 103.9035997852 1982 109.2492267357 109.0568706577 111.5290768605 105.5617155276 105.7720409157 103.4209221616 112.975387185 107.4631263972 1983 111.1304984107 110.852979324 108.3257368581 110.3651107096 109.7213907437 117.0661553212 115.1730764925 109.2627263836 1984 115.3036323362 115.1760211983 112.8807854137 114.4814984011 114.8535213632 110.8517608518 119.3491900969 113.6741551193 1985 113.216303275 113.4661925961 101.8438447393 118.5687682894 118.2093915586 122.2016992981 118.1614108132 111.932136236 1986 108.5405484818 108.8463766589 103.3183681437 110.2198788423 109.6420180537 115.8706166868 112.0443681045 107.2393776878 1987 111.51791904 111.5832637805 104.7043264689 113.6946564886 113.2432965856 117.8711192278 114.3559481655 109.8076731195 1988 111.3100441202 111.2805836504 102.5442078672 114.5181504857 115.2524648939 107.9902611775 113.159784586 109.5037389145 1989 104.1574151152 104.0632032186 103.0749604082 103.7679063495 105.0550874919 91.5556466489 105.3602263414 102.4799057451 1990 104.0672596072 103.8390249382 107.3278989373 103.1696706029 103.3518404277 101.186478621 102.3348568302 102.326064577 1991 109.1078363572 109.178936699 102.3998405422 113.8544069246 114.3919510061 109.56481266 108.8726717822 107.6998532746 1992 114.0651774163 114.2407063564 104.7008214272 121.1538023809 121.1688973869 121.0280373832 112.4425802496 112.8491893017 1993 113.6676992601 113.9643146603 104.7017048095 119.8660441697 120.0900512324 117.9975429975 112.1862656557 112.6616608821 1994 113.1074950817 113.080681834 104.0004971767 118.3595739845 118.9112952678 113.675912843 111.0910208316 111.8097712355 1995 109.3338199089 110.9249803261 105.0007682983 113.8755727415 114.0420798279 112.3969645427 109.8396159223 109.7262939748 1996 110.1923580122 110.0085234493 105.1008130081 112.106358731 112.5055715974 108.5093999185 109.4265136236 108.8615001606 1997 109.6273050479 109.297033756 103.4995436051 110.4789813542 111.3204947118 102.6176044628 110.7170085458 108.1841379181 1998 107.3123388386 107.8333468618 103.4993049223 108.9104216254 108.8999267581 109.0167790497 108.3722613843 106.8035800111 1999 107.9446230649 107.6198357217 102.8 108.1357305734 108.5164327699 104.2817414653 109.3298045451 106.6920303791 2000 108.5544563637 108.4312794503 102.3999869624 109.4290509162 109.785958082 105.6692261713 109.7489366063 107.580245328 2001 108.0552600156 108.3003175914 102.8000710956 108.4415157193 108.6702537691 106.7832880435 110.2574220813 107.5164952669 2002 109.5460939048 109.0820679696 102.9000252697 109.8292919222 109.9704709564 108.7877341986 110.4423089241 108.3536614707 2003 110.6371557587 110.0253787615 102.4999515313 112.6719068717 112.7508087147 112.0834746605 109.5030011253 109.342203482 2004 110.4116429231 110.0850398745 106.3000268083 111.1124548111 111.51 108.13 110.0564360984 109.4331258365 2005 112.0387256903 111.3100352233 105.2307205348 112.0823246506 111.5765897835 115.9950366241 112.2298200525 110.6573143789 2006 112.7746483178 112.6765342132 105 113.3911250153 112.8760849198 117.2278897986 114.1382555753 112.0491305887 2007 114.362554633 114.1623949967 103.744 115.0633296933 114.9068368913 116.1858378158 115.9840316076 113.5677112105 2008 109.5915497425 109.6346682113 105.3784804908 109.8774621653 109.9303874062 109.5020134309 110.4029413589 109.0743512203 2009 109.3009745414 109.1130745402 104.1835488676 109.940379042 108.7307055008 118.5553067337 109.3228814687 108.5619280409 股票基金 60% 债券基金 25% 保本基金 15% 0.002 34445 年份 现金流入 现金流出 先生 妻子 cpi前提支出 孩子支出 房贷 车费用 保险费用 年收入 年支出 年结余 每年累计盈余 教育基金 养老基金 2011 147600 84600 8069163.06355233 33 1 100000 47600 48000 40000 147600 122445 25155 25155 21852 12593 40000 59600 2012 154980 131562 34 2 105000 49980 49920 18000 40000 154980 142365 12615 37770 21852 12593 40000 47060 2013 162729 153582 35 3 110250 52479 51916.8 14000 18000 40000 162729 158361.8 4367.2 42137.2 21852 12593 40000 38812.2 2014 170865.45 174712.222 36 4 115762.5 55102.95 53993.472 14700 46512 18000 40000 170865.45 207650.472 -36785.022 5352.178 21852 12593 40000 -2340.022 2015 179408.7225 177682.29838 37 5 121550.625 57858.0975 56153.21088 15435 46512 18000 40000 179408.7225 210545.21088 -31136.48838 -25784.31038 21852 12593 40000 -129655.599680953 3308.51162 2016 188379.158625 180779.2811902 38 6 127628.15625 60751.002375 58399.3393152 16206.75 46512 18000 40000 188379.158625 213563.0893152 -25183.9306902 -50968.2410702 21852 12593 40000 9261.0693098 2017 197798.11655625 184008.651856558 39 7 134009.5640625 63788.55249375 60735.312887808 17017.0875 46512 18000 40000 197798.11655625 216709.400387808 -18911.283831558 -69879.524901758 21852 12593 40000 -113555.98289272 15533.716168442 2018 207688.022384063 187376.131320508 40 8 140710.042265625 66977.9801184375 63164.7254033203 17867.941875 46512 18000 40000 207688.022384063 219989.66727832 -12301.6448942578 -82181.1697960158 21852 12593 40000 22143.3551057422 2019 218072.423503266 190887.6906325 41 9 147745.544378906 70326.8791243594 65691.3144194531 18761.33896875 46512 18000 40000 218072.423503266 223409.653388203 -5337.2298849375 -87518.3996809533 21852 12593 40000 29107.7701150625 2020 228976.044678429 194549.562019931 42 10 155132.821597852 73843.2230805774 68318.9669962313 19699.4059171875 46512 18000 40000 228976.044678429 226975.372913419 2000.6717650102 -85517.7279159431 21852 12593 40000 -127654.927915943 36445.6717650102 2021 240424.84691235 198368.250450965 43 11 162889.462677744 77535.3842346062 71051.7256760805 20684.3762130469 46512 18000 40000 240424.84691235 230693.101889127 9731.745023223 -75785.9828927202 21852 12593 40000 44176.745023223 2022 252446.089257968 202350.545716752 44 12 171033.935811631 81412.1534463365 73893.7947031238 21718.5950236992 46512 18000 40000 252446.089257968 234569.389726823 17876.6995311449 -57909.2833615752 21852 12593 40000 -129655.599680953 52321.6995311449 2023 265068.393720866 206503.535055559 45 13 179585.632602213 85482.7611186534 76849.5464912487 22804.5247748842 46512 18000 40000 265068.393720866 238611.071266133 26457.3224547334 -31451.9609068418 21852 12593 40000 60902.3224547334 2024 278321.81340691 210834.616343424 46 14 188564.914232324 89756.8991745861 79923.5283508987 23944.7510136284 46512 18000 40000 278321.81340691 242825.279364527 35496.5340423826 4044.5731355408 21852 12593 40000 69941.5340423826 2025 292237.904077255 215351.511877086 47 15 197993.15994394 94244.7441333154 83120.4694849346 25141.9885643098 46512 18000 40000 292237.904077255 247219.458049244 45018.4460280107 49063.0191635516 21852 12593 40000 79463.4460280107 2026 306849.799281118 0 48 16 207892.817941137 98956.9813399811 86445.288264332 26399.0879925253 46512 18000 40000 306849.799281118 251801.376256857 55048.4230242606 104111.442187812 21852 12593 40000 89493.4230242606 2027 322192.289245174 0 49 17 218287.458838194 103904.83040698 89903.0997949053 27719.0423921516 46512 18000 40000 322192.289245174 256579.142187057 65613.1470581169 169724.589245929 21852 12593 40000 100058.147058117 年收入 年支出 年结余 2028 338301.903707433 0 50 18 218287.5 103904.8 93499.2237867015 29104.9945117592 46512 18000 40000 322192.3 261561.218298461 60631.0817015393 230355.670947468 21852 12593 40000 95076.0817015393 147600 122445 25155 2029 355216.998892804 0 51 19 218287.5 103904.8 97239.1927381696 30560.2442373471 18000 40000 322192.3 220244.436975517 101947.863024483 307148.533971952 21852 12593 40000 136392.863024483 154980 142365 12615 2030 372977.848837444 0 52 20 218287.5 103904.8 101128.760447696 32088.2564492145 18000 40000 322192.3 225662.016896911 96530.2831030892 391063.817075041 21852 12593 40000 130975.283103089 162729 158361.8 4367.2 2031 391626.741279317 188173.910865604 53 21 218287.5 103904.8 105173.910865604 18000 40000 322192.3 175766.910865604 146425.389134396 575259.206209437 12593 40000 159018.389134396 170865.45 207650.472 3214.978 2032 411208.078343283 192380.867300228 54 22 218287.5 103904.8 109380.867300228 18000 40000 322192.3 179973.867300228 142218.432699772 717477.638909208 12593 40000 154811.432699772 179408.7225 210545.21088 -31136.48838 -89655.5996809533 2033 431768.482260447 196756.101992237 55 23 218287.5 103904.8 113756.101992238 18000 40000 322192.3 184349.101992237 137843.198007762 855320.836916971 12593 40000 150436.198007762 188379.158625 213563.0893152 -25183.9306902 2034 453356.906373469 201306.346071927 56 24 218287.5 5579.58 118306.346071927 18000 40000 223867.08 188899.346071927 34967.733928073 890288.570845044 12593 40000 47560.733928073 197798.11655625 216709.400387808 -18911.283831558 2035 476024.751692142 206038.599914804 57 25 218287.5 5579.58 123038.599914804 18000 40000 223867.08 193631.599914804 30235.4800851959 920524.05093024 12593 40000 42828.4800851959 207688.022384063 219989.66727832 -12301.6448942578 2036 499825.98927675 210960.143911396 58 26 218287.5 5579.58 127960.143911396 18000 40000 223867.08 198553.143911396 25313.9360886037 945837.987018843 12593 40000 37906.9360886037 218072.423503266 223409.653388203 -5337.2298849375 2037 524817.288740587 216078.549667852 59 27 218287.5 5579.58 133078.549667852 18000 40000 223867.08 203671.549667852 20195.5303321479 966033.517350991 12593 40000 32788.5303321479 228976.044678429 226975.372913419 2000.6717650102 240424.84691235 230693.101889127 9731.745023223 投资资产 流动资金 252446.089257968 234569.389726823 17876.6995311449 70000 总计 4766911.63560206 1875748.55854658 2260042.29136415 393853.385433504 697680 468000 1080000 265068.393720866 238611.071266133 26457.3224547334 120000 278321.81340691 242825.279364527 35496.5340423826 292237.904077255 247219.458049244 45018.4460280107 306849.799281118 251801.376256857 55048.4230242606 322192.289245174 256579.142187057 65613.1470581169 322192.3 261561.218298461 60631.0817015393 322192.3 220244.436975517 101947.863024483 322192.3 225662.016896911 96530.2831030892 322192.3 175766.910865604 146425.389134396 322192.3 179973.867300228 142218.432699772 322192.3 184349.101992237 137843.198007762 223867.08 188899.346071927 34967.733928073 223867.08 193631.599914804 30235.4800851959 223867.08 198553.143911396 25313.9360886037 223867.08 203671.549667852 20195.5303321479 投资资产 流动资金 流动资金 投资资产 投资资产 流动资金 59600 34445 25155 104445 25155 25155 104445 70000 21852 12593 47060 34445 12615 138890 67770 8355.6 147245.6 67770 8355.6 138890 147245.6 21852 12593 38812.2 34445 4367.2 173335 117770 11111.2 184446.2 117770 19466.8 11111.2 173335 184446.2 21852 12593 -2340.022 34445 -36785.022 207780 117770 13866.8 221646.8 117770 13866.8 207780 221646.8 21852 12593 3308.51162 34445 -31136.48838 242225 117770 16622.4 258847.4 117770 16622.4 242225 258847.4 21852 12593 9261.0693098 34445 -25183.9306902 276670 117770 19378 296048 117770 19378 276670 296048 21852 12593 15533.716168442 34445 -18911.283831558 311115 117770 22133.6 333248.6 117770 22133.6 311115 333248.6 355382.2 21852 12593 22143.3551057422 34445 -12301.6448942578 345560 117770 24889.2 370449.2 117770 24889.2 345560 370449.2 395338.4 21852 12593 29107.7701150625 34445 -5337.2298849375 380005 117770 27644.8 407649.8 117770 27644.8 380005 407649.8 435294.6 455235 21852 12593 36445.6717650102 34445 2000.6717650102 414450 119770.67176501 30400.4 444850.4 117770 30400.4 414450 444850.4 475250.8 562015 21852 12593 44176.745023223 34445 9731.745023223 448895 129502.416788233 33156 482051 117770 33156 448895 482051 515207 608458 21852 12593 52321.6995311449 34445 17876.6995311449 483340 147379.116319378 35911.6 519251.6 117770 35911.6 483340 519251.6 555163.2 656584 21852 12593 60902.3224547334 34445 26457.3224547334 517785 173836.438774111 38667.2 556452.2 117770 38667.2 517785 556452.2 595119.4 716636 21852 12593 69941.5340423826 34445 35496.5340423826 552230 209332.972816494 41422.8 593652.8 117770 41422.8 552230 593652.8 635075.6 774855 21852 12593 79463.4460280107 34445 45018.4460280107 607278.423024261 210000 44178.4 651456.823024261 210000 44178.4 607278.423024261 651456.823024261 695635.223024261 854752 21852 12593 89493.4230242606 34445 55048.4230242606 672891.570082378 210000 48582.2738419409 721473.843924318 210000 48582.2738419409 672891.570082378 721473.843924318 770056.117766259 925485 21852 12593 100058.147058117 34445 65613.1470581169 733522.651783917 210000 53831.3256065902 787353.977390507 210000 53831.3256065902 733522.651783917 787353.977390507 841185.302997097 106869 21852 12593 95076.0817015393 34445 60631.0817015393 835470.5148084 210000 58681.8121427134 894152.326951114 210000 58681.8121427134 835470.5148084 894152.326951114 952834.139093827 112684 21852 12593 136392.863024483 34445 101947.863024483 932000.797911489 210000 66837.641184672 998838.439096162 210000 66837.641184672 932000.797911489 998838.439096162 1065676.08028083 120596 21852 12593 130975.283103089 34445 96530.2831030892 1056574.18704589 210000 74560.0638329192 1131134.2508788 210000 74560.0638329192 1056574.18704589 1131134.2508788 1205694.31471172 136784 21852 12593 159018.389134396 34445 124573.389134396 1198792.61974566 210000 84525.9349636708 1283318.55470933 210000 84525.9349636708 1198792.61974566 1283318.55470933 1367844.489673 152284 12593 154811.432699772 12593 142218.432699772 1336635.81775342 210000 95903.4095796526 1432539.22733307 210000 0 95903.4095796526 1336635.81775342 1432539.22733307 1528442.63691272 168729 12593 150436.198007762 12593 137843.198007762 1371603.55168149 210000 106930.865420274 1478534.41710177 210000 106930.865420274 1371603.55168149 1478534.41710177 1585465.28252204 715843 12593 47560.733928073 12593 34967.733928073 1401839.03176669 210000 109728.284134519 1511567.31590121 210000 109728.284134519 1401839.03176669 1511567.31590121 1621295.60003573 12593 42828.4800851959 12593 30235.4800851959 1427152.96785529 210000 112147.122541335 1539300.09039663 210000 112147.122541335 1427152.96785529 1539300.09039663 1651447.21293796 12593 37906.9360886037 12593 25313.9360886037 1447348.49818744 210000 114172.237428423 1561520.73561586 210000 114172.237428423 1447348.49818744 1561520.73561586 1675692.97304429 12593 32788.5303321479 12593 20195.5303321479 1447348.49818744 210000 115787.879854995 1563136.37804243 210000 115787.879854995 1447348.49818744 1563136.37804243 1678924.25789743 12593 115787.879854995 115787.879854995 1525214.7303867 投资资产 33 1 104445 8355.6 121824.648 34 2 138890 11111.2 162001.296 35 3 173335 13866.8 202177.944 36 4 207780 16622.4 242354.592 37 5 242225 19378 282531.24 38 6 276670 22133.6 322707.888 39 7 311115 24889.2 362884.536 40 8 345560 27644.8 403061.184 41 9 380005 30400.4 443237.832 42 10 414450 33156 483414.48 43 11 448895 35911.6 523591.128 44 12 483340 38667.2 563767.776 45 13 517785 41422.8 603944.424 46 14 552230 44178.4 644121.072 47 15 607278.423024261 48582.2738419409 708329.552615498 48 16 672891.570082378 53831.3256065902 784860.727344085 49 17 733522.651783917 58681.8121427134 855580.821040761 50 18 835470.5148084 66837.641184672 974492.808472518 51 19 932000.797911489 74560.0638329192 1087085.73068396 52 20 1056574.18704589 84525.9349636708 1232388.13177032 53 21 1198792.61974566 95903.4095796526 1398271.71167133 117067 54 22 1336635.81775342 106930.865420274 1559052.01782759 55 23 1371603.55168149 109728.284134519 1599838.38268129 56 24 1401839.03176669 112147.122541335 1635105.04665267 57 25 1427152.96785529 114172.237428423 1664631.22170641 58 26 1447348.49818744 115787.879854995 1688187.28828583 59 27 1447348.49818744 115787.879854995 1688187.28828583Sheet1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0Sheet2 0.077 1.2941 0.1285 1.6657 0.1267 0.0684 0.1181 -0.223 0.0973 -0.1429 0.0886 0.6514 0.0818 0.3022 0.068 -0.0397 0.0669 0.1918 0.0758 0.5173 0.0752 -0.2062 0.0835 -0.1752 0.0934 0.1027 0.0943 -0.154 0.1066 -0.0833 0.1205 1.3043 0.1357 0.9666 0.0907 -0.6539 0.0856 0.7998 0.101 0.1431Sheet3 投资组合 现金流入现金流出年份金额理财后现金流量情况 &APage&P年收入年支出年结余年份（第x年）金额（元）理财后财务状况 &APage&P年收入年支出年结余理财后财务状况 理财后财务状况分析年结余在多数期间内保持在5万元以上，确保了该家庭的现金偿付能力。 年结余的上限一直保持在20万元以下，避免了过多资产闲置，保证了资产的赢利性。 在第四年，由于要供房养车养孩子以及购买各类保险保障，家庭年每年收入少于年支出，之后年节余也保持递增。 4.后五年，由于太太不再工作，该家庭每年的收入减少，但仍保持盈余。