论文部分内容阅读
陈先生今年35岁,三口之家,通过对他家庭的理财需求分析,理财师给出以下理财建议:一、陈先生应增加购买中美大都会人寿保险公司的20万元保额的定期寿险(10年期);二、为陈先生夫妇准备退休金的退休规划,包括采取定期定额方式每月投资1500元基金的投资方案(每月分别投资易方达策略成长、上投摩根成长先锋、广发稳健增长各500元)和连续20年期每年购买9066元友邦金福年金保险的养老方案;三是为子女准备教育金的一次性投资方案,分别投资景顺长城内需增长基金4万元和上投摩根阿尔法基金5万元。怎样执行该规划呢?
Mr. Chen, 35, is a family of three at home. According to the analysis of his family’s wealth management needs, the financial planner gives the following financial advice: 1. Mr. Chen should increase the life insurance of 200,000 yuan for the purchase of Sino-US Metropolitan Life Insurance Company (10-year); 2. The retirement plan for the preparation of the retirement pension for Mr. Chen and his wife includes a monthly investment plan of 1,500 yuan for the fixed-term investment (invests in E-Fund strategy each month, spearheads Morgan growth, Growth of 500 yuan each) and the annual 20 consecutive years to buy 9066 yuan AIG gold annuity pension plan; third is to prepare their children a one-time investment in education programs, investment in Invesco Great Wall domestic demand growth fund 40,000 yuan and investment Morgan Alpha Fund 50000 yuan. How to implement the plan?