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essay寫作-個人財富管理

日期:2021-03-12 閱讀:次 作者:essay代寫
客戶的個人資料
客戶是沒有孩子的單身女士。 此外,她不需要負擔父母的生活費用。 她每個月的總收入為17,300美元,總費用為5900美元。 投資收入是她收入的最大部分。 此外,她的工資是每月4,000美元。 這樣,每月剩下11400美元。
目標
該客戶的目標是充分利用她已擁有的剩余資金,并為將來可能出現的風險做好準備。
Personal Details of Client
The client is a single lady with no children. Besides, she doesn’t need to afford the cost for her parent’s living. Her total revenue per month is 17,300 dollars with 5900 dollars as total cost. The investment income is the biggest part of her income. In addition, her salary is 4,000 dollars per month. Thus, there are 11,400 dollars left per month.
Objectives
The goal of this client is to make full use of the rest of money, the asset that she already has and prepares herself for the risk that she might come within the future. 
essay寫作
推薦建議
第一條建議旨在幫助她提高工資。她每個月的薪水為4,000美元,即每年48,000美元。因此,她的應納稅額為7147美元。她可以通過幾種方式將稅收減至最低,例如獲得更多的年度獎金而不是薪水,以及增加保險和公積金的繳費基數。
第二項建議是關于她的主要資產的分配。她已經擁有的資產包括現金,股票,房地產(如汽車和房屋)。重要的是要理解,不同的資產類別在風險和預期收益上會有所不同。例如,盡管股票具有很高的潛在收益,但是風險和損失的可能性也非常高。因此,建議對資產的分配是將10%用于日常消費,例如衣服,食物和教育,將20%用于諸如車禍和嚴重疾病的緊急保險,將總資產的30%用于固定收益的權益收益既具有高回報又具有高風險的股份信托,可以將總資產的40%分配給長期收入,例如債券和養老金。
下一條建議涉及托管基金。這是管理人們財富的一種方式(Sawicki和Julia,2000年)。我建議選擇一種新興的財富管理方法,即P2P財富管理平臺,該方法隨著Internet的快速發展而越來越流行(Zhao,Hongke等,2016)。P2P平臺的優勢在于安全可靠,利潤率穩定。此外,它也易于操作。
第三個建議涉及一些保險和退休金,這可以幫助我們防御未來生命中的潛在風險。最重要的兩個保險是私人健康保險和人壽保險(Amelie C,2016)。在選擇這兩種類型的保險時,必須注意賠償方法,醫院保險,寬限期以及您自己的財務狀況。
Recommendations
The first recommendation aims to help her on the salary. She gets 4,000 dollars per month for her salary, that’s 48,000 dollars per year. Thus, her tax payable equals 7147 dollars. She could minimize her tax through several ways, such as getting more annual bonus instead of salary and increasing the base of contributions for insurance and provident funds.
The second recommendation is about the allocation of her main asset. The asset she already owned includes cash, stock shares, real estates like cars and house. It is important to understand that different asset class differs in the risk and expected returns. For example, although stock shares have very high potential returns, the risk and the possibility of loss is also extremely high. Thus, the recommended allocation of the asset is to allocate 10% for daily consumption such as clothing, food, and education, 20% for emergency insurance like the car accident and serious illness, 30% of the total asset for equity earning like fixed interest, share trust which has both high returns and high risk, 40% of the total asset can be allocated to long-term income, like the bond and pension.
The next recommendation concerns about managed funds. It is a way to manage people’s wealth (Sawicki& Julia,2000). I recommend to choose an emerging wealth management method, that is P2P wealth management platform, which is becoming more and more popular with the fast development of the Internet (Zhao, Hongke, et al, 2016) The advantage of P2P platform is that it is safe and reliable with stable profit rate. Besides, it is also easy to operate.
The third recommendation relates to some insurance and superannuation, which could help us to defend potential risks in the future life. The most two important insurances are private health insurance and life insurance(Amelie C,2016). When choosing these two type of insurance, it is necessary to pay attention to the method of compensation, the hospital cover, the term of the grace period as well as your own financial state into consideration. 

預期成果
至于預期的結果,客戶將節省一定數量的稅款。 此外,分配她的流動資產將確保她將根據自己的風險偏好獲得更多的額外收益。 保險和退休金可以保護她免受潛在風險的影響,并確保她退休后的生命。
Expected Outcomes
As for the expected outcome, the client would save a certain amount of money on tax. Besides, the allocation of her current asset would make sure that she would get more extra returns under her own risk preference. The insurance and superannuation could protect her from potential risk and secure her life after retirement.


References:
Sawicki, Julia, and F. Ong. "Evaluating managed fund performance using conditional measures: Australian evidence." Pacific-Basin Finance Journal 8.3(2000):505-528.
Zhao, Hongke, et al. "Portfolio Selections in P2P Lending:A Multi-Objective Perspective." ACM SIGKDD International Conference on Knowledge Discovery and Data Mining ACM, 2016:2075-2084.
Wuppermann, Amelie C. "Private Information in Life Insurance, Annuity and Health Insurance Markets." Scandinavian Journal of Economics 119.4(2016).

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