中等收入家庭的综合理财规划方案

蒋女士为H省直高校的教师,收入稳定,丈夫马先生为某企业的土建工程师,家庭年度有9万结余,再过4个月家庭将有新成员加入,是典型的形成期过渡到成长期的家庭。本理财规划方案基于蒋女士家庭基本状况及财务状况基础上,编制出其家庭资产负债表和月、年收入支出表,分析家庭财务状况、并查找问题,分析其家庭现阶段资产配置的不妥之处,并给出相应的规划建议。

Comprehensive Financial Planning Schemes of Moderate-income Families

Mrs. Jiang is a teacher in H college, who has stable income. Mr. Ma is her husband, who works in a company as a civil engineer, 4 months later, their son will born. Its annual balance is more than 9000 yuan, which is a family of typical formation to the growth.This financial planning scheme introuduces the basic situation and their family financial situation, basing on their household balance sheets and income expenditure tables, analyzing the family finances, and the diagnosis of financial problems, finding out the incorrect asset allocation of their family at this stage, and giving the corresponding planning advice.