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essay写作-个人财富管理

日期:2021-03-12 阅读:次 作者:YourEssay
客户的个人资料
客户是没有孩子的单身女士。 此外,她不需要负担父母的生活费用。 她每个月的总收入为17,300美元,总费用为5900美元。 投资收入是她收入的最大部分。 此外,她的工资是每月4,000美元。 这样,每月剩下11400美元。
目标
该客户的目标是充分利用她已拥有的剩余资金,并为将来可能出现的风险做好准备。
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写作
推荐建议
第一条建议旨在帮助她提高工资。她每个月的薪水为4,000美元,即每年48,000美元。因此,她的应纳税额为7147美元。她可以通过几种方式将税收减至最低,例如获得更多的年度奖金而不是薪水,以及增加保险和公积金的缴费基数。
第二项建议是关于她的主要资产的分配。她已经拥有的资产包括现金,股票,房地产(如汽车和房屋)。重要的是要理解,不同的资产类别在风险和预期收益上会有所不同。例如,尽管股票具有很高的潜在收益,但是风险和损失的可能性也非常高。因此,建议对资产的分配是将10%用于日常消费,例如衣服,食物和教育,将20%用于诸如车祸和严重疾病的紧急保险,将总资产的30%用于固定收益的权益收益既具有高回报又具有高风险的股份信托,可以将总资产的40%分配给长期收入,例如债券和养老金。
下一条建议涉及托管基金。这是管理人们财富的一种方式(Sawicki和Julia,2000年)。我建议选择一种新兴的财富管理方法,即P2P财富管理平台,该方法随着Internet的快速发展而越来越流行(Zhao,Hongke等,2016)。P2P平台的优势在于安全可靠,利润率稳定。此外,它也易于操作。
第三个建议涉及一些保险和退休金,这可以帮助我们防御未来生命中的潜在风险。最重要的两个保险是私人健康保险和人寿保险(Amelie C,2016)。在选择这两种类型的保险时,必须注意赔偿方法,医院保险,宽限期以及您自己的财务状况。
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. 

预期成果
至于预期的结果,客户将节省一定数量的税款。 此外,分配她的流动资产将确保她将根据自己的风险偏好获得更多的额外收益。 保险和退休金可以保护她免受潜在风险的影响,并确保她退休后的生命。
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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