理财规划

理财规划包括利用保险保障你的资产。

Financial planning includes protecting your assets with insurance .

因为失败的理财规划，我几乎要破产了。

Owing to poor financial planning , I was almost out of money .

于是个人理财规划便应运而生。

So personal financial planning come into being .

前者是通过理财规划把未来直到退休后的生活妥善安排好，力求生活品质始终不降低，实现一生的均衡消费。

The former is to plan all the time in the life for good living standard .

因此，唯有自身做好退休准备，重视个人理财规划才为上策。

Hence , preparing the individual retirement financial planning is the only way to do and the best policy to make .

以专业之个人理财规划及投资顾问两类型服务方式，提供中、港及台的境内与境外金融谘询顾问。

We provide professional personal financial planning and investment consultation in the Greater China region on both onshore and offshore basis .

投资建议服务内容包括投资的品种选择、投资组合以及理财规划建议等。

Investment advisor services include the provision of advice on investment product selection , investment portfolio , wealth management plan , etc.

理财规划是人生的一件大事，成就人生的每一个梦想，都离不开财富的支持。

Financial planning matters a lot for people 's lives and we cannot make our dream a reality without the support of wealth .

很多家庭都认准了自己的投资理财规划，认为即使学费飞涨，他们也可以用大量资金投资来应付这项花销。

Many families thought they had a surefire plan : Even if tuition kept skyrocketing , they had invested enough money along the way to meet the costs .

近年来，友邦保险香港公司在为客户保险理财规划的服务中积累了非常好的口碑和良好的理财规划经验。

In recent years , the AIA Hong Kong companies in the insurance and financial planning services for clients in the accumulation of a very good reputation and good experience in financial planning .

这不仅促进了基金市场的发展，同时也推动了我国商业银行的金融服务向理财规划等方面深度发展。

This not only promoted the foundation of the development of the market , but also to promote our country commercial bank financial service to the customer segmentation , financial planning , depth development .

本文研究的高端客户理财规划方案不但有助于T银行理财业务的大力发展，而且有助于对高端客户的维护和拓展。同时也能帮助高端客户更好地认识理财业务。

The study about financial planning in this article has referenced the significance to other domestic commercial banks in developing wealth management business , moreover , helped high-end customers a better understanding of the wealth management business .

而银行基金代销自动账户系统将帮助商业银行基金销售业成为推动中国内地银行业的金融服务向客户细分，理财规划等方面深度发展的一股重要力量。

The automatic bank account funds distribution system will help commercial banks to fund sales industry for promoting the Chinese mainland banking financial services to customer segments , financial planning and other aspects of the development of an important force in depth .

文章从基础层面对中长期理财规划进行了探讨，对其理论基础和原则进行了充分的阐述，在此基础上，提出了中长期理财规划的一些基本技能。

This article probes medium and long-term financing plan from the basic aspect and makes a full exposition on its theory foundation and the principles . Based on it , it has put forword some basic skills about medium and long-term financing plan .

特别是随着个人保障系统如养老、医疗、税收、教育等社会化、商业化进程的加快，迫使个人不得不对自己的未来进行筹划与思考，进行理财规划。

Especially with the quickening of the process of socialization and commercialization of personal security systems such as pension 、 medical 、 education 、 tax and so on , people have to do their own future planning and thinking , to do financial planning .

人寿保险作为个人理财规划中一个不可缺少的重要工具，不仅是风险管理的重要组成部分，而且在储蓄和投资规划、遗产规划、教育规划、退休规划、最小税负规划等方面发挥着重要的作用。

Life Insurance as an important and indispensable tool in personal financial planning , it is not only an important component of risk management , but also play an important role in savings and investment planning , estate planning , education planning , retirement planning and tax planning .

而且，目前商业银行主要缺乏的就是对生活理财的全面规划。

Furthermore , commercial banks lack of financial planning for life now .

理财策划：投资规划要素与实践运作

Financial Planning Essentials of Investment Planning and Its Practices

生活理财和投资理财是个人财务规划的两个方面，并不存在谁高谁低之分。

It is unscientific . They are two aspects of financial planning . There is no distinction of higher or lower .

对于财富管理业务本身来说，不能简单的去推销理财产品，而是要对客户的投资观念、理财规划、人生规划等统一起来考虑。

For the wealth management business itself , not simply to sell financial products , but to the concept of customer investment , financial planning , life planning unify consideration .

认识到问题就应该采取措施加以改善，文章首先对中国平安提供的理财方案进行分析，最后对当前我国家庭理财规划时提出改进建议；第七章是全文的总结和展望。

Recognized the problem should take measures to improve the article first provides financial solutions Ping An analysis of the last of the current family financial planning recommendations for improvement ; Chapter VII is the full text of the summary and outlook .

家庭理财已成为当前社会经济生活中的重要内容，如何进行完善的家庭理财规划也是众多学者关切的热点领域。

Family Finance has been the important contents in current social-economic life and how to implement refined family financial plan are also becoming the core fields of many scholars .

对于理财风险，在了解相关理财知识的基础上，个人要了解自身的风险偏好，了解自身的可承受风险，以达到对于理财目标的合理规划和对理财产品的合理购买。

Thirdly , for the related finance risks , after knowing something about the finance , individual need to understand their risk appetite , and to evaluate their risk tolerance in order to achieve reasonable financial goals for the planning and a rational purchase of financial products .