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1、 一一、基基本本信信息息表表1-1-11-1-1白白涛涛家家庭庭成成员员的的基基本本信信息息白白涛涛资资料料（1）年龄55（2）职业公务人员（3）学历本科学历（4）健康状况正常（5）保障情况三险一金（6）预计退休年龄60（7）预期余寿85黄黄云云资资料料（1）年龄50（2）学历本科（3）职业公务人员（4）健康状况正常（5）保障情况三险一金（6）预计退休年龄55（6）预期余寿88其其他他家家庭庭成成员员资资料料（1）儿子25岁，已上班学习成绩中等（2）叔父无退休收入表表1-1-21-1-2对对白白涛涛先先生生的的风风险险属属性性评评估估客客观观风风险险承承受受能能力力测测试试表表分数10分年龄总
2、分50分，25岁以下者50分，每多一岁少1分，75岁以上者0分就业状况公教人员家庭负担未婚置产状况投资不动产投资经验10年以上投资知识有专业证照总分主主观观风风险险承承受受态态度度测测试试表表分数10分对本金损失的容忍程度总分50分，不能容忍任何损失为0分，每增加一个百分点加2分，可容忍25%以上损失者为满分50分首要考虑因素短期价差过去投资绩效只赚不赔赔钱心理状态学习经验目前主要投资期货未来希望避免投资的工具无总分风风险险属属性性风险能力低能力 分值0-19分风险态度低态度 分值0-19分 二二、财财务务信信息息表表1-2-11-2-1白白涛涛一一家家资资产产负负债债表表编制日期:2011年
3、1月 单位：元资资 产产现金100,000.00流流动动性性资资产产100,000.00100,000.00定存 200,000.00国债100,000.00股票100,000.00个人养老金帐户0.00医疗保险金帐户0.00住房公积金帐户50,000.00投投资资性性资资产产450,000.00450,000.00自用住房当前市值1,750,000.00自用汽车当前市值-自自用用性性资资产产1,750,000.001,750,000.00总总资资产产2,300,000.002,300,000.00表表1-2-21-2-2白白涛涛的的实实发发工工资资计计算算表表编制日期:2009年1月 单位：
4、元月平均值税税前前收收入入8,000.008,000.00养老保险缴费640.00医疗保险缴费160.00住房公积金缴费640.00失业保险金缴费80.00所得税547.00企业年金缴费0.00实实发发工工资资5,933.005,933.00表表1-2-31-2-3白白涛涛一一家家收收支支储储蓄蓄表表编制日期:2009年1月 单位：元月平均值收收 入入实发工资5,933.00养老金缴存640.00医疗保险金缴存80.00住房公积金缴存1,280.00企业年金缴存0.00可可运运用用工工作作收收入入7,933.00利息收入-理理财财收收入入-可可运运用用收收入入合合计计7,933.007,933
5、.00支支 出出食品1,500.00衣着1,200.00交通（含车险、燃油等）800.00物业费450.00水、电、暖、天然气450.00收视、电话、网络费700.00休闲活动支出800.00老人赡养（双方父母）1,000.00医疗保健支出(白涛除外）700.00其它杂项费用400.00生生活活支支出出8,000.008,000.00保障性保费支出-利息支出645.00理理财财支支出出645.00645.00支支出出合合计计8,645.008,645.00储储 蓄蓄家家庭庭储储蓄蓄-712.00-712.00贷款本金635.00养老金强制储蓄640.00医疗保险金强制储蓄80.00住房公积金强
6、制储蓄0.00企业年金强制储蓄0.00自自由由储储蓄蓄-2,067.000-2,067.000 三三、退退休休目目标标表表1-31-3家家庭庭退退休休规规划划目目标标项目内容一一、基基本本目目标标1.养老金生活水平不降低2.医疗基本医疗保障3.住房老有所居二二、个个性性化化目目标标1.旅游退休后的前五年每年出游一次2.资助子女为子女出资买房买车 四四、数数据据整整理理表表1-41-4基基本本数数据据假假设设CPI4%经济增长率8%工资薪金税率按九级超额累进税率企业年金中企业缴费适用税率20%白涛工资年增长率5%月社平工资（元）3322社平工资年增长率5%一年定期储蓄利率2.25%员员工工福福利
7、利信信息息1.1.养养老老保保险险年收益率2%费率8%初始累积额0.00基本养老金增长率2%2.2.医医疗疗保保险险年收益率2%费率2.00%初始累积额0.003.3.住住房房公公积积金金年收益率2%费率8%初始累积额50,000.00贷款利息3.87%4.4.失失业业保保险险费率1.00%5.5.企企业业年年金金年收益率0%费率0%初始累积额0.006.6.员员工工持持股股计计划划股票当前市值（元）11.2现有股票（股）6000每年所得股票（股）1000退退休休目目标标信信息息白涛预计退休年龄60白涛预期余寿85华美娜预期余寿88退休后支出水平变动率80%一方离世后支出水平变动率60%旅游年
8、消费额（元）50,000.00资助子女金额（元）2,000,000.00其其它它相相关关信信息息白涛当前年龄55华美娜当前年龄50养老储蓄率30.00%当前定存200,000.00当前住房市值1,750,000.00剩余贷款余额（元）200,000.00当前家庭生活月支出（元）8,000.00当前家庭税费前月收入（元）8,000.00(3,074,541.82)0.020.20(3,166,267.90)0.25(3,185,143.35)0.30(3,204,018.80)0.35(3,222,894.26)0.40(3,241,769.71)0.45(3,260,645.16)0.50(3
9、,279,520.61)(4,159,088.22)0.040.20(3,400,636.96)0.25(3,419,567.00)0.30(3,438,497.04)0.35-3457427.0840.40-3476357.1270.45-3495287.1690.50-3514217.2128分6分4分上班族佣金收入者自营事业者双薪无子女双薪有子女单薪有子女自宅无房贷房贷50610年25年1年以内财金科系毕业自修有心得懂一些8分6分4分对对白白涛涛先先生生的的风风险险属属性性评评估估客客观观风风险险承承受受能能力力测测试试表表总分50分，25岁以下者50分，每多一岁少1分，75岁以上者0分
10、主主观观风风险险承承受受态态度度测测试试表表总分50分，不能容忍任何损失为0分，每增加一个百分点加2分，可容忍25%以上损失者为满分50分长期利得年现金收益抗通膨保值赚多赔少损益两平赚少赔多照常过日子影响情绪小影响情绪大股票房地产债券期货股票房地产中低能力中能力 中高能力 20-39分40-5940-59分分60-79分中低态度中态度中高态度 20-39分40-59分60-7960-79分分负负 债债流流动动负负债债0.000.00投投资资负负债债0.000.00自用房产贷款200,000.00自自用用负负债债200,000.00200,000.00总总负负债债200,000.00200,00
11、0.00净净 值值流动性净值100,000.00投资性净值450,000.00自用性净值1,550,000.00总总净净值值2,100,000.002,100,000.004,480.0075,760.002,860.00黄黄云云的的实实发发工工资资计计算算表表年平均值月平均值年平均值96,000.0096,000.006,000.006,000.0072,000.0072,000.00风风险险属属性性白白涛涛一一家家资资产产负负债债表表编制日期:2011年1月 单位：元白白涛涛的的实实发发工工资资计计算算表表编制日期:2009年1月 单位：元7,680.00480.005,760.001,9
12、20.00120.001,440.007,680.00480.005,760.00960.0060.00720.00248,256.000.000.000.000.000.00(170,496.00)(170,496.00)4,860.004,860.0058,320.0058,320.00年平均值(170,496.00)7,680.00960.0015,360.000.00(146,496.00)(146,496.00)4,500.004,500.004,500.00(141,996.00)(141,996.00)18,000.0014,400.009,600.005,400.005,400
13、.008,400.009,600.0012,000.008,400.004,800.0096,000.0096,000.00-7,740.007,740.007,740.00103,740.00103,740.00编制日期:2009年1月 单位：元-245,736.00-245,736.007,620.007,680.00960.000.000.00-261,996.000-261,996.000资金数量范围目标规划期限退休前消费的80%左右，一方离世后家庭消费水平下降到60%2027-2059医疗保健支出占生活支出的比率以每年1%的速度增加2027-20592027-205950,000.0
14、02027-20312,000,000.002027家家庭庭退退休休规规划划目目标标0.030.030.04(2,914,659.17)(2,691,280.14)(2,492,739.61)(2,933,612.63)(2,710,272.13)(2,511,725.63)(2,952,566.10)(2,729,264.12)(2,530,711.64)(2,971,519.56)(2,748,256.11)(2,549,697.65)(2,990,473.02)(2,767,248.10)(2,568,683.67)(3,009,426.48)(2,786,240.09)(2,587,6
15、69.68)(3,028,379.94)(2,805,232.08)(2,606,655.69)0.050.060.07(3,103,084.24)(2,866,341.63)(2,677,557.13)(3,121,727.88)(2,884,419.84)(2,694,726.35)(3,140,371.52)(2,902,498.05)(2,711,895.56)-3159015.16-2920576.255-2729064.781-3177658.798-2938654.464-2746233.999-3196302.437-2956732.674-2763403.217-321494
16、6.075-2974810.883-2780572.4352分客户得分20.00失业10.00单薪养三代6.00无自宅6.00无6.00一片空白4.0052.0052.002分客户得分38.00保本保息6.00只赔不赚4.00难以成寐4.00存款2.00债券8.0062.0062.00高能力80-100分中中等等风风险险承承受受能能力力高态度80-100分中中高高风风险险承承受受态态度度0.040.050.05(2,316,090.56)(2,158,768.32)(2,018,537.85)(2,335,020.60)(2,177,586.42)(2,037,181.49)(2,353,95
17、0.64)(2,196,404.51)(2,055,825.12)(2,372,880.69)(2,215,222.60)(2,074,468.76)(2,391,810.73)(2,234,040.69)(2,093,112.40)(2,410,740.77)(2,252,858.78)(2,111,756.04)(2,429,670.81)(2,271,676.87)(2,130,399.68)0.080.090.10(2,526,852.43)(2,406,581.82)(2,310,780.45)(2,542,693.03)(2,420,584.77)(2,322,332.02)(2,
18、558,533.62)(2,434,587.72)(2,333,883.58)-2574374.213-2448590.673-2345435.149-2590214.807-2462593.624-2356986.714-2606055.4-2476596.575-2368538.278-2621895.994-2490599.527-2380089.843个人账户收益率预期余寿：白涛86岁华美娜89岁费率 一一、退退休休规规划划需需求求表表2-1-12-1-1年年支支出出额额时间年 龄年生活支出旅游支出欧阳林华美娜2009423896,000.002010433999,840.002011
19、4440103,833.6020124541107,986.9420134642112,306.4220144743116,798.6820154844121,470.6320164945126,329.4520175046131,382.6320185147136,637.9320195248142,103.4520205349147,787.5920215450153,699.0920225551159,847.0620235652166,240.9420245753172,890.5820255854179,806.2020265955186,998.4520276056155,582.
20、7150,000.0020286157161,806.0250,000.0020296258168,278.2650,000.0020306359175,009.3950,000.0020316460182,009.7650,000.0020326561189,290.1520336662196,861.7620346763204,736.2320356864212,925.6820366965221,442.7120377066230,300.4120387167239,512.4320397268249,092.9320407369259,056.6520417470269,418.912
21、0427571280,195.6720437672291,403.4920447773303,059.6320457874315,182.0220467975327,789.3020478076340,900.8720488177354,536.9120498278368,718.3820508379383,467.1220518480398,805.8020528581414,758.0420538682431,348.36205483269,161.38205584279,927.83205685291,124.94205786302,769.94205887314,880.7420598
22、8327,475.97表表2-1-22-1-2退退休休规规划划需需求求测测算算退退休休规规划划总总需需求求8,447,151.368,447,151.36基本生活支出6,207,914.35旅游支出239,237.01资助子女2,000,000.00 二二、退退休休规规划划供供给给表表2-2-12-2-1税税费费前前工工资资时间年龄月工资额年工资额社平工资2008417,619.053,322.002009428,000.0096,000.003,488.102010438,400.00100,800.003,662.512011448,820.00105,840.003,845.632012
23、459,261.00111,132.004,037.912013469,724.05116,688.604,239.8120144710,210.25122,523.034,451.8020154810,720.77128,649.184,674.3920164911,256.80135,081.644,908.1120175011,819.64141,835.725,153.5120185112,410.63148,927.515,411.1920195213,031.16156,373.885,681.7520205313,682.71164,192.585,965.8320215414,
24、366.85172,402.216,264.1320225515,085.19181,022.326,577.3320235615,839.45190,073.436,906.2020245716,631.43199,577.117,251.5120255817,463.00209,555.967,614.0820265918,336.15220,033.767,994.79退退休休时时点点（6060岁岁初初）缴缴费费指指数数表表2-2-22-2-2基基本本养养老老金金测测算算时间年龄基本养老金20276069,568.6320286170,960.0120296272,379.2120306
25、373,826.7920316475,303.3320326576,809.3920336678,345.5820346779,912.4920356881,510.7420366983,140.9620377084,803.7720387186,499.8520397288,229.8520407389,994.4420417491,794.3320427593,630.2220437695,502.8220447797,412.8820457899,361.14204679101,348.36204780103,375.33204881105,442.83204982107,551.692
26、05083109,702.73205184111,896.78205285114,134.72205386116,417.41退退休休时时点点基基本本养养老老金金现现值值1,819,848.721,819,848.72表表2-2-32-2-3家家庭庭养养老老储储蓄蓄时间年龄年实发工资年支出年养老现金流20084120094271,114.2996,000.00(7,465.71)20104374,366.4099,840.00(7,642.08)20114477,644.03103,833.60(7,856.87)20124581,007.04107,986.94(8,093.97)20134
27、684,535.07112,306.42(8,331.41)20144788,236.11116,798.68(8,568.77)20154892,118.55121,470.63(8,805.62)20164996,191.15126,329.45(9,041.49)201750100,463.13131,382.63(9,275.85)201851104,944.09136,637.93(9,508.15)201952109,635.13142,103.45(9,740.50)202053114,468.08147,787.59(9,995.85)202154119,533.97153,6
28、99.09(10,249.54)202255124,843.75159,847.06(10,500.99)202356130,408.87166,240.94(10,749.62)202457136,241.28172,890.58(10,994.79)202558142,353.46179,806.20(11,235.82)202659148,758.47186,998.45(11,471.99)退退休休时时点点可可用用于于退退休休规规划划的的家家庭庭储储蓄蓄表表2-2-42-2-4退退休休规规划划供供给给测测算算退退休休规规划划总总供供给给2,952,530.922,952,530.92基
29、本养老金1,819,848.72公积金帐户余额221,814.82医疗帐户余额29,817.08企业年金0.00员工持股计划994,564.85家庭养老储蓄(113,514.56)三三、退退休休规规划划赤赤字字表表2-3-12-3-1退退休休规规划划赤赤字字单位：元 退退休休规规划划总总需需求求8,447,151.368,447,151.36基本生活支出6,207,914.35旅游支出239,237.01资助子女2,000,000.00退退休休规规划划总总供供给给2,952,530.922,952,530.92基本养老金1,819,848.72公积金帐户余额221,814.82医疗帐户余额29
30、,817.08企业年金0.00员工持股计划994,564.85家庭养老储蓄(113,514.56)退退休休规规划划赤赤字字(5,494,620.45)(5,494,620.45)表表2-3-22-3-2无无忧忧生生存存年年龄龄测测算算时间年 龄年实际收入年生活支出欧阳林华美娜200841372009423871,114.2996,000.002010433974,366.4099,840.002011444077,644.03103,833.602012454181,007.04107,986.942013464284,535.07112,306.422014474388,236.11116,
31、798.682015484492,118.55121,470.632016494596,191.15126,329.4520175046100,463.13131,382.6320185147104,944.09136,637.9320195248109,635.13142,103.4520205349114,468.08147,787.5920215450119,533.97153,699.0920225551124,843.75159,847.0620235652130,408.87166,240.9420245753136,241.28172,890.5820255854142,353.
32、46179,806.2020265955148,758.47186,998.45202760561,315,765.39155,582.712028615770,960.01161,806.022029625872,379.21168,278.262030635973,826.79175,009.392031646075,303.33182,009.762032656176,809.39189,290.152033666278,345.58196,861.762034676379,912.49204,736.232035686481,510.74212,925.682036696583,140
33、.96221,442.712037706684,803.77230,300.412038716786,499.85239,512.432039726888,229.85249,092.932040736989,994.44259,056.652041747091,794.33269,418.912042757193,630.22280,195.672043767295,502.82291,403.492044777397,412.88303,059.632045787499,361.14315,182.0220467975101,348.36327,789.3020478076103,375.
34、33340,900.8720488177105,442.83354,536.9120498278107,551.69368,718.3820508379109,702.73383,467.1220518480111,896.78398,805.8020528581114,134.72414,758.0420538682116,417.41431,348.36205483269,161.38205584279,927.83205685291,124.94205786302,769.94205887314,880.74205988327,475.97图图 2-3-12-3-1未未经经理理财财的的家
35、家庭庭无无忧忧生生存存年年龄龄图图206020552050204520402035203020252020201520102005(12,000,000.00)(10,000,000.00)(8,000,000.00)(6,000,000.00)(4,000,000.00)(2,000,000.00)0.00 2,000,000.00 金金额额年养老现金流养老储蓄累积额退退休休时时点点无无忧忧生生存存年年龄龄欧欧阳阳林林：6 67 7华华美美娜娜：6 63 3无无忧忧生生存存年年龄龄欧欧阳阳林林：6 67 7华华美美娜娜：6 63 3图图 2-3-22-3-2欧欧阳阳林林一一家家的的财财务务生
36、生命命周周期期图图2060205520502045204020352030202520202015201020050.00 100,000.00 200,000.00 300,000.00 400,000.00 500,000.00 金金额额收入曲线生活支出曲线平滑消费线退退休休时时点点未未经经理理财财的的家家庭庭无无忧忧生生存存年年龄龄图图206020552050204520402035203020252020201520102005(12,000,000.00)(10,000,000.00)(8,000,000.00)(6,000,000.00)(4,000,000.00)(2,000,0
37、00.00)0.00 2,000,000.00 金金额额年养老现金流养老储蓄累积额退退休休时时点点无无忧忧生生存存年年龄龄欧欧阳阳林林：6 67 7华华美美娜娜：6 63 3无无忧忧生生存存年年龄龄欧欧阳阳林林：6 67 7华华美美娜娜：6 63 3资助子女支出2,000,000.00养养老老保保险险缴费基数缴费指数月供款额年供款额年底账户余额0.007,619.052.29609.527,314.297,314.298,000.002.29640.007,680.0015,140.578,400.002.29672.008,064.0023,507.388,820.002.29705.608
38、,467.2032,444.739,261.002.29740.888,890.5641,984.199,724.052.29777.929,335.0952,158.9610,210.252.29816.829,801.8463,003.9810,720.772.29857.6610,291.9374,555.9911,256.802.29900.5410,806.5386,853.6411,819.642.29945.5711,346.8699,937.5712,410.632.29992.8511,914.20113,850.5313,031.162.291,042.4912,509.9
39、1128,637.4513,682.712.291,094.6213,135.41144,345.6014,366.852.291,149.3513,792.18161,024.6915,085.192.291,206.8214,481.79178,726.9715,839.452.291,267.1615,205.87197,507.3816,631.432.291,330.5115,966.17217,423.7017,463.002.291,397.0416,764.48238,536.652.292.29养养老老金金帐帐户户余余额额238,536.65238,536.65缴缴费费指指数
40、数养老储蓄累积额60,000.0053,884.2947,454.6040,665.4633,486.4625,908.5017,922.679,520.31693.03(8,567.23)(18,268.15)(28,419.68)(39,054.97)(50,183.25)(61,813.36)(73,953.78)(86,612.53)(99,797.13)(113,514.56)(113,514.56)(113,514.56)特殊目标支出年养老现金流养老储蓄累积额年收入60,000.00(7,465.71)53,884.2971,114.29(7,642.08)47,454.6074,
41、366.40(7,856.87)40,665.4677,644.03(8,093.97)33,486.4681,007.04(8,331.41)25,908.5084,535.07(8,568.77)17,922.6788,236.11(8,805.62)9,520.3192,118.55(9,041.49)693.0396,191.15(9,275.85)(8,567.23)100,463.13(9,508.15)(18,268.15)104,944.09(9,740.50)(28,419.68)109,635.13(9,995.85)(39,054.97)114,468.08(10,249
42、.54)(50,183.25)119,533.97(10,500.99)(61,813.36)124,843.75(10,749.62)(73,953.78)130,408.87(10,994.79)(86,612.53)136,241.28(11,235.82)(99,797.13)142,353.46(11,471.99)(113,514.56)148,758.472,050,000.00(889,817.32)(1,005,885.96)69,568.63无无忧忧生生存存年年龄龄测测算算50,000.00(140,846.01)(1,169,364.40)70,960.0150,000.
43、00(145,899.05)(1,341,574.16)72,379.2150,000.00(151,182.60)(1,522,942.17)73,826.7950,000.00(156,706.44)(1,713,914.81)75,303.33(112,480.76)(1,864,958.66)76,809.39(118,516.18)(2,025,436.41)78,345.58(124,823.74)(2,195,832.46)79,912.49(131,414.94)(2,376,653.63)81,510.74(138,301.75)(2,568,430.09)83,140.96
44、(145,496.64)(2,771,716.41)84,803.77(153,012.58)(2,987,092.61)86,499.85(160,863.08)(3,215,165.27)88,229.85(169,062.20)(3,456,568.69)89,994.44(177,624.58)(3,711,966.07)91,794.33(186,565.45)(3,982,050.75)93,630.22(195,900.67)(4,267,547.56)95,502.82(205,646.75)(4,569,214.14)97,412.88(215,820.88)(4,887,8
45、42.34)99,361.14(226,440.94)(5,224,259.73)101,348.36(237,525.54)(5,579,331.12)103,375.33(249,094.07)(5,953,960.14)105,442.83(261,166.69)(6,349,090.94)107,551.69(273,764.39)(6,765,709.88)109,702.73(286,909.02)(7,204,847.38)111,896.78(300,623.32)(7,667,579.76)114,134.72(314,930.95)(8,155,031.26)116,417
46、.41(80,748.41)(8,419,267.87)(83,978.35)(8,692,679.75)(87,337.48)(8,975,602.52)(90,830.98)(9,268,384.56)(94,464.22)(9,571,387.44)(98,242.79)(9,884,986.45)未未经经理理财财的的家家庭庭无无忧忧生生存存年年龄龄图图206020552050204520402035203020252020201520102005(12,000,000.00)(10,000,000.00)(8,000,000.00)(6,000,000.00)(4,000,000.00
47、)(2,000,000.00)0.00 2,000,000.00 金金额额年养老现金流养老储蓄累积额退退休休时时点点无无忧忧生生存存年年龄龄欧欧阳阳林林：6 67 7华华美美娜娜：6 63 3无无忧忧生生存存年年龄龄欧欧阳阳林林：6 67 7华华美美娜娜：6 63 3未未经经理理财财的的家家庭庭无无忧忧生生存存年年龄龄图图206020552050204520402035203020252020201520102005(12,000,000.00)(10,000,000.00)(8,000,000.00)(6,000,000.00)(4,000,000.00)(2,000,000.00)0.00
48、 2,000,000.00 金金额额年养老现金流养老储蓄累积额退退休休时时点点无无忧忧生生存存年年龄龄欧欧阳阳林林：6 67 7华华美美娜娜：6 63 3无无忧忧生生存存年年龄龄欧欧阳阳林林：6 67 7华华美美娜娜：6 63 3欧欧阳阳林林一一家家的的财财务务生生命命周周期期图图2060205520502045204020352030202520202015201020050.00 100,000.00 200,000.00 300,000.00 400,000.00 500,000.00 金金额额收入曲线生活支出曲线平滑消费线退退休休时时点点医医疗疗保保险险住住房房公公积积金金月供款额年供
49、款额年底账户余额月供款额年供款额剩余房贷额0.00200,000.00152.381,828.57914.291,219.0514,628.57193,111.43160.001,920.001,892.571,280.0015,360.00185,224.84168.002,016.002,938.421,344.0016,128.00176,265.04176.402,116.804,055.591,411.2016,934.40166,152.10185.222,222.645,248.021,481.7617,781.12154,801.07194.482,333.776,519.87
50、1,555.8518,670.18142,121.69204.212,450.467,875.501,633.6419,603.68128,018.12214.422,572.989,319.501,715.3220,583.87112,388.55225.142,701.6310,856.711,801.0921,613.0695,124.92236.392,836.7112,492.201,891.1422,693.7276,112.54248.212,978.5514,231.321,985.7023,828.4055,229.69260.623,127.4816,079.682,084