WEALTH MANAGEMENT UNDER THE BABY BUST

• Main Authors: Tzu-Ching Chen, 陳 自 情
• Other Authors: Whuei-Wen(Christine)Lai
• Format: Others
• Language: zh-TW
• Online Access: http://ndltd.ncl.edu.tw/handle/18981814344724011748

碩士 === 元智大學 === 管理碩士在職專班 === 94 === In addition to the issue of aging society, baby bust is another issue that all countries have to face. Japan is the first one in Asia to face this issue, but the most serious situation happened in Taiwan. Baby bust will cause economic problems of country and society. It is an important issue in Taiwan to face this problem. According to OECD, the declining of birth rates has caused the slowing down of economic growth,the increasing burden of young people to take of elders,the insufficient supply of laborers,the decreasing of GDP per capita, the declining in government tax income, and the shortage of financial resource of social welfare and public facilities. In the future, the conflicts of among generations might cause social problems. Laborers will be insufficient because of the decline of birth rates decline or consumption shrinking. The decrease of demand for food, clothes, houses and transpo- tation in the society of baby bust will influence the economic growth. Baby bust has been a serious concern in Taiwan these years. It will influence national economy, finance, tax, education, and the planning for retirement. The decrease of laborers will low savings. The purpose of this thesis is to find the relationships between the reflect of baby bust and saving rated. This thesis analyzes the reason of baby bust and possible effects luences in Taiwan. The data of GDPs, population growth rates, annual laborer increasing rates and unemployed rates from the countries of Japan, Korea,Hong Kong and Mainland China are utilized to analyze the effects of baby bust on the saving rates. The Time-Series/Cross Section Pooling Regressionmodel is usef in this thesis to forecast the savings change of Taiwan in the future. Wealth management is a series procedure to manage an individua’s scientific way to reach the goal that one set up. Generally people, has diffent finiancial goals, for example, children education, retirement planning, making a fortune, property inheritance and risk management. To set up an investment combination will depend on personal financial situation, the ability for risk taking, the demand for family safety and financial goals. To reach such goals, various financial products in the financial market will be used. This thesis also focuses on retirement planning. A relative conservative product of insurance is used as a tool to reach the goal of 70 % replacement rate of a retire. The effects of change in saving rates on the teplacement raye in a baby bust society with various retirement reture on investment are evaluated.