| Summary: | 碩士 === 崑山科技大學 === 企業管理研究所 === 102 === The study adopts interview method to understand the finance data of case which including family status, situation of health conditions, the number of insurance policies, individual deposits and the present value of house. According to the life planning of the case, the study list five finance goals in sequence for case.
The study uses KISS wealth management software to simulatethe asset allocation. From the outcome of simulated spending plan map, the case can’t achieve its ideal life goals under itscurrent finance behavior and the situation of asset allocation. Hence, the study suggests that adjust the finance plan of the case. First, the study suggests that case can adjust some income and expenses from its own control-oriented, such as delayedthe retirement age, reduced the living expenses after retirement, delayed the time of re-buy a car. Secondly, for not completely control, but there is decision factors can control by myself.For example, finding awork which according to ideal salary and living environment of case. Finally, considering the financial instruments which return can’t be controlled and forecasted to make finance plans. The most important is to find a program which is the case willing to accept and implement.
In this study, we considers inflation rate and the concept of time value and applies present value, future value, present value of annuity, final value of annuity to estimate the amount of future needed. Then making appropriate programs and regularly tracing to help the case achievingthe ideal life goal.
|
|---|
