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essay代写-个人财富管理Executive Summary

文章类型:essay 发布时间:2019-08-23

客户的个人详细信息
客户是一位没有孩子的单身女士。此外,她不需要为父母的生活负担。她每月的总收入为17,300美元,总成本为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4000美元。因此,每月剩余11,400美元。
目标
这个客户的目标是充分利用剩余的资金,这是她已经拥有的资产,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.
建议
第一条建议旨在帮助她获得薪水。她的工资每月收入4000美元,即每年48,000美元。因此,她的应付税额等于7147美元。她可以通过多种方式减少税收,例如获得更多的年度奖金而不是工资,并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。她拥有的资产包括现金,股票,汽车和房屋等房地产。重要的是要了解不同的资产类别在风险和预期收益方面存在差异。例如,虽然股票的潜在回报非常高,但风险和损失的可能性也非常高。因此,建议的资产配置是为服装,食品和教育等日常消费分配10%,为车祸和重病等紧急保险分配20%,为固定利息等股权收入总资产的30% ,分享具有高回报和高风险的信托,总资产的40%可以分配给长期收入,如债券和养老金。
下一个建议涉及管理基金。这是一种管理人们财富的方式(Sawicki&Julia,2000)。我建议选择一种新兴的财富管理方法,即P2P财富管理平台,随着互联网的快速发展而越来越受欢迎(Zhao,Hongke,et al,2016)P2P平台的优势在于它是安全可靠,利润率稳定。此外,它也易于操作。
第三项建议涉及一些保险和退休金,这可以帮助我们捍卫未来生活中的潜在风险。最重要的两项保险是私人医疗保险和人寿保险(Amelie C,2016)。在选择这两种保险时,有必要注意赔偿方法,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
至于预期结果,客户将节省一定数额的税收。此外,她现有资产的分配将确保她在自己的风险偏好下获得更多额外回报。保险和退休金可以保护她免受潜在风险,并在退休后保障她的生命。

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.

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