执行摘要
个人和组织都必须规划自己的财富。特别是当我们把人口老龄化，负担不起，市场不稳定以及各种投资决策考虑在内时。
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。
Executive Summary
It is always necessary for both individuals and organizations to plan their wealth. Especially when we take the aging population, unaffordable, unstable market as well as kinds of investment decision into consideration.
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.
Thus, the client needs to make a financial plan to make full use of her excess money. Moreover, as for the asset she already owned, she owns some stock shares, a house worth 400,000 dollars and a car which worth 20,000 dollars.
Therefore, 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 with in the future.
建议
The first recommendation aims to help her on the salary she received. Since she gets 4,000 dollars per month for her salary, which means that her yearly income is 48,000 dollars. 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. Cash is useful for the most conservative and short horizon portfolios while shares offer potential growth and liquidity. 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, pension, and bonus.
The next recommendation concerns about the managed fund. It is a way to manage people’s wealth(Sawicki& Julia,2000). From my point of view, I would prefer 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.
The last recommendation is about the will. Some people especially some young people may think that a will is not necessary for them since they are young and health. However, it is wise to make a will which is a way to protect my wealth and asset.
预期成果
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.
Sawicki, Julia, and F. Ong. "Evaluating managed fund performance using conditional measures: Australian evidence." Pacific-Basin Finance Journal 8.3(2000):505-528.
Zhao, Hongke, et al. "Portfolio Selections in P2P Lending:A Multi-Objective Perspective." ACM SIGKDD International Conference on Knowledge Discovery and Data Mining ACM, 2016:2075-2084.
Wuppermann, Amelie C. "Private Information in Life Insurance, Annuity and Health Insurance Markets." Scandinavian Journal of Economics 119.4(2016).
Executive Summary
It is always necessary for both individuals and organizations to plan their wealth. Especially when we take the aging population, unaffordable, unstable market as well as kinds of investment decision into consideration.
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.
目标
因此，客户需要制定财务计划以充分利用她的多余资金。此外，至于她已拥有的资产，她拥有一些股票，一套价值40万美元的房子和一辆价值2万美元的汽车。
因此，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，并为将来可能带来的风险做好准备。
ObjectivesThus, the client needs to make a financial plan to make full use of her excess money. Moreover, as for the asset she already owned, she owns some stock shares, a house worth 400,000 dollars and a car which worth 20,000 dollars.
Therefore, 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 with in the future.
建议
第一项建议旨在帮助她获得薪水。由于她的工资每月4,000美元，这意味着她的年收入是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。现金对最保守和短期的投资组合很有用，而股票则提供潜在的增长和流动性。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，养老金和奖金。
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）。从我的角度来看，我宁愿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平台是一种安全可靠，利润率稳定的企业。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。
最后的建议是关于遗嘱。有些人，特别是一些年轻人可能认为，由于年轻和健康，他们不需要遗嘱。然而，制定一种保护我的财富和资产的意愿是明智之举。
RecommendationsThe first recommendation aims to help her on the salary she received. Since she gets 4,000 dollars per month for her salary, which means that her yearly income is 48,000 dollars. 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. Cash is useful for the most conservative and short horizon portfolios while shares offer potential growth and liquidity. 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, pension, and bonus.
The next recommendation concerns about the managed fund. It is a way to manage people’s wealth(Sawicki& Julia,2000). From my point of view, I would prefer 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.
The last recommendation is about the will. Some people especially some young people may think that a will is not necessary for them since they are young and health. However, it is wise to make a will which is a way to protect my wealth and asset.
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 OutcomesAs 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.
参考
Sawicki，Julia和F. Ong。 “使用有条件的措施评估管理基金业绩：澳大利亚的证据。” Pacific-Basin Finance Journal 8.3（2000）：505-528。
赵洪科等“P2P贷款中的投资组合选择：多目标视角。” ACM SIGKDD知识发现与数据挖掘国际会议ACM，2016：2075-2084。
Wuppermann，Amelie C.“人寿保险，年金和健康保险市场的私人信息。”斯堪的纳维亚经济学杂志119.4（2016）。
ReferencesSawicki, Julia, and F. Ong. "Evaluating managed fund performance using conditional measures: Australian evidence." Pacific-Basin Finance Journal 8.3(2000):505-528.
Zhao, Hongke, et al. "Portfolio Selections in P2P Lending:A Multi-Objective Perspective." ACM SIGKDD International Conference on Knowledge Discovery and Data Mining ACM, 2016:2075-2084.
Wuppermann, Amelie C. "Private Information in Life Insurance, Annuity and Health Insurance Markets." Scandinavian Journal of Economics 119.4(2016).
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