Financial planning operation

Usually, financial planning needs to consider the following contents: living consumption expenditure (current assets planning), investment planning, education planning, retirement, marriage, housing planning, medical care, insurance planning, debt repayment, tax planning, inheritance planning, etc. You can make a detailed financial goal planning table, listing the financial content, current situation, expected goals, set deadlines, and what resources to use.

Common financial goals Personal situation Short-term goals (within 2 years) Medium-term goals (2-5 years) Long-term goals (more than 5 years) Single people complete their studies, repay short-term education loans, travel for further study, medical treatment, purchase a house, reserve pension, parents provide for the elderly and start a family (childless) cycle vacation, purchase a car, parents' medical treatment, house decoration, financial investment, other investment, retirement housing and long-term investment. Buying a new car, storing children's education funds and housing, and improving family financial planning are one of the matters needing attention. The current asset planning must consider ensuring daily consumption expenditure in a short time, determining reasonable and necessary expenditure items and controlling excessive expenditure, and strictly controlling extrabudgetary expenditure, so as to lay a solid foundation for the stable growth of personal finance. Investment planning must analyze whether the investment structure is reasonable and safe, whether the investment income is efficient and maximized, make overall arrangements and use of self-owned property, and determine an effective investment plan. Education planning takes into account the influence of national and local education policies and their own ability to pay, sets educational expectation goals, and reasonably pays their own or their children's education expenses according to the educational goals. Matters needing attention in family financial planning (2) Retirement and pension planning is not only their own needs, but also related to the quality of life of parents in their later years. Filial piety is the first of all virtues, and China has had the idea of educating people with filial piety since ancient times. Since we have the ability to create wealth, we should consider how to realize this responsibility and obligation and plan ahead. Insurance planning is to resist unknown risks and disasters, so that relatives can have a reliable guarantee after the disaster. Insurance itself cannot be considered from the perspective of self, even if it is endowment insurance or medical insurance. It is also an obligation to reduce risks and burdens for family members. Insurance planning needs rational analysis, long-term planning and formulation. Matters needing attention in family financial planning tax planning was rarely mentioned before. With the changes in the national tax system reform this year, we should make full use of the preferential and differential treatment of tax policies, save taxes according to law or postpone taxes within a time limit. The goal of these plans is to maximize after-tax income. As long as the goal of estate planning is how to reduce disputes in the distribution process and legally save taxes, the testator's personal wishes can be successfully inherited and realized. The following is a detailed plan of three financial management objectives: the current status of financial management content expected to be achieved in the target time period, and the monthly demand for financial management resources.