After defining the customer's financial objectives, financial preferences, financial status and other factors, you should make an overall evaluation of the customer or his family. The assessment mainly includes:
(1) Customer's individual or family risk-taking ability assessment;
(2) Evaluation of expected financial results;
(3) Evaluation of the duration of financial management.
On the basis of full evaluation, according to the three principles of financial management, namely liquidity, safety and liquidity, set the most suitable financial management strategy for customers and establish a reasonable portfolio of financial management tools. After that, we should always pay attention to the analysis of macroeconomic and market changes and revise the combination of financial management strategies at any time. If there is a big change in personal family situation, you can do it again according to the original steps.
According to your analysis of customers' financial needs and financial behavior preference test, you can give customers the following financial strategies on the basis of correctly handling security and financial management:
(A) the financial strategy of capital preservation
The goal of this financial management strategy is to protect the capital: first, to ensure that the principal will not decrease; Second, the funds obtained from financial management can resist the pressure of inflation, which is more suitable for financial managers with low risk tolerance, such as the super conservative and somewhat conservative families mentioned above. The main financial management tools are savings, national debt and guarantee insurance. Reference portfolio: savings and insurance account for 70%, bonds account for 20% and others account for 10%.
(B) the steady growth-oriented financial management strategy
The goal of this financial management strategy is to seek capital appreciation on the basis of stable income, which is more suitable for financial managers with certain risk tolerance, such as the ideal financial manager mentioned above. The main financial instruments are dividend insurance, national debt, funds and foreign exchange loans. Savings and insurance account for 40%, bonds account for 20%, funds and stocks account for 20%, and other financial management accounts for 20%.
(C) High-yield financial management strategy
The goal of this financial management strategy is to obtain high returns, which is more suitable for financial managers with high risk tolerance, such as the impulsive financial managers mentioned above. The main financial management tools are stocks, funds and investment-linked insurance. If you have enough money, you can also buy a house and speculate in foreign exchange. Reference portfolio: savings insurance 20%, bonds and stocks 60%, foreign exchange and real estate 20%.
No matter what kind of financial portfolio, every family must have an insurance plan, but the proportion and category of insurance in different financial portfolios are different. With the emergence of wealth management products, insurance not only has the functions of capital preservation and protection, but also has the function of wealth management, and has become an ideal financial management tool for families to realize capital appreciation.