CN102063682A - Wealth management method - Google Patents
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- CN102063682A CN102063682A CN2009102119334A CN200910211933A CN102063682A CN 102063682 A CN102063682 A CN 102063682A CN 2009102119334 A CN2009102119334 A CN 2009102119334A CN 200910211933 A CN200910211933 A CN 200910211933A CN 102063682 A CN102063682 A CN 102063682A
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Abstract
The invention discloses a wealth management method for performing career financial planning and management by using a user terminal. Processes of planning, trial simulation, suggesting and setting a plan and performing tracking management are combined, and the method comprises the following steps of: setting a financial goal and inputting the current financial status data through a wealth management system; calculating and simulating income and expense, asset and net and other data in the next fifty years through the system, and displaying the simulated result digitally and graphically. The system can output parameters suggested to be adjusted, and calculates and displays the adjusted result to compare two groups of simulated results before and after adjustment. A user can select any one group to set a financial plan, set an investment plan and a budget for the income and expense, and perform progress tracking management at any time so as to generate a compared effect with the plan.
Description
Technical field
The relevant a kind of Wealth management method of the present invention, assist the user to assess the feasibility of its wealth plan by a Wealth management system, the difference of more existing financial scheme and adjusted financial scheme, and then draft the wealth plan, and the progress of the actual wealth plan of tracking and managing.
Background technology
How properly to manage money matters, increase wealth and improve quality of the life or realize their dream, can be described as most people's life problem.So it is considerable having the financing planning and design that are fit to oneself; Suitable financing planning is according to present financial position, can finish as far as possible the financing object of planning desiring to reach, or prepare financial resources in advance according to the domination mode of wanting the target reached to change present revenue and expenditure situation, investment strategy or assets, improve the probability of reaching target.Inappropriate financing planning then can cause the financing gap situation that has after several years to take place, progressively or precepitate into financial difficulty.
Therefore, many people can ask financing planning to be assisted to the financing expert, and along with the progress of science and technology, have at present many financing planning systems, software also in response to and gives birth to, the user can just can obtain managing money matters and serve by the computation planning system of managing money matters, and is quite convenient.But how existing financing planning system does not deviate from five kinds of patterns, generally is divided into:
A. single from target financing tentative calculation: the user imports the required expenditure of single goal of financial management expection earlier, go out single investment or the fixed deposit amount of money, the rate of return on investment that should be equipped with at present or the value that adds the actual demand when the time comes afterwards of meter inflation rate by system-computed, this is the sequencing utilization of the multiple sharp computing formula of simple annuity.
B. financial analysis diagnosis: focus on the present financial position of input, for example take in, pay, be in debt, savings, investment etc., system exports various financial statements such as asset-liabilities, annual revenue expenditure, the number of annual surplus and every financial ratios of analyzing from above-listed numerical value afterwards.
C. be partial to demand for insurance and the retired financing tentative calculation program of planning.
D. keep accounts and budget for revenues and expenditures management software.
E. investment analysis software: analyze the calculated risk of this investment target or investment portfolio and return on investment etc. according to single or the known passing performance of several investment targets emphatically.
Hence one can see that, aforementioned every known financing planning system only provides the plan of simple target or the analytical statement of financial present situation, can't converge and put in order all financing objects of planning of user, also can't inspect this target and whether whether good, the whole balance of payment position of fitness is proper with the financial resources distribution with existing financial position, the long-term risk degree is as how; For example only do the preparation of retirement planning and children's education gold, but ignored the The Long-term Effect that the cost of purchasing car is accumulated the burden and the wealth of finance, so this there is no the perfect Wealth management service of discharging in fact for the user.
In view of this, the invention provides a kind of Wealth management method of innovation, with the computing of computer software and graph making function to overcome above-mentioned disappearance and restriction.
Summary of the invention
The objective of the invention is to solve existing financing planning system and only provide the plan of simple target or the analytical statement of financial present situation, can't converge and put in order all financing objects of planning of user, also can't inspect this target and whether whether good, the whole balance of payment position of fitness is proper with the financial resources distribution with existing financial position, the long-term risk degree is as how technical matters.
According to disclosed a kind of Wealth management method, be to comprise that the user logins a Wealth management system by user's terminating machine, utilize Wealth management default goal of financial management and import financial present situation data as an original financing plan, and according to these data, calculate an analog result, wherein analog result comprises pairing revenue and expenditure of user's age parameter/time parameter and assets parameter, to allow the user know whether financial present situation data can satisfy goal of financial management.And, this Wealth management system adjusted value of offering suggestions, whether adjust this goal of financial management or financial present situation data by this user's decision, if not, then Wealth management system is intended to be a financing with this original wealth and is set as plan output, if then calculate a new analog result, as a new wealth plan, this user selects this original financing plan or this new financing to be intended to be a financing according to this analog result and this new analog result and is set as plan with in view of the above.
As measure and financing gap will be arranged future or in present financial present situation, relatively poor financial ratios or index are arranged, system can export suggestion automatically and adjust parameter, and export a new analog result in view of the above, this parameter still tolerable user is adjusted and simulation again, system's tolerable stores a plurality of modeling schemes, the user selects wherein one group voluntarily according to the analog result of two each schemes, is set as plan as final financing.After setting was finished in plan, user's utilisation system was done two things, and (one) is the annual plan of making the budget for revenues and expenditures, utilized system tracks revenue and expenditure main project to inspect the situation of control real cash flows, guaranteed reaching of the progress of saving; (2) be to finish the detailed tabulation of detailed finance, plan simulated chart according to system's output, follow the trail of the comparison plan and should reach progress and the actual difference of reaching between the value, as the direction foundation of adjusting body Asset Allocation and investment portfolio, and carry out regular self-criticism, adjust financial plan to meet the long-term financing demand of economic atmosphere and the brachymedial of self.
Beneficial effect of the present invention is, in the concept introduction management of personal money process with special case management, to keep balance between revenue and expenditure throughout one's life is target, cooperate the Wealth management system of a full career formula to be carried out, can provide the tentative calculation of the financing object of planning, financial present situation to resolve, and can be simulated plan, and system's adjustment scheme of can offering suggestions allows the user compare former financing plan and what person of hypothetical plan is comparatively suitable.Afterwards, user system by this continues the progress of tracking and managing plan, with in response to the economic conditions that change at any time and the change of Personal Finance situation.In addition, this method estimates to be divided into two versions, uses for the popular and professional financial consultant of general Investment ﹠ Financing respectively, increases the function of input finance suggestion explanation in the professional version that the financial consultant uses.This function can be made a wealth plan proposed projects by the user, and project and the method for adjustment that should adjust in suggestion financial present situation and the target are described, and this proposed projects is sent with mail or as to its client's bulletin file.
Description of drawings
Figure 1A is a Wealth management Organization Chart of the present invention.
Figure 1B is the process flow diagram of popular version Wealth management method of the present invention.
Fig. 1 C is the process flow diagram that wealth of the present invention turns round and look at version Wealth management method.
Fig. 1 D is another Wealth management Organization Chart of the present invention.
Fig. 2 is the password and the account number inputting interface synoptic diagram of Wealth management of the present invention system.
Fig. 3 A is the setting content synoptic diagram that goal of financial management of the present invention is lived and planned about the kinsfolk.
Fig. 3 B is the setting content synoptic diagram of goal of financial management of the present invention about financing investment attribute.
Fig. 3 C is the setting content synoptic diagram of goal of financial management of the present invention about retirement planning.
Fig. 3 D is goal of financial management of the present invention is brought up planning about children a setting content synoptic diagram.
Fig. 3 E is that goal of financial management of the present invention is about buying movable property/praedial setting content synoptic diagram.
Fig. 3 F is the setting content synoptic diagram of goal of financial management of the present invention about insurance/family protection.
Fig. 3 G is a goal of financial management of the present invention about tourism, public good donations, venture capital, the setting content synoptic diagram with other targets of studying abroad/study.
The financial present situation schematic diagram data of Fig. 3 H for providing the user to import in the goal of financial management of the present invention.
Fig. 4 goes out the analog result synoptic diagram in an expenditure source according to original goal of financial management of user and financial present situation data computation for the present invention.
Fig. 5 goes out the analog result synoptic diagram of annual surplus and the assets tendency of 10 years First Five-Year Plans according to original goal of financial management of user and financial present situation data computation for the present invention.
Fig. 6 goes out a life insurance analog result synoptic diagram for the present invention according to original goal of financial management of user and financial present situation data computation.
Fig. 7 goes out a spouse life insurance analog result synoptic diagram for the present invention according to original goal of financial management of user and financial present situation data computation.
Fig. 8 is that the present invention is according to the adjusted expenditure of wealth plan proposed projects source analog result synoptic diagram.
Fig. 9 is the analog result synoptic diagram of the present invention according to adjusted annual surplus of wealth plan proposed projects and assets tendency.
Figure 10 is that the present invention is according to adjusted life insurance analog result of wealth plan proposed projects synoptic diagram.
Figure 11 is the life insurance analog result synoptic diagram of the present invention according to the adjusted spouse of wealth plan proposed projects.
Description of reference numerals:
10-user's terminating machine; 12-Wealth management system; The 13-Storage Media; The 14-webserver; 15,16-user's terminating machine; The 18-network system.
Embodiment
Please refer to Figure 1A, be a Wealth management system architecture diagram of the present invention, and with reference to Figure 1B, be the process flow diagram of the financing planing method of a kind of popular version of the present invention.At first, carry out step S1, the user connects user's terminating machine 10 by a Storage Media 13 earlier, and then login a Wealth management system 12, wherein Storage Media is one to have the hot plug memory storage of native system identification data and database, user's terminating machine can be a computer or other have the electronic installation of computing power, and the program of Wealth management system is stored in Storage Media 13 and the user's terminating machine.In step S2, after entering the Wealth management system, native system can require input to login password, as shown in Figure 2, and to reach the function of protection user data.In step S3, the user utilizes Wealth management default individual master data, goal of financial management and imports financial present situation data, and goal of financial management is selected from the kinsfolk and lives that planning, financing/investment attribute, retirement are planned, children bring up planning, purchases the house and automobile plan, family protection, tourism, public good are donated and venture capital etc. is formed group; Finance present situation data then are selected from income, expenditure, savings, investment, are in debt and insure the group that is formed.
Then, in step S4, Wealth management of the present invention system is the data of importing according to the user, calculate the expenditure cost of goal of financial management expection, statistics and every financial ratios of finance present situation, and put out financial statement in order, comprise the financial structure analysis of asset-liabilities, the analysis of cash flow of balance of payment position, the demand analysis of family protection demand and following goal of financial management, the following revenue and expenditure of simulation and assets tendency chart etc., allow the user understand present whole financial position and assess following finance breach whether occurs by financial statement, wherein financial statement can be selected to file by user's terminating machine, print, be output as file, electronic mail transmits.
In step S5, system more simulates the financial position in following 50 years according to the data computation of user's input, comprise pairing revenue and expenditure of user's age parameter/time parameter and assets parameter, show by chart, data data, the user also can be understood easily under the situation of the finance education that is not subjected to specialty, know whether whether financial present situation data can satisfy the financing object of planning for a long time, have problems such as financing gap.Wherein, the manifestation mode of above-mentioned chart comprises (one) expenditure source figure: estimate following required year expenditure, invest income, assets capital etc. as the financial resources of expenditure and with color differentiating with wages/work income, financing in regular turn, not had financial resources as year expenditure can prevaricate, and shows that then redness represents that current year can produce financing gap.(2) annual real earning and assets trend graph: estimate each annual revenue and expenditure profit and loss situation and assets increase and decrease situation, curve plotting or bar chart allow the user see that growing up may appear in the future in long-term financial situation or the trend of atrophy.(3) insurance risk is estimated figure: with the notion of Fig. 5, add the hypothesis that insured amount was die in 5 years, for the user weigh just in case when in 5 years, dieing present actual insured amount whether can the long-term finance of sufficient to guarantee family perfect.(4) the revenue and expenditure curve map is considered the single of currency inflation, every goal of financial management or repeatability expenditure, retirement back revenue source etc. to estimate following contingent revenue and expenditure situation.
Step S6 is that system judges whether the user future occur financing gap, determine whether input adjustment parameter, as the result for being that (being breach will occur future) then carries out step S7, to export the suggestion adjusted value automatically, the parameter that this suggestion is adjusted is reached the time limit, the whole Asset Allocation ratio of adjustment, raising rate of returns etc. for inessential consumption target value reduces, minimizing is paid, increase savings, prolong target in regular turn.As result whether (being breach can not occur future), then directly carry out step S9.
Subsequent steps S7 is the parameter that system output is adjusted, and allows that the user selects or revises, and makes system export one group of new analog result contrasts adjustment for the user benefit.Step S6 to S7 can repeat to implement and store many modeling scheme data and analog result for the user, then carry out step S9 then, the user is by the whole supplemental characteristic of the several styles before and after above the adjustment, setting wherein one group is the wealth plan, as the tracking winning post numerical value of user's Wealth management, can reach priority by user's goal of financial management that is ranked voluntarily.If in step S6, system's judged result is not (user future finance breach can not occur), then directly carries out step S9, is exactly to be the wealth plan in the original plan.
At last, shown in step S10, native system more can regularly be followed the trail of the execution benefit of user's financing plan, in system, import the execution time-histories of financing plan by the user, it comprises zero-time and deadline, so system can remind the user to carry out the binding site databases when each start-up routine automatically, to upgrade time-adjusted investment data such as its fund or stock or to import every financial data actual value voluntarily.System is provided with the database of domestic every stock and fund net value every day at Website server, and for user's down loading updating, if any the corresponding data of input, its net value will upgrade the user automatically when filing.In addition, the user imports its real revenue/expenditure/savings/investment etc. at any time, and for system tracks wealth planning execution progress, compare the actual difference that value and target are reached value of reaching, drafting tracking chart, and the confession user compares the difference of actual progress and plan.
With reference to Fig. 1 C, be the Wealth management method flow diagram of a kind of professional version of the present invention.The financing planing method of professional version and aforementioned popular version, difference are that professional version can provide making and output professional advice scheme supporting paper to the user.As shown in the figure, be to carry out step S8 earlier after carrying out step S7, by professional money-managing consultant wealth plan proposed projects is proposed; Or in step S6, select not input to adjust parameter earlier, also be then to carry out step S8.In step S8, the professional version user of this Wealth management system still can make a wealth plan proposed projects by system, content comprises the data that basic finance are judged, as every basic financial present situation numerical value and important financial index or ratio, and can import detailed description, comments for professional money-managing consultant, and the goal of financial management or the financial present situation project of the adjustment of suggestion palpus, then this remittance abroad is sent as the bulletin file or with the Email form.Then, carry out step S9, the user selects wherein a group of two groups or more data of simulating, is set at the wealth plan.At last, carry out step S10, follow the trail of the execution benefit of user's wealth plan.
With reference to Fig. 1 D, be another Wealth management configuration diagram of the present invention.As shown in the figure, this framework comprises that one has the webserver 14 of Wealth management system, a plurality of user's terminating machines 15,16, and one network system 18 couple the webserver 14 and user's terminating machine 15,16, allow the different terminals machine use this Wealth management system simultaneously so that a network platform to be provided.Moreover the step of the management system that uses one's wealth repeats no more as hereinbefore then.
Below be further to disclose about in abovementioned steps 3 setting content of goal of financial management.
Fig. 3 A is for showing the setting of living and planning about the kinsfolk, comprise input kinsfolk's data (for example name, sex, birthday), everyone cost of living, except that how old I need pay with other kinsfolks (for example elder, the children) cost of living the spouse.
Fig. 3 B is for showing the foundation about financing/investment attribute, and the attribute of wherein managing money matters is selected from priority content, the priority content of accumulating wealth of value of life sight, the service time of contingency, personal risk and how long inspects/upgrade the group that this financing plan is formed; The investment attribute is selected from the inflation rate setting, rate of price rises is set, educated the tuition fee increase rate and sets, sets the group that is formed about the investment strategy and the rate of returns of the main considerations of investment and can accept the risk grade, expectation.
Fig. 3 C is for showing the setting about retirement planning, comprise the foundation of retired target, for example import about the retirement age, the requirements that retirement lives takes, and the source of retired pay is mainly from legal system degree (the enterprise's retired pay for example that moves back, national annuity, labour protection annuity and government functionary's retired pay etc.) or prepare voluntarily (for example to insure annuity, regularly repay principal, rent, interest), input is to claim by stages or once claim, system is that tentatively calculating goes out the result afterwards, estimation target requirement total value, demand gap, begin now how much should be deposited in every month, or just begin after the several years to save then how much should be deposited in every month, just can reach the retired object of planning that sets.
Fig. 3 D is for showing the setting about the planning of children's higher education expense, estimate that earlier children are at the cost of living and the educational expenses of all ages and classes during the stage, be that (for example university is 4 years for the higher education time set afterwards, research institute 2 years) to estimate total high educational expenses, and the present special fund plan of input about education fund, comprise the education gold that has had at present, the following preparation fund that can receive, the periodic plan savings, for example planned how much is deposited in every month, in like manner, after the system is that tentatively calculating goes out the result, estimation target requirement total value, demand gap, begin now how much should be deposited in every month, or just beginning savings after the several years then should deposit how much in every month, just can reach the children's higher education expense object of planning that sets.The preparation that these children bring up the expense target also can be considered individual career debt, should include in planning individual guarantee and consider, and plans in full amount with the guarantee of guaranteeing personal risk.
Fig. 3 E is for showing about buying movable property/praedial setting, with room and car as example, but be not limited thereto, similarly the user also need import the total charge of room or car, if the words of providing a loan, need import the loan number of times, loan interest rate, the length of maturity, then be scheduled to the time buying, the time set of consuming frequency, wherein consuming frequency refers to every how long to consume once, and the present special fund plan of input about the car of purchasing house/purchase, comprise the house-purchase that has had at present or purchase the car money, the following preparation fund that can receive, the periodic plan savings for example planned how much is deposited in every month.In like manner, after the system is that tentatively calculating goes out the result, the house-purchase of estimate the target requirement total value, having deposited/purchase car special fund amount of money total, demand gap, begin how much to be deposited in every month now, or just open savings after the several years and the beginning then how much should be deposited in every month, just can reach the house-purchase that sets/the purchase car object of planning.
Fig. 3 F is for showing the setting about family protection, for example life insurance guarantee, the medical treatment of being in hospital, major disease, disability anergy, wherein about life insurance ensure content setting be estimate life ceremony expense, leave for the household the amount of compensation ($/year), take in the group that make-up time (year) and life insurance requirements of support total value are formed; Set the ward level that comprises when being in hospital, average every day medical expense, the nurse expense of being in hospital about the medical content of being in hospital and compensate the group that demand is formed average every day with the medical treatment of being in hospital; Comprise the group that operation and the course of treatment, long-term nurse expense ($/moon), income and nurse make-up time, major disease compensation demand total value are formed about the major disease content setting; Comprise the group that rehabilitation medical expense, equipment expense, income make-up time and disability anergy compensation demand total value are formed about disability anergy content setting.
Fig. 3 G shows about tourism, public good donations, venture capital, studies abroad/study and the setting of other targets, the user imports the required total charge of target, and carry out the time set of the schedule time, consuming frequency, wherein consuming frequency refers to every how long to consume once, and the present special fund plan of input about target, comprise the special fund (tourism gold, non-profit foundation, the venture capital that has promptly had or the fund etc. of studying abroad/study) that has had at present, preparation fund, the periodic plan savings that can receive future, for example planned how much is deposited in every month.In like manner, after the system is that tentatively calculating goes out the result, estimate target requirement total value, the special fund amount of money total of having deposited, demand gap, begin how much to be deposited in every month now, or just beginning savings after the several years then should deposit how much in every month, just can reach the object of planning that sets.
Fig. 3 H is for showing the financial present situation that can import or all types of detailed data, as shown in the figure, be broadly divided into types such as savings and investment, debt, revenue and expenditure and insurance, the detailed data of each type is imported all data for the user is provided according to individual and family's present situation thereof.
Below be to introduce step S5 to S9 with the example of a reality to plan analog content about financing.
With reference to Fig. 4 to Fig. 5, disclose respectively according to original goal of financial management of user and financial present situation data computation and go out the analog result synoptic diagram in an expenditure source and the analog result synoptic diagram of annual surplus and assets tendency, and, go out I and spouse's life insurance analog result synoptic diagram according to the original goal of financial management of user and financial present situation data computation respectively together with reference Fig. 6 to Fig. 7.Show that in Fig. 4 the user began to occur financing gap after 87 years old, show among Fig. 5 the user in the evening of life assets glide day by day and annual surplus is to bear into long status, in Fig. 6, show the user greatly after 45 years old, year, expenditure was greater than gross income, and available assets were later on to present negative the growth at 66 years old, Fig. 7 shows that spouse's situation is better than the user, and available assets are to grow up always.
Moreover, the step S6 shown in aforementioned Figure 1B and Fig. 1 C process flow diagram, by system's computing with the preset standard value as index, differentiate the back automatically output show that one sets up the parameter that goal of financial management that view should adjust and finance are adjusted, as following form one to shown in the form six.In form one, be that spouse's retirement time is delayed in expression, reducing retirement always needs the amount of money.In form two, be that expression is shortened and to be bought that the room is required to be reached the time, delay buying car and travel required reaching the time.In form three, ratio between investments is adjusted in expression, improves the ratio between investments of appreciation type.In form four and form five, expression adjustment ensures content, increases user's life insurance guarantee, the guarantee of disability anergy, additional premium.In form six, the revenue and expenditure content is adjusted in expression, reduces cost-of-living expense.Certainly, these forms can be adjusted voluntarily by the user; In addition also can be from the proposed projects of Wealth management.
Form one
Form two
Form three
Form four
Form five
Form six
Afterwards, the user can simulate according to this wealth plan proposed projects, and then system exports immediately according to the adjusted analog result of this wealth plan proposed projects, and is promptly as shown in Figs. 8 to 11.In Fig. 8, show to overcome user's financing gap in old age problem, in Fig. 9, show still have old age save in good year with
And the assets tendency is the state of raising up, but shows that in Figure 10 user's investment assets is improved, present just to become long status, but the investment assets that in Figure 11, shows the spouse be still and just become long status, but but lack than the investment assets of script Fig. 7.User's recommended value of providing of Adjustment System has voluntarily met the financing pattern or the purpose of self reality, is beginning simulation, also can increase difference and the actual feasibility of carrying out that modeling scheme is compared each scheme.
Native system professional version user can utilize native system to propose to make wealth diagnosis and plan recommendation file, can import about relevant finance diagnosis more detailed descriptions such as financial structure, investment configuration, the insurances of revenue and expenditure cash flow, and utilize the tentative calculation of native system analog functuion to go out the feasibility of proposed projects and the benefit of improvement, content comprises four sports (1) client manage money matters planning purpose and object declaration, (2) client's finance present situation is resolved explanation, (3) client's finance problem or secret worry, (4) action suggested scheme (5) client's interests.Can change into the file remittance abroad or send by user's terminating machine after completing with electronic mail formats.
Moreover, the specialty money-managing consultant can pass to the client with this electronic data by the webserver after for account planning, its client is imported in the program data base of its this machine as if having the software program of general popular version and the electronics shelves that directly money-managing consultant provided under the spendable state being installed, and removes the trouble that repeats to import from.
In sum, Wealth management method of the present invention can assist the user to draft suitable wealth plan, reach plan smoothly, the fund that the user also can note down oneself flows, utilization, becomes the little helper of budget for revenues and expenditures management and management by objective, for the planning expert that manages money matters, be equivalent to a good financing planning instrument again, be convenient to plan client's financing plan, and concrete suggestion is provided simultaneously, and carry out follow-up tracking and managing.
The above description of this invention is illustrative, and nonrestrictive, and those skilled in the art is understood, and can carry out many modifications, variation or equivalence to it within spirit that claim limits and scope, but they will fall within the scope of protection of the present invention all.
Claims (10)
1. a Wealth management method is characterized in that, comprising:
The user logins a Wealth management system by user's terminating machine;
Utilize this Wealth management default goal of financial management and import financial present situation data as an original wealth plan, and go out an analog result according to this data computation, wherein, this analog result comprises the pairing assets parameter of user's age parameter/time parameter, to allow the user know with existing financial resources and processing mode whether to satisfy this goal of financial management that expection reaches; And
This Wealth management system adjusted value of offering suggestions, whether adjust this goal of financial management or financial present situation data by this user's decision, if not, then Wealth management system is intended to be a financing with this original wealth and is set as plan output, if, then calculate a new analog result, as a new wealth plan, this user selects this original financing plan or this new financing to be intended to be a financing according to this analog result and this new analog result and is set as plan with in view of the above.
2. Wealth management method as claimed in claim 1 is characterized in that, when calculating this analog result, more comprises output one financial statement, and wherein this financial statement can select to file, print, be output as file by this user's terminating machine, electronic mail transmits.
3. Wealth management method as claimed in claim 1, it is characterized in that, after this financing of output is set as plan, comprise that more the user carries out this financing and is set as plan, the user regularly imports the real revenue/expenditure/savings/input amount of money under the time-histories of this wealth plan, follow the trail of this wealth planning execution progress for this financing planning system, wherein this time-histories comprises zero-time and deadline.
4. Wealth management method as claimed in claim 1, it is characterized in that this goal of financial management is selected from live planning, financing/investment attribute, retirement lives planning, children of kinsfolk and brings up planning, movable property/real estate sales/purchase, family protection, tourism, public good donations, studies abroad/study and group that venture capital is formed.
5. Wealth management method as claimed in claim 4, it is characterized in that this financing attribute is selected from priority content, the priority content of accumulating wealth of value of life sight, the service time of contingency, personal risk and how long inspects/upgrade the group that the financing plan is formed.
6. Wealth management method as claimed in claim 4, it is characterized in that this investment attribute is selected from the inflation rate setting, rate of price rises is set, educated the tuition fee increase rate and sets, sets the group that is formed about the investment strategy and the rate of returns of the main considerations of investment and can accept the risk grade, expectation.
7. Wealth management method as claimed in claim 1 is characterized in that, these finance present situation data are selected from the group that savings, investment, debt, revenue and expenditure and insurance are formed.
8. Wealth management method as claimed in claim 1 is characterized in that, this Wealth management system passes through a storing media stores in this user's terminating machine.
9. Wealth management method as claimed in claim 1 is characterized in that, this Wealth management system stores in a webserver, this user's terminating machine couple a network system with the mutual message transmission of this webserver.
10. financing management method as claimed in claim 1, it is characterized in that, when producing this new wealth plan, this Wealth management system more exports a wealth plan proposed projects, it contains the content of the project adjusted of data that basic finance judge and this financing object of planning or financial data, the user is according to this analog result, this new analog result and this wealth plan proposed projects, select this original wealth plan or this new wealth to be intended to be this financing and be set as plan, wherein this wealth plan proposed projects comprises that more professional money-managing consultant imports detailed description.
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| CN2009102119334A CN102063682A (en) | 2009-11-16 | 2009-11-16 | Wealth management method |
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| CN2009102119334A CN102063682A (en) | 2009-11-16 | 2009-11-16 | Wealth management method |
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| CN102708467A (en) * | 2012-05-22 | 2012-10-03 | 苏州奇可思信息科技有限公司 | Personal financial management system |
| CN103020724A (en) * | 2012-05-08 | 2013-04-03 | 任一涛 | Automatic planning and optimization selection system and method |
| WO2013063790A1 (en) * | 2011-11-04 | 2013-05-10 | Mak Siu Cheung Louie | Life element guiding and financial planning system |
| CN104537564A (en) * | 2015-01-24 | 2015-04-22 | 宜信卓越财富投资管理（北京）有限公司 | System and method for combined management of asset allocation and investment |
| CN105608566A (en) * | 2015-12-21 | 2016-05-25 | 宁夏极致网络科技有限公司 | Target information processing method and apparatus |
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