摘要
随着人民生活水平的不断提高,我国居民对理财规划的需求越来越强烈,大量投资信息层出不穷.以工薪阶层为主要研究对象,结合其现金流量、现有资产配置、风险偏好以及理财目标,研究投资理财组合规划策略,结果表明工薪阶层在投资理财方案中存在一定的误区,需要合理制定不同阶段的理财方案.
With the continuous improvement of Chinese residents, living standards, the demand for financial planning is getting stronger and stronger, and a large amount of investment information is emerging one after another. With using the salariat as the main research object,the purpose of this paper is to combine their cash flow,existing asset allocation methods, risk appetite and financial management goals to study the necessity of optimizing and upgrading the portfolio investment and the financial planning strategy. The results of this study show that there are certain misunderstandings in the investment and financial planning of the working class and corresponding improvement measures for these issues are needed.
作者
张宇
ZHANG Yu(School of Economics and Tourism,Changjiang Polytechnic,Wuhan,Hubei 430000,China)
出处
《江苏建筑职业技术学院学报》
2018年第4期51-53,共3页
Journal Of Jiangsu Vocational Institute of Architectural Technology
基金
湖北省普通高校人文社会科学重点研究基地湖北技能型人才培养研究中心基金项目:"互联网+"助推高职金融类专业实践平台转型升级的对策研究(2017JA001)
关键词
个人理财规划
养老
投资组合
风险偏好
personal financial planning
provide for the aged
investment portfolio
risk appetite
