1, cash planning.
Individuals hold cash mainly to meet daily expenses, emergency prevention and speculative needs. Individuals should ensure that they have enough funds to pay for planned and unplanned expenses.
2. Consumption expenditure planning.
The primary goal of personal financial management is not to maximize personal value, but to make personal financial situation stable and reasonable. In real life, reducing personal expenses is sometimes easier to achieve financial goals than seeking high return on investment.
3. Educational planning.
Education is the foundation of life. With the changes of the times, people's requirements for education are getting higher and higher. Coupled with the increasing education expenditure, the proportion of education expenditure is increasing.
4. Risk management and insurance planning.
In one's life, risks are everywhere. Financial planners make appropriate financial arrangements through risk management and insurance planning to minimize the losses caused by accidents, so that customers can better avoid risks and protect their lives.
5. Tax planning.
Paying taxes is everyone's legal obligation, but taxpayers often want to minimize their tax burden. In order to achieve this goal, financial planners make full use of the preferential and differential treatment stipulated in the tax law, and appropriately reduce or delay the tax expenditure by pre-planning and arranging the taxpayer's economic activities such as operation, investment and financial management.
6. Investment planning.
The increase of personal wealth can be achieved by reducing expenditure, but the absolute increase of personal wealth will ultimately be achieved by increasing income. Wage income is limited, and investment is completely characterized by actively striving for higher returns. The rapid accumulation of personal wealth is mainly achieved through investment.
7, retirement pension planning.
When people reach old age, their income ability will inevitably decline. Therefore, it is necessary to carry out financial planning in the middle-aged and young people in order to achieve the dignified and independent life goal of "providing for the elderly, having a proper end and enjoying the old age".
8. Property distribution and estate planning.
Property distribution planning refers to the financial planning of reasonable distribution of family property among family members. Financial planners should assist clients to distribute property reasonably to meet the needs of family members at different stages of family development.
Baidu encyclopedia-financial planning