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[lastpost] => 2809975 他们给 ZachXBT 写了个好剧本，一个比一个赚的多（转） 1772247548 caoch
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随着个人财富的增长，越来越多的人开始关注理财，而理财规划师也成为一个热门职业，不少人想要考取理财规划师证，那么，取得理财规划师证书之后有哪些好处呢？ t9 e5 M+ z7 F) i" j
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考取理财规划师证书， 高薪就职有保障 , l, Y7 p z2 F$ t+ \; ^
6 A9 M1 ~# n) u0 T5 V0 ?/ J理财规划师作为时下最火热最吃香的职业之一，其薪资待遇也是分为好几等的。据深圳人才市场数据显示，理财规划师平均工资是税后15360元，最低工资也达到了8500元，最高工资则没有封顶，大部分都是12000元左右，而且目前人才市场上理财规划师人才也是奇缺。 1 T! z! B8 J @4 l6 r
3 u a& i2 x" k, m8 ~5 ~高薪是我们追求的物质需求，有了高薪才有可能追求我们更高的需求，就像我们经常说的那句话：经济基础决定上层建筑。 # P6 f2 } ]1 p+ o. ~3 X R
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: f% K! T; a; {5 v3 y/ O9 J理财规划便于实现教育期望
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( \7 ?; ~* Q, z8 C0 s0 I; [# z' K教育为人生之本，时代变迁，人们对受教育程度要求越来越高。再加上教育费用持续上升，教育开支的比重变得越来越大。我们更加需要及早对教育费用进行规划，通过合理的财务计划，确保将来有能力合理支付自身及其子女的教育费用，充分达到个人(家庭)的教育期望。 " d; k; P7 C7 @0 Q9 f- i* j
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知识永远都是可以创造财富，知识可以改变命运，这是千百年来的道理。通过理财规划可以让你有机会学习。 ! o" X0 W. M; k, [; \; U+ b
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必要的资产流动性
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个人持有现金主要是为了满足日常开支需要、预防突发事件需要、投机性需要。个人要保证有足够的资金来支付计划中和计划外的费用，所以理财规划师在现金规划中既要保证客户资金的流动性，又要考虑现金的持有成本，通过现金规划使短期需求可用手头现金来满足，预期的现金支出通过各种储蓄或短期投资工具来满足。 . Y, l& c2 _7 r8 g+ C" S& ~
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4 ]5 O: z- T! A* f5 I/ v风险保障让你面对突发事件处变不惊
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在人的一生中，风险无处不在。只要你掌握了专业的理财规划技巧，通过风险管理与保险规划做到适当的财务安排，将意外事件带来的损失降到最低限度。理财规划，规划好自己的生命保险，让自己未来一切无忧。 - p6 N# _/ y5 K4 A
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保持收支结构大体平衡 5 u1 L# d: C. ?7 }
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个人理财目标的首要目的并非个人价值最大化，而是使个人财务状况稳健合理。在实际生活中，减少个人开支有时比寻求高投资收益更容易达到理财目标。通过消费支出规划，使个人消费支出合理,使家庭收支结构大体平衡。 0 p! @9 q; s+ P* r( D* I: @
7 t Q3 }! ^1 @6 x这个对于大多数家庭是有用的。收支平衡，可以保证自己的日常生活的开支。 ' w3 u( z3 P* n( h
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- L6 O4 S+ m( A6 w9 ? U, T5 z合理的纳税安排，让你过上优质生活
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' I; R6 F8 f3 _1 z( O, F6 H准球王梅西曾因为偷税漏税问题给西班牙税务局盯上，最后不但要补缴漏税金额，还要罚款1000万欧元，甚至差点就要遭受牢狱之灾。 : k9 U7 Y/ M$ m/ t+ @+ i* i
4 n; z5 \7 I9 ~5 Q1 g这个小故事告诉了我们：纳税是每一个人的法定义务，但纳税人将自己的税负减到最小。为达到这一目标，懂得理财规划的人会通过对纳税主体的经营、投资、理财等经济活动的事先筹划和安排，充分利用税法提供的优惠和差别待遇，适当减少或延缓税负支出。
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合理的理财规划，可以让提高你的人生的节奏，不管是生活，教育，家庭还是未来，都是一笔巨大的规划财富，而这一切都来于理财规划。
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来源：金色财经 |
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