1.0 Introduction介紹

個(gè)人理財(cái)是通過(guò)分析個(gè)人收入、過(guò)程資產(chǎn)，負(fù)債及其他數(shù)據(jù)，它是根據(jù)個(gè)人的喜好和對(duì)風(fēng)險(xiǎn)的承受能力，結(jié)合預(yù)定目標(biāo)運(yùn)用儲(chǔ)蓄、保險(xiǎn)、證券、外匯、收藏、住房投資等多種手段管理資產(chǎn)和負(fù)債，以及合理的資金安排，使得個(gè)人可以接受從而在最危險(xiǎn)的范圍最大限度地提高資本收益，，（chianglin和Lin，2008；那珀穆斯諾和拉羅什，2015）。個(gè)人理財(cái)是不同于單純的儲(chǔ)蓄或投資，它不僅包括財(cái)富的積累，而且投資者的風(fēng)險(xiǎn)管理和控制，即在他們的生活和健康的意外，或出現(xiàn)不利的變化，如惡性通貨膨脹，降低匯率的經(jīng)濟(jì)環(huán)境下，他們也是存在的，對(duì)他們的家庭生活標(biāo)準(zhǔn)會(huì)會(huì)產(chǎn)生嚴(yán)重影響（那珀穆斯諾和拉羅什，2015；szarowská，2014）。個(gè)人理財(cái)在加速人們的財(cái)富，避免財(cái)富的破壞，以及預(yù)防事故對(duì)生活質(zhì)量的影響方面起著非常積極的作用。然而，融資是一個(gè)非常復(fù)雜的任務(wù)，需要大量的專業(yè)知識(shí)來(lái)確定如何確定財(cái)務(wù)目標(biāo)、如何控制和規(guī)避財(cái)務(wù)風(fēng)險(xiǎn)，以及如何最大限度地發(fā)揮財(cái)務(wù)管理的經(jīng)濟(jì)效益等方面的問(wèn)題。這方面的知識(shí)對(duì)成功的融資和投資有積極的影響。本文結(jié)合了一些財(cái)務(wù)管理理論，討論了在未來(lái)60年或70年的建議人們需要在財(cái)務(wù)管理中的知識(shí)和技能，在此基礎(chǔ)上提出了如何使用這些知識(shí)和技能。Personal finance is the process based on analysis on personal income, assets, liabilities and other data, it is according to individuals’ preferences and affordability towards risks and combined with predetermined targets to use savings, insurance, securities, foreign exchange, collection, housing investment and other kinds of means in managing assets and liabilities, as well as reasonable arrangement of funds, thus maximizing capital gains within the scope of the most risk that individuals can accept (ChiangLin and Lin, 2008; Nepomuceno and Laroche, 2015). Personal finance is unlike simple savings or investments, it includes not only the accumulation of wealth, but also investors' risk management and control, that is, when there is an accident in their lives and health, or there is an adverse change, such as hyperinflation, significantly reduced exchange rate in the economic environment they are exist in, the standard of living of their families will not have to be seriously affected (Nepomuceno and Laroche, 2015; Szarowská, 2014). Personal finance plays a very active role in accelerating people’s wealth, avoiding wealth destruction, and the prevention of impact from accidents on quality of life. However, financing is a very complex task which requires a lot of expertise on how to determine financial goals, how to control and avoid financial risks, and how to maximize the economic benefits of financial management and so on. This knowledge has a positive effect for successful financing and investment. This essay combines with a number of financial management theory to discuss what knowledge and skills that people need to have in financial management, based on this to bring forward recommendations on how to use these knowledge and skills in the next 60 or 70 years.

2.0 Main body
2.1 Steps of personal finance
2.2 Theory and application of personal finance
2.2.1 Life cycle theory and its Applications
2.2.2 Portfolio theory and its application 
2.2.3 Risk appetite theory and its application 
2.2.4 Time value of money theory and its application 
2.3 Discussion

3.0 Conclusion總結(jié)

Personal finance plays a very active role for people to make the most of their wealth, avoid wealth destruction, and prevent the impact of accidents on their quality of life. Though personal finance is also a very complex task, it requires a lot of expertise. In personal finance course, investors can use life cycle theory to determine financial goals, but in the future, they should pay more attention to the development and implementation of future investment plans and strategies during retirement. Investors can use portfolio theory to control and avoid financial risk and maximize economic benefits, but there is the need for investors to improve their financial knowledge and skills, or entrust appropriate financial institutions to help them to make right portfolio decisions. Investors can use risk appetite theory to control risk, but it should be noted that risk appetite is not equivalent to risk tolerance, risk tolerance is an important basis for personal financial planning. Investors can take advantage of time value of money theory to maximize economic benefits in financial management, but they can not ignore various risks, they need to weigh risks and benefits to choose a suitable investment plan.
 

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