{"id":5561,"date":"2016-03-20T00:00:00","date_gmt":"2016-03-19T16:00:00","guid":{"rendered":"https:\/\/staging.chalks.com.my\/general-articles\/financial-planning\/"},"modified":"2025-02-21T05:21:18","modified_gmt":"2025-02-20T21:21:18","slug":"financial-planning","status":"publish","type":"post","link":"https:\/\/tollyjoy.com.sg\/zh-hans\/financial-planning\/","title":{"rendered":"\u8d22\u52a1\u89c4\u5212"},"content":{"rendered":"

\u7b80\u4ecb<\/strong><\/p>\n

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\u5065\u5168\u8d22\u52a1\u89c4\u5212\u5165\u95e8<\/strong><\/p>\n

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\"Financial_Planning_01\"<\/p>\n

\u4fdd\u9669<\/strong><\/p>\n

\u5bf9\u4e8e\u9996\u6b21\u6253\u7b97\u751f\u80b2\u7684\u592b\u5987\u800c\u8a00\uff0c\u6700\u91cd\u8981\u7684\u8d22\u52a1\u89c4\u5212\u6b65\u9aa4\u4e4b\u4e00\u5c31\u662f\u83b7\u5f97\u9002\u5f53\u7684\u4fdd\u9669\u4fdd\u969c\u3002\u201c\u4fdd\u9669\u662f\u5efa\u7acb\u5f3a\u5927\u8d22\u52a1\u57fa\u7840\u7684\u5173\u952e\uff0c\u5c24\u5176\u662f\u5bf9\u4e8e\u90a3\u4e9b\u5e76\u672a\u51c6\u5907\u5927\u91cf\u5e94\u6025\u8d44\u91d1\u4ee5\u5e94\u5bf9\u4e00\u65b9\u6216\u53cc\u65b9\u53d1\u751f\u610f\u5916\u65f6\u7684\u5e74\u8f7b\u592b\u5987\u5bb6\u5ead\uff0c\u201dLoo\u5148\u751f\u89e3\u91ca\u9053\u3002<\/p>\n

\u4e00\u65e6\u8d2d\u4e70\u4fdd\u9669\uff0c\u60a8\u5c31\u53ef\u4ee5\u5c06\u98ce\u9669\u4ece\u5df1\u65b9\u8f6c\u79fb\u7ed9\u4fdd\u9669\u516c\u53f8\u3002\u82e5\u53d1\u751f\u610f\u5916\uff0c\u4ece\u4fdd\u5355\u4e2d\u83b7\u5f97\u7684\u6536\u76ca\u4fbf\u53ef\u7528\u4e8e\u652f\u4ed8\u5b69\u5b50\u7684\u6559\u80b2\u8d39\u7528\u6216\u5bb6\u5ead\u5f00\u652f\u3002\u56e0\u6b64\uff0c\u4e00\u4e2a\u5065\u5168\u7684\u4fdd\u5355\u5e94\u5305\u542b\u9488\u5bf9\u4eba\u5bff\u3001\u533b\u7597\u3001\u91cd\u5927\u75be\u75c5\u548c\u4eba\u8eab\u610f\u5916\u4f24\u5bb3\u65b9\u9762\u7684\u4fdd\u969c\u3002<\/p>\n

\"Financial_Planning_02\"<\/p>\n

\u73b0\u91d1\u50a8\u5907<\/strong><\/p>\n

\u9664\u4e86\u4fdd\u9669\u4e4b\u5916\uff0c\u60a8\u8fd8\u5e94\u62e5\u6709\u8db3\u4ee5\u652f\u4ed8\u76f8\u5f53\u4e8e\u4e09\u81f3\u516d\u4e2a\u6708\u5bb6\u5ead\u603b\u5f00\u652f\u7684\u73b0\u91d1\u50a8\u5907\uff0c\u4ee5\u4fbf\u5ea6\u8fc7\u4efb\u4f55\u6025\u9700\u7528\u94b1\u7684\u8270\u96be\u65f6\u671f\u3002<\/p>\n

\u6b64\u5916\uff0c\u60a8\u8fd8\u8981\u4e3a\u5b9d\u5b9d\u7684\u751f\u4ea7\u50a8\u84c4\u4e00\u7b14\u989d\u5916\u7684\u8d44\u91d1\u3002\u8fd9\u7b14\u8d44\u91d1\u7684\u603b\u91d1\u989d\u53ef\u6839\u636e\u60a8\u6253\u7b97\u5728\u54ea\u91cc\u4ee5\u4f55\u79cd\u65b9\u5f0f\u8fce\u63a5\u5b9d\u5b9d\u51fa\u751f\u800c\u6709\u6240\u5dee\u5f02\u3002\u4f8b\u5982\uff0c\u5256\u8179\u4ea7\u7684\u8d39\u7528\u901a\u5e38\u4f1a\u6bd4\u81ea\u7136\u5206\u5a29\u66f4\u9ad8\uff0c\u800c\u5728\u79c1\u4eba\u533b\u9662\u751f\u4ea7\u4e5f\u5fc5\u7136\u6bd4\u5728\u516c\u7acb\u533b\u9662\u751f\u4ea7\u7684\u8d39\u7528\u66f4\u4e3a\u6602\u8d35\u3002<\/p>\n

\u201c\u82e5\u7236\u6bcd\u4eb2\u5e0c\u671b\u5b9d\u5b9d\u5728\u79c1\u7acb\u533b\u9662\u51fa\u751f\uff0c\u5219\u5e94\u51c6\u5907\u81f3\u5c115000\u81f315000\u4ee4\u5409\uff08\u7ea6\u54082000\u81f36000\u65b0\u5143\uff09\u7684\u8d39\u7528\u3002\u6211\u66fe\u7ecf\u6709\u8fc7\u8fd9\u6837\u7684\u7ecf\u5386\uff0c\u6211\u7684\u4e00\u4e2a\u5ba2\u6237\u751f\u4e86\u4e00\u5bf9\u53cc\u80de\u80ce\uff0c\u5176\u603b\u533b\u9662\u8d39\u7528\u8d85\u8fc713000\u4ee4\u5409\uff08\u7ea6\u54085200\u65b0\u5143\uff09\uff01\u4ed6\u4eec\u5b8c\u5168\u6ca1\u6709\u60f3\u5230\u8d39\u7528\u4f1a\u5982\u6b64\u4e4b\u9ad8\uff0c\u56e0\u6b64\u4e0d\u5f97\u4e0d\u4f7f\u7528\u4fe1\u7528\u5361\u6765\u652f\u4ed8\u533b\u9662\u8d26\u5355\u5e76\u82b1\u4e863\u5e74\u65f6\u95f4\u624d\u8fd8\u6e05\u4fe1\u7528\u5361\u503a\u52a1\uff0c\u201d Loo\u5148\u751f\u5206\u4eab\u5230\u3002\u56e0\u6b64\uff0c\u5145\u8db3\u7684\u73b0\u91d1\u50a8\u5907\u5bf9\u4e8e\u7ec4\u5efa\u5bb6\u5ead\u7684\u51c6\u5907\u5de5\u4f5c\u800c\u8a00\u81f3\u5173\u91cd\u8981\u3002<\/p>\n

\"Financial_Planning_03\"<\/p>\n

\u7f16\u5236\u9884\u7b97<\/strong><\/p>\n

\u5982\u679c\u60a8\u8fd8\u6ca1\u6709\u7f16\u5236\u9884\u7b97\uff0c\u90a3\u60a8\u5c31\u66f4\u5e94\u8be5\u5f00\u59cb\u4f7f\u7528\u4e00\u4e2a\u826f\u597d\u7684\u6bcf\u6708\u9884\u7b97\u5236\u5ea6\u6765\u7ba1\u7406\u4f60\u4eec\u7684\u603b\u6536\u5165\u5e76\u63a7\u5236\u5bb6\u5ead\u7684\u73b0\u91d1\u6d41\u3002Loo\u5148\u751f\u5efa\u8bae\u5bb6\u5ead\u5e94\u7075\u6d3b\u5e94\u5bf9\u201c\u6536\u5165- \u50a8\u84c4 = \u652f\u51fa\u201d\u7684\u516c\u5f0f\u3002\u6362\u53e5\u8bdd\u8bf4\uff0c\u5bb6\u5ead\u6700\u597d\u80fd\u5c06\u5176\u5f00\u652f\u9650\u5236\u5728\u7559\u51fa\u4e00\u5b9a\u6bd4\u4f8b\u6536\u5165\u7528\u4e8e\u50a8\u84c4\u540e\u7684\u5269\u4f59\u91d1\u989d\u3002<\/p>\n

\u201c\u5065\u5168\u8d22\u52a1\u7ba1\u7406\u7684\u91cd\u8981\u57fa\u672c\u539f\u5219\u662f\u7ea6\u675f\u6240\u6709\u4eba\u5b9e\u73b0\u8d22\u52a1\u76ee\u6807\u3002\u53ea\u6709\u901a\u8fc7\u523b\u610f\u7ea6\u675f\uff0c\u6211\u4eec\u624d\u80fd\u7559\u4e0b\u8d22\u5bcc\u79ef\u7d2f\u6240\u5fc5\u9700\u7684\u5197\u4f59\u91d1\u94b1\uff0c\u201dLoo \u5148\u751f\u8868\u793a\u3002<\/p>\n

\"Financial_Planning_04\"<\/p>\n

\u6295\u8d44<\/strong><\/p>\n

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\u4f46\u662f\uff0c\u7531\u4e8e\u8fd9\u4e9b\u7c7b\u578b\u7684\u6295\u8d44\u4f1a\u5c3d\u53ef\u80fd\u5730\u6ce8\u91cd\u5b89\u5168\u6027\uff0c\u6240\u4ee5\u5176\u56de\u62a5\u7387\u53ef\u80fd\u5e76\u4e0d\u8db3\u4ee5\u7f13\u89e3\u67d0\u4e9b\u5916\u90e8\u56e0\u7d20\uff08\u5982\u901a\u8d27\u81a8\u80c0\uff09\u7684\u5f71\u54cd\u3002\u201c\u4f8b\u5982\uff0c\u9a6c\u6765\u897f\u4e9a\u7684\u5b9a\u671f\u5b58\u6b3e\u5229\u7387\u4e3a3%\uff0c\u800c\u901a\u80c0\u7387\u4e5f\u51e0\u4e4e\u8fbe\u52303%\uff0c\u5728\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0c\u6295\u8d44\u4e8e\u5b9a\u671f\u5b58\u6b3e\u5e76\u6ca1\u6709\u4efb\u4f55\u5b9e\u9645\u83b7\u5229\u3002\u800c\u4e0e\u6b64\u540c\u65f6\uff0c\u76ee\u524d\u503a\u5238\u7684\u5e74\u6536\u76ca\u7387\u4e3a4%\u81f35%\uff0c\u5982\u679c\u901a\u80c0\u7387\u7ee7\u7eed\u4e0a\u5347\uff0c\u90a3\u4e48\u8fd9\u79cd\u6295\u8d44\u4e5f\u4e0d\u592a\u53ef\u80fd\u4ea7\u751f\u771f\u6b63\u7684\u8d22\u52a1\u56de\u62a5\uff0c\u201dLoo\u5148\u751f\u9610\u8ff0\u5230\u3002<\/p>\n

\u4e0d\u8bba\u5982\u4f55\uff0cLoo\u5148\u751f\u5efa\u8bae\u5927\u5bb6\u5e94\u9996\u5148\u63a5\u53d7\u98ce\u9669\u6d4b\u8bd5\u6765\u8bc4\u4f30\u4e2a\u4eba\u7684\u98ce\u9669\u627f\u53d7\u80fd\u529b\uff0c\u56e0\u4e3a\u6bcf\u4e2a\u4eba\u5bf9\u4e8e\u201c\u5b89\u5168\u6295\u8d44\u201d\u7684\u770b\u6cd5\u53ca\u5176\u7ecf\u6d4e\u72b6\u51b5\u90fd\u5404\u4e0d\u76f8\u540c\u3002<\/p>\n

\"Financial_Planning_05\"<\/p>\n

\u96c7\u4e3b<\/strong><\/p>\n

\u63a5\u4e0b\u6765\uff0c\u60a8\u4e5f\u53ef\u5c06\u5c31\u4e1a\u6761\u6b3e\u7684\u5185\u5bb9\u7eb3\u5165\u7ec4\u7ec7\u5bb6\u5ead\u7684\u8003\u91cf\u4e4b\u5185\u3002\u73b0\u5728\u5927\u591a\u6570\u96c7\u4f63\u5408\u540c\u4e2d\u90fd\u4f1a\u89c4\u5b9a\u8bf8\u5982\u4ea7\u5047\u3001\u966a\u4ea7\u5047\u4ee5\u53ca\u533b\u7597\u8865\u507f\u7b49\u798f\u5229\uff0c\u4f7f\u5f97\u5927\u591a\u6570\u4eba\u90fd\u80fd\u66f4\u8f7b\u677e\u5730\u7ec4\u7ec7\u5bb6\u5ead\u3002<\/p>\n

\u201c\u6beb\u65e0\u7591\u95ee\uff0c\u96c7\u4e3b\u5728\u4e00\u4e2a\u5bb6\u5ead\u7684\u8d22\u52a1\u89c4\u5212\u4e2d\u53d1\u6325\u7740\u91cd\u8981\u4f5c\u7528\uff0c\u56e0\u4e3a\u5927\u591a\u6570\u516c\u53f8\u90fd\u63d0\u4f9b\u826f\u597d\u7684\u7efc\u5408\u798f\u5229\uff0c\u5305\u62ec\u6db5\u76d6\u96c7\u5458\u8eab\u6545\u548c\/\u6216\u533b\u7597\u9700\u6c42\u65b9\u9762\u7684\u4fdd\u9669\u4fdd\u969c\u3002\u6709\u4e86\u8fd9\u4e9b\uff0c\u82e5\u96c7\u5458\u53d1\u751f\u610f\u5916\u60c5\u51b5\uff0c\u6765\u81ea\u96c7\u4e3b\u7684\u4fdd\u969c\u6536\u76ca\u5c31\u80fd\u591f\u4e3a\u5176\u5bb6\u4eba\u63d0\u4f9b\u90e8\u5206\u7ecf\u6d4e\u63f4\u52a9\uff0c\u201dLoo \u5148\u751f\u6307\u51fa\u3002<\/p>\n

\"Financial_Planning_06\"<\/p>\n

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