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    Title: 財富管理個案分析 : 個人生涯規劃之KISS軟體應用
    Other Titles: Wealth management case study : application of the KISS software
    Authors: 詹雅馨;Chan, Ya-Hsin
    Contributors: 淡江大學財務金融學系碩士班
    李沃牆;李喬銘;Lee, Wo-Chiang;Lee, Joe-Ming
    Keywords: 財富管理;個案分析;KISS;資產;財務;人生規劃;wealth management;Case Study;Assets;Life Planning
    Date: 2016
    Issue Date: 2017-08-24 23:33:18 (UTC+8)
    Abstract: 本研究透過個案訪談方式,瞭解個案主人的家庭現況,現有的投保現況,現有資產,如:個人存款、房屋現值,現有的投資理財商品,如:基金、股票等。本研究先依個案人生規劃優先順序,列出個案主人的財務目標,並設定基本假設數據,接著透過 KISS 財富管理軟體進行模擬現有狀況的模擬。

    從模擬支出圖可知,個案主人目前的財務行為與資產配置無法達成其理想中的生活與期望,因而必須針對研究個案現況建議案主進行調整,可以從三個方面進行,第一,可以改變投資工具,增加投資報酬率;第二,增加基礎保險保障,以滿足因意外或疾病而產生的可能花費;第三,則是調整目標的完成的時限或對目標要求的調整。

    首先從個案主人自身所能掌控的因素加以調整,例如延後退休年齡、降低退休後生活費用、延後換車時點與延長換車年限等,其次針對無法完全控制但有某種程度決定權的因素,例如找尋符合理想薪資的工作與生活環境,最後再考慮無法掌控的金融工具投資報酬率來擬訂財務計畫,本案提供三個調整方案予以個案主人提供參考。
    This case study through interviews to understand the family status of the case of the owner, the existing status of the insured, the existing assets, such as: personal savings, the present value of houses, and the existing finance and investment goods, such as: funds, stocks and so on. In this study, according to the case in life to plan priorities listed in case the owner''s financial objectives, assumptions and basic data set, followed by the current status of the simulation by KISS wealth management software.

    From analog expenditures figure shows that the case the current financial behavior and asset allocation unable to reach their ideal life and expectations. Therefore, adjusted for the status of the primary case study recommendations can be made from three ways. First, you can change the investment tools, increase ROI; second, to increase basic insurance coverage to meet the possible cost due to accident or illness arising; third, to adjust the target finished time or adjusting the target.

    From case owner can control factor to adjust. For example, delayed retirement age, reducing the cost of living after retirement, deferred transfer time or extend the transfer time for every change a new car, etc. And secondly for not fully control, but there is a certain degree of discretion factors, such as looking for the ideal salary work and living environment. Finally,  to consider the rate of return on investments in financial instruments which is out of control. In this case offers three adjustment programs to be masters of the case to provide a reference.
    Appears in Collections:[財務金融學系暨研究所] 學位論文

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