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[lastpost] => 2793435 如果 XRP 与比特币图表上确认这一极其罕见的十字，XRP 价格可能达到 24 美元。（转） 1767114091 人生如赌
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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？ . `1 _( m" u# Q/ G7 g9 V
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考取理财规划师证书， 高薪就职有保障 ) [# M! V* `- x# \
: n. E- |& L5 W* f$ l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。 6 D! _: b0 X. W( y% ?8 `
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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。
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理财规划便于实现教育期望
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4 U5 l% e$ l7 ]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。
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/ S& y2 j2 n+ A2 P- n. u: S! w1 U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。
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; A; b" ]4 ^" \0 X- I$ I! T必要的资产流动性 9 U- _6 R, C$ c+ m7 C4 q- |
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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。 " L! Y; |* s0 q8 }; c5 N5 }
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. u( g1 i" ~$ Y; E) ?5 P风险保障让你面对突发事件处变不惊 5 _- b. T6 U- e1 D. F' _ B5 q! w/ q
# H& M$ X3 R* f) G: P' W/ R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。 / F& S) y( i! V m- P" o
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保持收支结构大体平衡
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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。 " U, x v9 f# w2 `6 e( l. t
% h7 R5 L {2 K8 O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。
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合理的纳税安排，让你过上优质生活
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4 {: c) i) R% M, F, N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。
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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。 , d0 S: B1 h; h4 t& c+ m
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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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! H: H* q" u3 A5 K来源：金色财经 |
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