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[lastpost] => 2793443 比特币失去对白银的波动溢价，但并未失去长期支撑——接下来会发生什么？（转） 1767120437 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？ 0 f- u# A# i& [: z, K: o2 `) k! ~
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考取理财规划师证书， 高薪就职有保障 4 ?+ j6 I6 |+ R. U; \9 W" t
/ t H8 Q. J" [0 M9 Y+ ~; g' p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。
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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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6 y( e3 Z, p6 ?! ?# D* D9 {( x理财规划便于实现教育期望
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% T+ E0 e" o4 W8 ?4 z4 y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。 . \5 g! y0 A9 Q* ]
! Q/ b* ^, [+ N" `* \0 H0 H, {3 M8 K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。 2 d2 x0 q- @, H. F' y- o
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必要的资产流动性 & N* S2 N& }0 @ N P b$ N0 T
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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。
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风险保障让你面对突发事件处变不惊
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: A. D0 H$ R+ ?& }6 k: c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。 # N1 e2 s3 C+ `
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6 B; N, L- O5 @8 H. G" l保持收支结构大体平衡
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$ h/ u1 U0 H! c+ k1 W* X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。 2 V' E b" G* t
8 |0 Y7 f- Z; {7 ^# ^2 z; i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。 6 A8 {& U& [9 `
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合理的纳税安排，让你过上优质生活 ' I' P& b2 Z9 C) s, N" p5 U
8 l# R5 X% I8 o/ |5 V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。 ! u, V8 X4 B! [# W. I9 Y
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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。 : e: \& [+ B6 r5 E, B+ R* A
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3 f4 s" |8 X! ?% v8 j. M0 u% N! \" W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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5 F4 u4 s' Z* x1 R8 D- ~7 Q来源：金色财经 |
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