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现代家庭越来越注重理财,尝试了许多家庭理财方法。掌握家庭理财的方法,可以让家庭更得心应手地理财,规避风险,提高家庭资产的效用,从而让家庭生活更为舒适。本文从家庭的角度对一些简单而又适用的家庭理财方法进行了理论分析和研究,并对不同类型的家庭理财提出了建议和对策。通过文字论证、图表论证、举例论证等方法,探讨了报表分析法、现金预算法、投资组合法几种家庭理财的方法,并讨论了不同类型家庭(中年家庭、青年家庭和老年家庭)根据自身实际情况所应该选择的理财方法。报表分析法适合于中年或青年家庭,现金预算法适合于老年家庭,投资组合法适合于中年、青年、老年家庭。最后得出的结论是:运用家庭理财方法可以提高家庭资产的效用,使家庭生活更为舒适;不同类型家庭可以根据自身实际情况选择合适的理财方法。
Modern families are increasingly focusing on wealth management and have tried many ways of family wealth management. To master the family financial management methods can make families more handy money management, to avoid risks and improve the effectiveness of household assets, so that family life more comfortable. This article from the perspective of the family of some simple and applicable methods of family management conducted a theoretical analysis and research, and proposed different types of family finance and countermeasures. The methods of report analysis, cash budgeting and portfolio method are discussed through the methods of textual argumentation, chart argumentation and example argumentation, and the methods of family financial management of different types of families (middle-aged, young and old) are discussed Own actual situation should choose the method of financial management. Report analysis is suitable for middle-aged or young families, the cash budget method is suitable for the elderly, and the investment portfolio is suitable for middle-aged, young and old-aged families. Finally, the conclusion is: the use of family financial management methods can improve the effectiveness of household assets, family life more comfortable; different types of families according to their own actual situation can choose the appropriate financial methods.