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[lastpost] => 2798095 每天有 2 亿枚代币流入市场：零知识证明的大门正以比任何人预想的速度关闭（转） 1769186717 右耳
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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？ 7 B$ H9 Q, O+ s7 v, v1 f
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- h5 @, y3 ~ C0 q& c% z考取理财规划师证书， 高薪就职有保障
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) H5 b- z+ ]; u: Q7 q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。 $ w+ M6 U6 l: @6 R, W) S
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0 p( `; W! S$ r, c6 h4 m( N理财规划便于实现教育期望 ( a% G" e# @) Z$ H# j6 N
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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。 ) w! q( g) n2 N. V$ a& L& ~
( q+ ]2 X- E* M7 q' k0 ^) E# M7 t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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- n8 \8 R4 N1 P$ U必要的资产流动性
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3 k1 f; k" j6 A* B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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# v) A- e1 `: T& k' M7 f# \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。
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" `; U6 C, j( [2 K5 t9 d+ Z保持收支结构大体平衡 , K4 l9 n) Z. B1 Y
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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。 + ~8 O2 y# e, Y0 v6 i# d
, v. X+ f8 `7 @+ r5 E. K' s1 g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 # i/ q( m/ c4 H0 h$ K! y
) ^4 E# N" E* G$ j3 F. \/ k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。 ( \- Z* z- {$ h' f3 L3 ~; F$ W
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& Y* w* [: c, n- |! R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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! D, ~( J v' H! t来源：金色财经 |
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