財富管理規劃個案之研究－某公營行庫員工為例

A Study of Wealth Management Planning: A Case of Public Bank Employee

本研究採個案討論方式，訪談的案主為公營行庫之員工，因應政府年金改革，導致退休後收入減少，加上臺灣進入高齡化社會，凸顯長照醫療保障不足問題，為享有理想的退休生活，提供其家庭成員基本資料與財務現況，如資產、負債以及收入、支出之財務資訊，藉以了解其家庭現金流量，並訪談案主得知其設定之財務目標優先次序，運用「KEYs關鍵理財網」提供之理財管理軟體，運用貨幣時間價值的工具，如現值、終值、年金現值與年金終值，進行財務現況模擬，搭配案主期望的財務目標順序，以軟體所提供的半智能化圖示找出案主家庭何時出現資金缺口，進而調整其財務目標，目的在找出案主最適調整方案。 透過個案提供現況資料，經過七次調整A、B、C、D、E、F、G改善方案，逐項調整案主的財務目標需求，透過系統產生出不同的圖表，如支出來源圖、年度收支結餘圖及壽險需求圖，將現況與調整方案作相互比較，讓案主清楚每項財務目標的調整，對現金流量的變化及資產配置情形。依照案主所設定的各項財務目標優先順序，利用計劃儲蓄方式，搭配案主的風險屬性與風險承受度，選擇適當投資理財工具，運用貨幣時間價值概念下的複利效果，提供建議改善方案。最後，經選定調整改善方案G為最適方案：延後退休年齡至65歲，以增加現金流量、降低換車預算為100萬，以減少支出、降低國外旅遊頻率及新增全家風險保障需求，並透過專款專用之計劃儲蓄，增加資產報酬率等，達成案主家庭存富、保富、創富及傳富的財務計劃，促使案主完成家庭財務自由、時間自由與全方面自由的終極目標，達到個人家庭與國家經濟社會雙贏的目標。

This research adopts the method of case interview. The case is a public bank employee before retirement. Due to the pension reform, the income after retirement has decreased. In addition, the aging society will increase the problem of long-term care medical protection and enjoy an ideal retirement life. The case provide her family status, basic member information, financial status such as assets, liabilities, income, and expenditure financial information to understand their cash flow and set financial goals, using the semi-intelligent information chart provided by the ''KEYs Key Financial Network'' financial management software It shows that using tools of the time value of money, such as present value, final value, present value of annuities, and final value of annuities, simulate the current financial situation, match the expected financial goals of the case, find when there is a funding gap, and then adjust its financial goals. This research provides current situation information through individual cases, and adjusts the financial goals one by one after A, B, C, D, E, F, and G programs, and produces different charts, including expenditure source charts and annual revenue and expenditure balance charts for mutual comparison. Make the case clear about the adjustment of each financial goal and the change in cash flow. In accordance with the priority of the financial goals set by the case, use planned savings, match the risk attributes and risk levels of the case, choose investment financial tools, use the time value of money compound interest effect, provide suggested solutions, and postpone the retirement age to 65 years old after adjustment and improvement plan G , The budget for car replacement is 1 million, the frequency of foreign travel, the age of domestic and foreign travel, and the increased demand for family protection, and through the use of special fund plan savings, increase the return on assets, etc., assist the case in finding the best financial adjustment plan to achieve The financial plan for saving wealth, maintaining wealth, creating wealth, and transferring wealth promotes the case to complete the ultimate goal of family financial freedom, time freedom and full freedom, and promotes the goal of a win-win situation for the family and the country's economy and society.