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[lastpost] => 2344055 【天策2020双旦嘉年华】，万元大金矿，联合【众鑫娱乐】寻找挖金手（开奖帖） 1610638563 女人爱足球
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近日，一河南彩民独中双色球3.59亿元巨奖的消息，给全国彩市带来重磅炸弹式的轰动。对此，深圳市福彩中心市场部部长杨朝钧表示，“中大奖是必然的，但什么时间、什么人中则是偶然的小概率事件，我们要提醒市民，彩票不是投资。”杨朝钧说，购彩不同于普通理财，股票、债券、房地产等理财方式，后面几项理财方式虽然可能损益，但资产不大可能归于零，而彩票不中的情况下，只能成为废纸，所以，家庭或个人购买彩票要以小额、娱乐为主，投入一般不要超过月收入的5％，切忌赌徒心理。9 w7 \9 P7 z- N, @
有理财师表示，天降横财后，最容易出现的是盲目投资于自己并不擅长和了解的生意，所以中奖后更需要谨慎理财。理财师建议这笔巨款可分为三部分理财，这样的“三分制”对其他巨奖彩民也同样具有参考意义。( x* i$ p! Q& F& W& J# q
天策论坛[url=http://www.tcelue.com/www.tcelue.com]www.tcelue.com[/url]
- ~9 q6 k$ t% o f3 y g, t 第一部分作为当前消费之用：一般人突然获得一笔财富，在兴奋之余最希望做的就是去实现自己以前曾有的许多梦想，比如说买一间大房子、豪华轿车等许多梦寐以求的奢侈消费品。另外，还有一些向亲友的赠送、向社会的捐款等，该笔支出不可避免。所以当前支出预算约占总额20％左右，因人而异。
" O7 L6 ^2 o5 e8 m: t6 x4 t 第二部分为自己和家人做长期生活保障计划：无计划无止境的消费支出不能放任下去，否则坐吃山空。可以用趸缴的方式为自己及家人买巨额保险，保证一家人一生生活无忧。这样即使中奖人把剩余的资产都花光了，未来的生活也可得到保障。这笔预算大约安排在15％以上。. k5 f" {$ n' F9 I7 z8 M3 G; b
第三部分为后半生的生活进行投资创业：现在我们的中奖者手上还有65％左右的资金，如果他是一位事业型的人，可以根据个人喜好或从业经验等选取相关行业或项目进行投资，发展自身事业；如果不是，他就需要好好地规划一下了。除了将部分放在银行作为备用金外，建议他配置较多的固定资产；另外可购买一些开放式基金、银行理财产品、股票、黄金等。 |
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