×
Array
(
[fid] => 6866
[description] =>
[password] =>
[icon] => c6/common_6866_icon.png
[redirect] =>
[attachextensions] =>
[creditspolicy] => Array
(
[post] => Array
(
[usecustom] => 1
[cycletype] => 1
[cycletime] => 0
[rewardnum] => 20
[extcredits1] => -30000000000
[extcredits2] => -10000
[extcredits3] => -1000000
[extcredits4] => -10000
[extcredits6] => 0
[extcredits5] => -10000
[extcredits7] => 0
[extcredits8] => 0
[rid] => 1
[fid] => 6866
[rulename] => 发表主题
[action] => post
[fids] => 32,52,67,447,1120,1151,1156,6750,6762,6763,6766,6769,6772,6773,6787,6796,6808,6809,6810,6813,6814,6820,6829,6830,6846,6856,6864,6865,6827,6930,6931,6776,6858,6880,6764,6932,6871,6758,6905,1116,6788,6812,6798,6736,6759,6842,6966,6767,6828,6924,6935,6936,6938,6940,6941,6826,6909,6803,6919,6911,6908,6881,6920,6912,6913,6921,6925,6922,6789,6818,6819,6872,6928,6969,6889,6888,6917,6939,6947,6961,6937,6943,6970,6869,6900,6902,6783,6817,1111,6870,6821,6951,6876,6952,6954,6960,6942,6910,6949,6962,6963,6964,6927,6926,6973,6728,6929,6874,6894,6896,6885,6857,6868,1113,6778,56,6844,6878,6802,6933,6811,6923,6877,6875,6918,6892,6757,6832,6833,6795,6793,6848,6837,6849,6850,6851,6852,6853,6854,6863,6882,6836,6790,6838,6794,6791,6765,6873,555,6895,6934,6958,6944,6945,6907,6779,6886,6950,6904,6956,6862,6957,6855,6955,6959,6914,6965,6971,6972,6953,6977,6975,6903,6976,6799,6974,6824,1121,6815,6948,6879,6845,6891,6979,6866
)
[reply] => Array
(
[usecustom] => 1
[cycletype] => 1
[cycletime] => 0
[rewardnum] => 120
[extcredits1] => -100000000000000000
[extcredits2] => -100000
[extcredits3] => -100000
[extcredits4] => -10000
[extcredits6] => 0
[extcredits5] => -100000
[extcredits7] => 0
[extcredits8] => 0
[rid] => 2
[fid] => 6866
[rulename] => 发表回复
[action] => reply
[fids] => 32,52,67,447,1120,1151,1156,6750,6763,6766,6769,6772,6773,6787,6796,6808,6809,6810,6813,6814,6820,6829,6830,6846,6856,6864,6865,6827,6930,6931,6776,6858,6880,6764,6932,6871,6758,1116,6788,6812,6798,6736,6759,6842,6966,6767,6828,6924,6935,6936,6938,6940,6941,6826,6909,6803,6919,6911,6908,6881,6920,6912,6913,6921,6925,6922,6789,6818,6819,6872,6928,6969,6889,6888,6917,6939,6947,6961,6937,6943,6970,6869,6900,6902,6783,6817,1111,6870,6821,6951,6876,6952,6954,6960,6942,6910,6949,6962,6963,6964,6927,6926,6973,6728,6929,6874,6894,6896,6885,6857,6868,1113,6778,56,6844,6878,6802,6933,6811,6923,6877,6875,6918,6892,6757,6832,6833,6795,6793,6848,6837,6849,6850,6851,6852,6853,6854,6863,6836,6790,6838,6794,6791,6765,6873,555,6895,6934,6958,6944,6945,6907,6779,6886,6950,6904,6956,6862,6957,6855,6955,6959,6914,6965,6971,6972,6953,6977,6975,6903,6976,6799,6974,6824,1121,6815,6948,6879,6845,6891,6979,6866
)
)
[formulaperm] => a:5:{i:0;s:0:"";i:1;s:0:"";s:7:"message";s:0:"";s:5:"medal";N;s:5:"users";s:0:"";}
[moderators] =>
[rules] =>
[threadtypes] => Array
(
[required] =>
[listable] =>
[prefix] =>
[types] => Array
(
[12] => 网球
[13] => 棒球
[14] => 高尔夫球
[15] => 拳击
[16] => F1赛事
[1562] => 2020双旦嘉年华
)
[icons] => Array
(
[12] =>
[13] =>
[14] =>
[15] =>
[16] =>
[1562] =>
)
[moderators] => Array
(
[12] =>
[13] =>
[14] =>
[15] =>
[16] =>
[1562] =>
)
)
[threadsorts] => Array
(
)
[viewperm] =>
[postperm] =>
[replyperm] =>
[getattachperm] =>
[postattachperm] =>
[postimageperm] =>
[spviewperm] =>
[seotitle] =>
[keywords] =>
[seodescription] =>
[supe_pushsetting] =>
[modrecommend] => Array
(
[open] => 0
[num] => 10
[imagenum] => 0
[imagewidth] => 300
[imageheight] => 250
[maxlength] => 0
[cachelife] => 0
[dateline] => 0
)
[threadplugin] => Array
(
)
[replybg] =>
[extra] => a:2:{s:9:"namecolor";s:0:"";s:9:"iconwidth";s:2:"60";}
[jointype] => 0
[gviewperm] => 0
[membernum] => 0
[dateline] => 0
[lastupdate] => 0
[activity] => 0
[founderuid] => 0
[foundername] =>
[banner] =>
[groupnum] => 0
[commentitem] =>
[relatedgroup] =>
[picstyle] => 0
[widthauto] => 0
[noantitheft] => 0
[noforumhidewater] => 0
[noforumrecommend] => 0
[livetid] => 0
[price] => 0
[fup] => 6770
[type] => forum
[name] => 怀旧版块
[status] => 0
[displayorder] => 0
[styleid] => 0
[threads] => 82288
[posts] => 536551
[todayposts] => 0
[yesterdayposts] => 0
[rank] => 149
[oldrank] => 149
[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
[domain] =>
[allowsmilies] => 0
[allowhtml] => 0
[allowbbcode] => 0
[allowimgcode] => 0
[allowmediacode] => 0
[allowanonymous] => 0
[allowpostspecial] => 0
[allowspecialonly] => 0
[allowappend] => 0
[alloweditrules] => 0
[allowfeed] => 0
[allowside] => 0
[recyclebin] => 0
[modnewposts] => 2
[jammer] => 1
[disablewatermark] => 0
[inheritedmod] => 0
[autoclose] => 0
[forumcolumns] => 0
[catforumcolumns] => 0
[threadcaches] => 0
[alloweditpost] => 0
[simple] => 81
[modworks] => 0
[allowglobalstick] => 0
[level] => 0
[commoncredits] => 0
[archive] => 0
[recommend] => 0
[favtimes] => 2
[sharetimes] => 0
[disablethumb] => 0
[disablecollect] => 0
[ismoderator] => 0
[threadtableid] => 0
[allowreply] =>
[allowpost] =>
[allowpostattach] =>
)
当前离线
经验:
天策币:
活跃币:
策小分:
总在线: 2092 小时
本月在线: 0 分钟
|
|
彩票中了500万,是许多彩民梦寐以求的事情。但中得巨奖,面对突如其来的巨额财富,若不善加打理,可能会让人更烦恼。汪先生(化名)便陷入这样的烦恼中。" x2 v7 l# F, S4 ^
0 e7 y3 F' @2 H! ` 彩民汪先生来电,他曾于1年前中得500万元巨奖,结果短短一年时间,奖金已经花掉了260万元,"我和妻子现在都没有上班,孩子还在读小学,我担心这些钱花不了多久。"他希望理财管家帮他出点主意。昨日,中信银行武昌分行理财经理梁永波为汪先生做了理财诊断。
: F; o6 P% j5 ~% H) _; V
# I4 F+ o" ]0 u' e* i 理财案例
% S- G- u' @+ ^( I' I" j/ n
* {$ u$ ?& e8 _% O" K 中奖后一年花掉260万1 l2 e1 l% X+ f
9 ?4 l' `+ @' R; c! R8 @& G 彩民汪先生和妻子中奖前均在家务农,儿子上小学,家庭年收入不超过1万元。, E% O. t8 Q, y: b) R: i
) S/ |, l. k6 E3 q
一年前他以10元博得500万巨奖,扣除个人所得税后,获得现金400万元。中奖后,汪先生和妻子决定离开老家,全家迁居城市,买了一套价值40万元的房子,装修花费40万元,买了一台15万元左右的小轿车,累计分给亲戚朋友100万,借出了20万,一年来给儿子转学、请客吃饭、购物、旅游等各种消费花掉了45万元,"许多钱也不知花到哪里去了,觉得自己好像有很多钱,所以花钱也不像过去那样计较了。"8 e1 M& T: `, E; n) w9 `( T
0 Y2 \- C5 Y8 [7 `" H 现在他还剩140万元,为防止稀里糊涂把钱花光,其中100万存了一年期的定期存款,40万则放在活期账户中。
- R6 p% I* I/ D! \
6 o q% h- r( s* I e! Y, [; a( | 据介绍,汪先生和妻子目前均没有工作,"儿子要读书,我的父母也已经年迈,需要赡养。"他担心这样下去,这些钱花不了多久。+ i! K" f u$ M2 Z/ D
4 C' S. |! P9 B/ Y O
理财分析. E! d+ C, p$ o
. R _4 g7 ?, l; g9 X7 O- r* f2 ~
理财之前先理心态# Q( L- {3 A# W) ~- w
k$ J! M3 R0 N1 F. ]
"汪先生的经历可谓大喜大悲。"梁永波表示,"财富的积累需要一个过程,暴富得来的钱财,往往不会珍惜,等挥霍得差不多时,才开始心慌。"他认为,汪先生理财的前提是调整心态,以一颗理智而平常的心来面对财富。
# |$ v+ C* [: d; r
, W& w7 J7 }& F8 ?! q& q 分析汪先生目前的财务状况:夫妻均无工作收入,目前他们存在银行的140万元,年利息总收益有4万余元。而汪先生家庭负担其实并不轻,上有老人需要赡养,下有子女还有一段较长的教育期。
) a1 Y' P: ~% i" }; T" D
9 k4 c9 ^ ?3 F6 m8 k 汪先生购买了一台价值15万元的轿车,一般来讲,每年养车费用需要3-4万元。( d4 i* Y8 n, ? A& G
& b% Z3 T' ~" `6 U
"如何让现有的140万元发挥效用,在维持日常生活的基础上,还能提高和改善生活水平,是理财的重点。"梁永波说。- [! ~2 O3 x6 E% Y( _0 Q
6 m$ ^; Q- l# w2 a" N1 }; l- j3 A 理财锦囊
) K' J6 k" u) u/ X1 P" m; K7 _+ @5 v" \" A- V. U
金融资产+创业投资( @; Y$ z) I: S9 i" e
+ X9 o7 Q. e. ^$ ^# Q' O
汪先生家庭没有稳定的收入来源,梁永波建议:"他的投资取向应当以稳健型为主。"' j; t& d5 \+ C& v9 m2 P
! P4 O5 `% ?4 |
盘活存量和开发增量对汪先生同样重要。梁永波认为,汪先生应该用金融资产和创业投资"两条腿走路",100万用来购买金融理财产品,40万进行创业投资,做点小生意,"这样也更利于他保持心理健康"。
/ M, R2 K5 j5 R0 v" M; v; _; E. \9 ]7 ^+ R" u" U
金融资产方面,100万可以按照5:3:1:1的比例搭配,50%购买偏股型基金、30%投资股票型基金、10%购买债券型基金和固定收益的理财产品,另外10%,可以适当给全家人买2-3万元保险,其余的作为流动资金,购买货币基金或者短期理财产品。这样配置下来,梁永波预计,"每年创造的收益应在8%至15%之间,可以较好地满足汪先生全家的日常生活需要。"; `( M' F/ d" p S) P
" ]# ?* d3 _# K' j$ G* k 40万元进行创业型投资,"他可以结合自身特长,跑运输、做水果或蔬菜批发生意或者租个门面做点小生意。"梁永波说,"这样,不但可以为家庭带来收入,同时也能让汪先生进入正常生活的轨道。" |
|
|
|
|
|
|
当前离线
经验:
天策币:
活跃币:
策小分:
总在线: 3742 小时
本月在线: 0 分钟
|
|
|
|
|
|
|
|