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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？ + u- L3 |6 i/ y! u3 L! c
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考取理财规划师证书， 高薪就职有保障 8 x: V; a) t, g" I& N
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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。 ; }3 C) F( \: F- j# f
# a4 [& w. T- x. P" i5 l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。 : S. Z0 r- }* s- Z- O9 _% Z4 l
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8 Q5 H0 n) J" I. ~+ k) V+ b; j" _1 p理财规划便于实现教育期望
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. c: Y* N6 ^' F0 w9 o& t! ~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。
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( l: A J/ y; D' C, C0 {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。 + f9 d# z) L* T
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. A: {$ b9 l! P# \0 ~ z% u4 ?3 n7 {必要的资产流动性 6 w# L3 d4 Z; a1 t2 a* r) z$ H
1 t' Q1 R: n: g$ F- T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。 , H% ^, U! B( T
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1 _8 x: P( m: N; N6 q. \2 Q风险保障让你面对突发事件处变不惊
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E& n( ~" N; G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。 2 z" O" i6 v' n; J0 {" r
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保持收支结构大体平衡
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& B9 p; D+ Z* e, E! w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。
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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
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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。 " M- I. r0 }9 @8 U& W' x' ?
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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。 + g S/ I5 P( n+ I; _0 h" @7 ?9 ^& d
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% E9 T9 g2 c; j% @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。 9 e7 b- W+ F8 b
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来源：金色财经 |
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