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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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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。0 ]0 p: Z4 s/ o x; r% Y
* O5 ]) l* W, a& k& M6 C8 B 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。+ i8 p; b8 ^* Q( E+ Z8 q1 X V
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理财案例
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; g& _0 k* e# ]( a, G 中奖后一年花掉260万) G# M2 ^/ R6 m7 x
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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。8 H5 A7 H7 W& z* T' D. ~
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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。"( U# A' j1 |3 M# Q; t
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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。
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" X- D" O. n/ ? 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。! }$ \' K7 Z2 H8 a* }
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理财分析* I8 C K/ e/ Z% Y6 X: B" W1 T1 S
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理财之前先理心态0 X2 G) X: x6 |' Q% Q$ b' V
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"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。8 k0 b2 @$ U2 j+ Q
" n# o( j* V6 J, j 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。! D! S, t) O; g! ?1 e ` H1 _! z7 D
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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。
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3 y$ |& u% j! v "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。
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( t+ k7 B* |2 |2 w9 e 理财锦囊! r7 @* C! c% E% I
0 E) M2 \3 ]6 K. Z9 u% R! g' b 金融资产+创业投资, A8 a4 a. t: g' R
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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。"
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9 o! G, `& |9 |$ }. _ 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"。
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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。"
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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。" |
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