Financial Planner Part 1 doesn t have an exact answer?

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There are several factors that financial planners need to consider when doing cash planning: income and expenses, emergency funds, short-term goals, long-term goals, debt management, inflation, and interest rates.

1. Income and expenditure

Financial planners need to know how much an individual or household is earning** and spending. This includes regular income (e.g., salary, rent, etc.) and non-molded income (e.g., bonuses, investment income, etc.), as well as essential expenses (e.g., mortgage, daily expenses, etc.) and non-essential expenses (e.g., travel, entertainment, etc.). By analyzing the situation of income and expenditure, it is possible to determine the amount of money available for cash planning.

2. Emergency reserve fund

Financial planners need to consider the need to build an emergency reserve. An emergency reserve is a certain amount of cash reserves that are used to deal with unexpected events or emergencies, such as job loss, critical illness, or household emergency expenses. It is generally recommended to have 3 to 6 months of living expenses as an emergency reserve.

3. Short-term goals

Financial planners need to understand whether their clients have short-term goals, such as buying a house, buying a car, going on a trip, etc. These goals usually require a certain amount of cash reserves or fixed deposits to achieve. Financial planners need to determine the time frame for their goals and the amount of money they need, and develop a plan for their cash reserves.

4. Long-term goals

Financial planners also need to consider their clients' long-term goals, such as retirement planning, children's education**, portfolio growth, etc. These goals require long-term accumulation and investment, so cash planning needs to consider how to balance the allocation of funds between short-term needs and long-term goals.

5. Debt management

Financial planners need to assess their clients' debt situation and consider how they can manage and repay their debts. Debt payments can have an impact on available cash, so a reasonable debt repayment plan needs to be planned in cash planning.

6. Inflation and interest rates

Financial planners need to consider the impact of inflation and interest rates on the value of cash. Inflation will erode the purchasing power of cash, while the level of interest rates will affect the rate of return on savings and investments. Therefore, inflation and interest rates need to be considered in cash planning to ensure that cash can maintain its value and achieve appropriate growth.

In summary, financial planners need to consider factors such as income, expenses, emergency reserves, short-term goals, long-term goals, debt management, as well as inflation and interest rates when planning cash to help clients manage their cash flow reasonably and achieve their financial goals.

Hello, if I'm not mistaken, there are four options:

a．222282

b．147741

c．221262

d．147250

The answer is to choose C. Hope it helps.

Basic knowledge of objective questions (125 questions), moral foundation 25 (15 questions must be done in total), single choice 60, 30 selection, judgment 10

Professional ability (100 questions) is 40 out of 60

Written examinations are held in May and November.

It depends on what the deposit interest is for these three years, and it also depends on what the deposit period is, whether it is one year or two or three years.

The general calculation method is: interest = principal * interest rate (decimal point), then 360, and the result is multiplied by the actual number of days held.

For example, if you deposit 10,000 yuan for 3 months, assuming that the interest rate is, then the interest rate will be 10,000 * yuan after 3 months.

If it is one year, assuming that the interest rate for one year is 3%, then the interest for one year is 10,000 * yuan.

That's basically how it is calculated, you look at the interest rate in 06, add up the examples for each year, and you can basically get your results.

Invested trading capital = 2000 100 10% = 20,000 yuan, profit after closing the position = (2,000-1,600) 100 = 40,000 yuan.

After the questioner has selected a satisfactory answer.