香港三联书店 1997   上海人民出版社 2004

 本书是《如何投资》的姐妹篇。本书探讨了家庭理财的整体规划，不是将投资作为一个孤立的课题加以研究，而是将它置于家庭理财规划的框架下加以审视。

    本书蒙美国全国注册财务策划师协会(NAPFA)、美国注册会计师协会 (AICPA)、美国银行家协会(ABA)、美国房地产抵押银行协会(MBA)、美国保险业信息协会(III)和美国国际特许经营业协会(IFA)协助。  

   本书为中国注册理财规划师协会(The China Institute of Certified Financial Planners) 培训教材。

目录

第一章 理财规划的基础

确立经济目标
理财规划和生涯规划
及早储投
理财规划须知

第二章 日常开支的理财规划和个人信用的建立

日常开支的预算
借钱
备用金
信用卡的功能
个人信用的建立
信用卡的保护
信用卡与欠债
失业
破产

第三章 保险规划

保险的缘起
人寿保险
医疗保险
丧失工作能力的保险
房屋保险
汽车保险
伞遮保险
商企业保险
家庭企业保险
保险经纪人
保险公司评级
国内的保险险种和家庭理财

第四章 购买住宅的理财规划

独立式房屋
共有公寓（多层式住宅）
房屋抵押贷款
偿债能力鉴定
房贷额的限定
房贷期限
利率
折扣点
重贷款
房地产经纪人
购房、纳税与投资
二次房屋抵押贷款
美国的房贷业
国内住宅市场和家庭理财

第五章 婚姻的理财规划

结婚
婚前协议
离婚
再婚

第六章 子女教育的理财规划

学位与收入
公立大学和私立大学
学费来源
教育经费的估测
教育储投的时间
教育储投的途径
无息票债券
大学储蓄银行
预付学费
教育储投与退休金储投
家庭教育
留学美国须知
国内的教育投资

第七章 投资与理财规划

投资的先决条件
备用金的储投
阶梯式投资
共同基金
短期货币市场基金
债券的种类
债券评级
债券共同基金
投资债券与债券基金的区别
股票的种类
股票共同基金的种类
合伙基金
房地产投资信托
投资绩效测量
风险承受度
风险承受度测验
投资调配
平均成本投资法
定期平衡
投资要点总结
国内基金业和家庭理财

第八章 退休养老的理财规划

完美的退休生活
人寿预测
退休后的收入来源
退休所需估测
增加退休收入
退休金的管理
雇员入股计划
年金计划
反向房屋抵押贷款
老年医疗保险

第九章 税务规划

税制与税收
追加税率
预扣代缴制
合法节税
节税途径
税务稽查
第十章 遗产规划
遗嘱
遗产分配
遗产法
遗嘱认证
遗嘱执行人
子女监护人
法律委托书
信托
信托受托人
节省遗产税
安乐死

第十一章 自办企业

追求梦想
自办企业的成功条件
特许经营业
收购现成企业
家办企业
政府支持
退休企业管理人员服务团
自办企业的财务策划

第十二章 全盘理财规划

实现经济目标
全盘理财规划和局部理财规划
健全财务计划的尺度
定期审查
如何选择财务策划师
财务策划师的种类
财务策划客户的权利
理财规划与人生规划

How to Manage Your Money - The Complete Guide to Family Financial Planning

Foreword                            Dr. Henry Kaufman*

Chapter 1 Basis for Financial Planning     Establish economic objectives; measuring your financial health: your assets and liabilities; career management and financial planning; how to lower your debt; the importance of starting saving early.

Chapter 2 Cash Management and Credit Card     Strategies to reduce spending; setting up a budget; reserve fund; personal credit rating; uses and abuses of credit cards; bankruptcy; effects of monetary policy and inflation; inflation and financial planning.

Chapter 3 Insurance     Origin of insurance, life insurance; insurance as investment; health insurance; disability insurance, property and liability insurance; automobile insurance and umbrella insurance; business insurance; insurance brokers; insurance company rating.

Chapter 4 Buying a House     How to choose a mortgage loan; fixed interest rate; adjustable rate; mortgage refinancing; real estate investment; real estate brokers; mortgage banking in the U.S.; primary and secondary markets.

Chapter 5 Financial Planning for Marriage     Marriage and premarital agreement; divorce and divorce settlement; remarriage and its financial implications; Nobel prize winner and his divorce settlement.

Chapter 6 College Education Planning     Income and education; public and private college education in the U.S.; strategies to finance educational expenses; College Savings Bank; family education.

Chapter 7 Investment and Financial Planning     Bond market investment and types of bond; bond rating; stock market investment and types of stock; mutual funds; hedge funds; real estate investment trusts; performance measurement; risk tolerance; asset allocation; functions of Security and Exchange Commission and Securities Investor Protection Corporation; rights of investors in the U.S.

Chapter 8 Investing for Retirement     Sources of retirement income in the U.S.; social security system; pension; personal savings; annuities; reverse mortgage; health care cost for the retired; management of pension fund in the U.S.

Chapter 9 Tax Planning     Tax system in the U.S.; marginal income tax rate; strategies of tax-saving: retirement plan contribution, tax-exempt investment; strategies to increase deductions; tax audit.

Chapter 10 Estate Planning     The importance of having a will; power of attorney; probate process in the U.S.; living trusts and testamentary trusts; strategies to save estate tax; charitable contribution; living will and euthanasia.

Chapter 11 Starting Your Own Business     Key success factors in starting a business; various ways of starting a business from sole proprietorship, franchising, home business to buying existing business; business plan; ways of raising capital; different forms of financing; role of Small Business Administration.

Chapter 12 Comprehensive Financial Planning     Comprehensive financial planning and partial financial planning; regular review; how to choose a financial advisor; financial planning and financial independence.

Epilogue

Dr. Henry Kaufman    President, Henry Kaufman & Company, well-known economist and former Vice Chairman of Salomon Brothers.