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新经济时代精智人群财富新规划

新经济时代精智人群财富新规划

2 14      2 5  3   3 01 02 03 04 05 06 𝐞� 𝒆�=𝒑�(�+𝒆𝒙+𝟏),�=𝟎,𝟏,𝟐,𝟑,...𝟏𝟎� 𝒆𝟏𝟎�=� 𝑬� 𝒆� 𝑬�= σ𝟖�(𝒙+𝒆𝒙)𝒑𝒐𝒑𝒊,� 𝒙=� σ𝟖� 𝒙=� 𝒑𝒐𝒑𝒊,� 𝑝𝑜𝑝𝑖,� 𝑒� 80.0% 169.3% 64.6% //77.9% 2 43.1% 27.7% 19.1% 76.4% 348.9% 28.3% 4 78.4% 45.7% 88.3% 5 % 34.0% 33.5% 33.0% 31.7% 31.1% 29.8% 30.1% 30.7% 27.2% 21.6% 19.5% 15.2% 15.9% 15.8% 17.4% 15.2% 16.7% 17.7% 13.9% 11.5% 12.1% 11.0% 10.5% 10.7% 12.7%13.0% 7.6% 11.39.5 25.3 20.815.1 125.0 31.7 42.6 38.6 43.9 61.5 68.8 65.6 56.8154.5 66.8 77.0 80.6 86.4 95.5 110.0 112.0 140.0 137.3 187.2 220.0 245.0 100[100,200)[200,300)[300,400)[400,500)[500,600)[600,700)[700,800)800   1-5 4. 3.8 3.8 3.4 % 30.3% 23.7% 10.6% 9.3% % 8. 7.1% 5.0% 3.3% 2.7% 0%0 / / 72.1% 68.1% 58.6% 45.3% 12.1% 10.7% / 6.4% 84.6% 82.7%    40% 50 100 7 55% 4 59.7% 60.0% 21.0% 19.4% 45.0% 20.0% 14.0% 14.0% 7.0% 50.0% 40.0% 30.0% 20.0% 10.0% 25-50 50-100 100 0.0% 1-34-67-1011-2020 19      700 - =max( ,0)  155 110 61 31 24 21 5 0-500500-10001000-15001500-20002000-25002500-5000>5000 1000 700 407 58% 65.11% 6.39% 2500 % 200 30.4% 29.7% 200 25.3% 15.3% 11.7% 8.8% 200200 % 43.2% 38.7% 32.1% 18.0% 13.6% 200 54.3% 200 200200 200 200- ( 1.7) 10.8% 200 200 8.2% 7.2% 6.28% % % 38.7% 200 ( 200+ 1.1) 200 200 20.2% 4.4% 14.4% 8.1% 15.1% 0.8% 9.2%8.1%9.0%7.2% 6.3% 3.7% 1 1 % 34.6 财富价值 财富价值 指定财富 财富传承 降低税收 防范债务 隔离婚姻 稳定性 增长率 继承人 长期性 负担 风险 风险 % 200 8.1% 4.4% 200200 % 200 41.4% 200 200 30.9% 29.4% 24.8%24.3% 18.9% 15.3% 14.9% 200 372 15495% 200 200 93.83 71.76 79.63% 200 200 200 200 4.54.6 4.6 4.0 200 200 4.04.2 4.3 3.9 3.63.6 3.23.43.33.3 2.92.9 % 1-5 200 43.2% 38.0% 27.9% 24.3% 200 200 14.4% 9.7% 10.5%9.0% 10.7% 6.8% 1.8% 3.6% 26.1% 15.9% 4.3% 14.5% 14.5% 8.7% 8.7% 4.3% 2.9% %