L’importanza della pianificazione finanziaria familiare
La famiglia è un soggetto economico e come tale necessita di essere guidato come una azienda per quanto riguarda l’aspetto della gestione delle proprie risorse. Al pari di una azienda può capitare che essa debba affrontare nel tempo situazioni di difficoltà economica. Occorre individuare le cause dei momenti di criticità per poterli evitare in futuro.
Una programmazione, seppure minima, dei flussi di denaro in entrata e in uscita può evitare spiacevoli sorprese. E’ quindi importante imparare ad amministrare consapevolmente le risorse disponibili, tenendo sotto controllo i costi della famiglia.
Un valido strumento per gestire al meglio le risorse domestiche è il bilancio familiare, che consente di valutare la quantità delle spese sostenute e di stabilire quante se ne possono ancora sostenere: in sostanza come utilizzare razionalmente le risorse disponibili.
LA PIANIFICAZIONE FINANZIARIA FAMILIARE
La pianificazione finanziaria familiare è quel processo di valutazione delle esigenze finanziarie delle famiglie per aiutarle ad analizzare i propri bisogni, pianificare gli obiettivi finanziari, previdenziali ed assicurativi e delle conseguenti decisioni di investimento per ridurre al minimo i rischi e ottimizzare le risorse per il loro soddisfacimento.
Con una buona pianificazione dei propri investimenti, la famiglia diventa finanziariamente indipendente, è in grado cioè di soddisfare i propri bisogni finanziari.
Tale attività è normalmente supportata da un consulente finanziario che aiuta la famiglia a capire e formalizzare le proprie aspettative a breve, medio e lungo termine, e la educa ad attuare comportamenti coerenti con questi obiettivi. Tutto ciò per fare acquisire piena consapevolezza dei propri bisogni finanziari prioritari e delle risorse disponibili (presenti e future) per raggiungerli e a conoscere gli strumenti finanziari (dai fondi pensione ai fondi comuni e alle polizze Vita) che permettono di soddisfare questi bisogni tenendo conto delle risorse disponibili.
COME SI EFFETTUA UNA CORRETTA PIANIFICAZIONE FINANZIARIA FAMILIARE?
Le attività che riguardano la pianificazione si basano sull’analisi della condizione patrimoniale economica e finanziaria della famiglia.
E’ un processo che viene sviluppato sul percorso di vita dei componenti della famiglia, attraverso la raccolta di tutte le informazioni significative: redditi, consumi e ammontare del patrimonio, relative alla situazione della famiglia ed i bisogni per indicare l’ordine di priorità (istruzione dei figli, pensione acquisto casa, acquisto auto, ecc).
Ne consegue la scelta delle soluzioni più adeguate alle condizioni, attraverso strumenti quali, investimenti, coperture assicurative, previdenziali, finanziamenti, mutui, agevolazioni fiscali.
L’IMPORTANZA DEL CONSULENTE FINANZIARIO
Il Consulente Finanziario risulta essere di fondamentale importanza in questo processo, il quale, seguirà costantemente il monitoraggio delle azioni decise e consiglierà nel tempo le correzioni in relazione al cambiamento degli obiettivi e degli strumenti finanziari ed economici presenti.
Qualora questa pubblicazione ti sia risultata utile e gradita, per rimanere sempre aggiornato iscriviti gratuitamente alla newsletter settimanale oppure seguici sui social network (facebook ).
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Buongiorno, sono un uomo di buon carattere e buona fede che cerca di aiutare le persone con problemi di soldi. Offro prestiti in denaro a chiunque sia interessato a un prestito per riavviare un’attività. Inviami un’e-mail e i tuoi problemi di denaro saranno risolti. rivanopaolo@libero.it WhatsApp +393511905236
Buongiorno a tutti, Questa è un’offerta di prestito internazionale. Per tutte le aziende e le persone in difficoltà finanziaria, offro un’opportunità da non perdere. Venite in massa a fare le vostre richieste di prestito e finanziamento a Finance Compagnie e ne avrete una perfetta soddisfazione. rivanopaolo@libero.it WhatsApp +393511905236
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OFFERTA DI PRESTITO / WHATSAPP: +39 339 176 7253
Soluzione per aiutarti
Sono un uomo particolare e offro prestiti tra 5 000 € 10 000 000 € tra individui.
Sono disposto a darti un prestito con un basso tasso di interesse che è del 3% per le tue esigenze personali e di altro genere.
Per tutte le informazioni sulla condizione del prestito, contattami via mail: juangiana1@gmail.com
In contatto con me da parte di Whatsapp: +39 339 176 7253
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Ciao
Il vostro credito serio tra gli individui
Avete bisogno di un credito tra individui.
Sì, tra individui.
Voi fate la vostra richiesta e il contratto sarà firmato tra voi e me.
La banca si occupa solo del trasferimento.
Richiedere un credito non dovrebbe più essere un problema.
Richiedi un credito tra 5000€ e 1.000.000€ e lo avrai in 48 ore
Termini convenienti senza il fastidio.
Mio indirizzo mail giovannidinatale1954@gmail.com
Finire il vostre preoccupazioni d denaro stupido la mia offerta di prestito. Offro di 5000 ha 200 000 000 € stupido un interessato del 3% per anno e-mail: yvette.defonds@gmail.com
Ciao
Il vostro credito serio tra gli individui
Avete bisogno di un credito tra individui.
Sì, tra individui.
Voi fate la vostra richiesta e il contratto sarà firmato tra voi e me.
La banca si occupa solo del trasferimento.
Richiedere un credito non dovrebbe più essere un problema.
Richiedi un credito tra 5000€ e 1.000.000€ e lo avrai in 48 ore
Termini convenienti senza il fastidio.
Mio indirizzo mail giovannidinatale1954@gmail.com
Buona comprensione
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Buongiorno, hai bisogno di un prestito urgente? Mettiamo a vostra disposizione prestiti di 1.000 € a 10.000.000 € con un tasso d`interesse del 2%.
E-mail: financec100@gmail.com
Whatsapp: +33780723587
Grazie.
Offerta di prestito tra l’individuo urgente
Buongiorno Offerte individuali in denaro da 1.000 € a 2.000.000 €, con un tasso il tasso di interesse è rimborsabile del 3% in un periodo compreso tra 1 anno e 30 anni. Condizioni ragionevoli se la mia offerta ti interessa contattami di più rapidamente per discutere le modalità e documenti da fornire.
E-mail: giovannidinatale1954@gmail.com
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Alla vostra attenzione:
Benvenuto Siamo un’organizzazione italiana.giovannidinatale1954@gmail.com
Offriamo prestiti da 2.000 euro a 900.000 euro
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Buongiorno
Alla vostra attenzione:
Benvenuto Siamo un’organizzazione italiana.giovannidinatale1954@gmail.com
Offriamo prestiti da 2.000 euro a 900.000 euro
Mettiamo a disposizione di tutte le persone serie e oneste un’offerta di prestito da 2000€ a 100.000€con un interesse del 3%.
contattami in privato se sei interessato.
BN: Non sono qui per scherzare.
E-mail: piergiorgio.zavatti1@gmail.com
Buongiorno.
Buongiorno
Alla vostra attenzione:
Benvenuto Siamo un’organizzazione italiana.giovannidinatale1954@gmail.com
Offriamo prestiti da 2.000 euro a 900.000 euro
Hey there, I think your site might be having browser compatibility
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Offerta di prestito seria e fiducia
Sono in lacrime di gioia.
Non mi sono mai fidato dei prestiti peer-to-peer.
Vi porto una testimonianza della Signora Francesca Coppola che mi ha concesso un prestito di 16.000 euro in questo periodo dell’anno 2023, ciò è avvenuto in 48 ore e senza la minima complicazione. Dovrai essere preciso e conciso nel fare la tua richiesta, è raggiungibile tramite e-mail (francescacoppola.it@gmail.com)
Buongiorno.
Alla vostra attenzione:
Benvenuto Siamo un’organizzazione italiana.giovannidinatale1954@gmail.com
Offriamo prestiti da 2.000 euro a 900.000 euro
Buona giornata caro, mi chiamo. Signor Pierrick Fédrigo, vivo in Canada e oggi sono un uomo felice? e mi sono detto che qualsiasi prestatore che salva la mia famiglia dalla nostra povera situazione, gli indirizzerà qualsiasi persona o azienda che sta cercando un prestito, mi ha dato felicità a me e alla mia famiglia, avevo bisogno di un prestito di $ 329.000,00 per ricominciare la mia vita poiché sono un padre single con 3 figli. Ho incontrato questo prestatore di prestiti onesto e timorato di DIO che mi ha aiutato con un prestito di $ 329.000,00 USD, è un uomo timorato di DIO, se hai bisogno di prestito e ripagherai il prestito, contattalo e digli che è il signor Pierrick Fédrigo a indirizzarti a lui. Contatta il dottor Benjamin Owen via e-mail: rispondi all’e-mail (drbenjaminfinance@outlook.com)
Contatto del prestatore di prestito legittimo
Amministratore delegato: Dr. Benjamin Owen
drbenjaminfinance@outlook.com
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