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.
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