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随着个人财富的增长，越来越多的人开始关注理财，而理财规划师也成为一个热门职业，不少人想要考取理财规划师证，那么，取得理财规划师证书之后有哪些好处呢？
) L; a, h* r6 Y3 i$ ?7 `$ y6 z6 l/ l7 ^
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考取理财规划师证书， 高薪就职有保障
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理财规划师作为时下最火热最吃香的职业之一，其薪资待遇也是分为好几等的。据深圳人才市场数据显示，理财规划师平均工资是税后15360元，最低工资也达到了8500元，最高工资则没有封顶，大部分都是12000元左右，而且目前人才市场上理财规划师人才也是奇缺。 0 c* E) i9 y2 D6 n+ H6 e+ g
2 J% k: W& U4 l: @高薪是我们追求的物质需求，有了高薪才有可能追求我们更高的需求，就像我们经常说的那句话：经济基础决定上层建筑。 $ @/ U0 q2 q0 K# J
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A( l) [. M" r: O/ U' d$ @理财规划便于实现教育期望 8 ^4 x% T. z; Q6 k+ x8 [" A
: w+ A$ H! b! A4 o! y教育为人生之本，时代变迁，人们对受教育程度要求越来越高。再加上教育费用持续上升，教育开支的比重变得越来越大。我们更加需要及早对教育费用进行规划，通过合理的财务计划，确保将来有能力合理支付自身及其子女的教育费用，充分达到个人(家庭)的教育期望。 & Q8 g/ v, Y# }( h# x
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知识永远都是可以创造财富，知识可以改变命运，这是千百年来的道理。通过理财规划可以让你有机会学习。 # L8 n# n8 k- f" h+ T! Y$ i
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6 G! N9 ?' A8 A: H) u必要的资产流动性 ) V& Y7 ?! l7 H. B: [, o# E
, @: c/ X ~6 K3 e/ c2 R, D: X3 {个人持有现金主要是为了满足日常开支需要、预防突发事件需要、投机性需要。个人要保证有足够的资金来支付计划中和计划外的费用，所以理财规划师在现金规划中既要保证客户资金的流动性，又要考虑现金的持有成本，通过现金规划使短期需求可用手头现金来满足，预期的现金支出通过各种储蓄或短期投资工具来满足。
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P! k, L/ [$ ?! k* O$ V+ ~, n" E风险保障让你面对突发事件处变不惊 " R4 ~! ^8 _: [, I; B6 H5 y+ i0 {
' m- t! `: U+ q- v8 T9 T) w在人的一生中，风险无处不在。只要你掌握了专业的理财规划技巧，通过风险管理与保险规划做到适当的财务安排，将意外事件带来的损失降到最低限度。理财规划，规划好自己的生命保险，让自己未来一切无忧。 4 p4 m% T! C9 g& S
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4 x }% q( d, ]* Z) x保持收支结构大体平衡 7 V+ }, T f1 J6 a h
- o8 G. D# s9 w! B7 m( V( H个人理财目标的首要目的并非个人价值最大化，而是使个人财务状况稳健合理。在实际生活中，减少个人开支有时比寻求高投资收益更容易达到理财目标。通过消费支出规划，使个人消费支出合理,使家庭收支结构大体平衡。 - W3 p) Q! G/ u+ j
: u- v9 B% u& x3 @这个对于大多数家庭是有用的。收支平衡，可以保证自己的日常生活的开支。
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; v4 [0 Z( T( w5 N7 ~" ]2 V1 i合理的纳税安排，让你过上优质生活
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7 L9 [% u- W0 S" T: V' r4 F准球王梅西曾因为偷税漏税问题给西班牙税务局盯上，最后不但要补缴漏税金额，还要罚款1000万欧元，甚至差点就要遭受牢狱之灾。 7 F) s# s- O- O5 u6 A" R' Y; Z
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这个小故事告诉了我们：纳税是每一个人的法定义务，但纳税人将自己的税负减到最小。为达到这一目标，懂得理财规划的人会通过对纳税主体的经营、投资、理财等经济活动的事先筹划和安排，充分利用税法提供的优惠和差别待遇，适当减少或延缓税负支出。 l' `; F g6 \) m
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5 B1 _0 M% w3 `合理的理财规划，可以让提高你的人生的节奏，不管是生活，教育，家庭还是未来，都是一笔巨大的规划财富，而这一切都来于理财规划。 1 o2 S- e/ ?" |; V
4 C& G, @1 G) r, d+ B w' W9 f来源：金色财经 |
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