连载:20几岁，决定女人的一生 作者：(韩)南仁淑 出版社:南海出版公司
在央行连续8次降息后，存款利率处于历史低点的今天。如何理好财，用好自己的钱，使之能够不断保值、增值，已经成为越来越多逐渐的人们所共同关注的话题。
尤其二十几岁的女性，作为现代都市中一个新兴的白领阶层，正在迅速壮大中。她们一般收入颇丰，她们的理财需求大多已经由资产保值转向如何使资产增值和获取更多的收益。
但由于工作，生活等关系，她们一般不能够亲自打理自己的资产。因此，寻找一批全面掌握银行业务、具备投资市场知识、懂得营销技巧与客户心理的高素质理财顾问，为其提供个人化的、有目的、专业化、长期性的理财金融服务，已经成为迫切需要。
陈洁，25岁，某外企公司的人事部经理。每年的收入在10万左右，但陈洁大手大脚惯了，收入虽然不菲，可一直没有储蓄。她计划一年后结婚，可是没有钱，怎么结婚呢？朋友知道陈洁的情况后，向她推荐了一个理财顾问。在理财顾问的帮助下，陈洁重新审视和规划自己的财务，不仅平衡了开支，还进行了储蓄和基金投资。等到年底的时候，陈洁的手里连存款带投资收益，竟然有了6万多元。
陈洁十分高兴，特别请她的理财顾问吃了一顿饭。因为，她明年结婚的费用有着落了。
理财专家指出，二十几岁女人聘请理财顾问，有如下三方面的好处：
1、 可以节约自己的时间
在今天这个快节奏的世界中，时间已经成为一项紧缺的资源。聘请个理财顾问，可以在制订理财方案、收集投资信息、进行具体投资操作等方面为女人做许多工作。即使大多数倾向于亲自管理资产的女人。她们也没有足够的时间做得像理财顾问那样好，这种情况下，聘请专业投资顾问是一种降低成本的有效方法，从而把自己解放出来，去从事能带来更丰厚回报的工作和活动。
2、 能够使自己的投资理性化
对大多数女人来说，金钱是一个敏感的话题。在事关自己金钱的问题上，女人总是很难完全摆脱情绪的影响而作出理智的决定。理财顾问的存在使制定出的理财决策变得更为客观，从而帮助女人解决了这个问题。理财顾问还可以帮助女人对困难的问题作出决策，并在衰退时期保持客观冷静。
3、 可以借助专业的知识和经验
个人往往没有接受过正规的理财投资者训练，要想只靠自己来解决所有的问题，就必须完全了解所有正在不断增加的专业知识。了解这些知识并时刻确保不落后于时代，不仅耗时甚多，而且成本巨大，很少有女人愿意付出这种努力。
但是称职的理财顾问接受过多年的正式训练，学习了市场运作的机制，可以运用所学知识为客户争取利益。另外，他们中的大多数人能够获取个人投资者无法获取的信息，这些信息可以使他们对客户提出更好更充分的投资建议。
那么，如何选择一个合适的个人理财顾问呢？
一般而言，需要从以下几个方面注意。
1、 是否身兼多能
一个优秀的理财顾问，不仅应该熟悉金融产品，还要熟悉各种投资工具和产品，如保险、证券、不动产甚至邮票、黄金等，以及对相关法规的掌握、运用，只有具备相当的专业知识和敏锐的洞察力，且将自己所学所知不断更新，才能为客户提供有价值的资讯。
2、 是否有强势的专业背景
优秀的理财顾问身后，应该有强大的数据、政策平台作为支持，以确保为客户所制订的方案规避可能出现的风险。
3、 是否具有良好的职业素质
具有良好的信誉。一切以客户为先，严守客户资料的隐私性和保密性。在专业服务和活动中，会固守职业操行守则。做到专业上负责任地做事，职业道德上负责任地为人。
4、 是否靠收取佣金挣钱
如果你找的理财顾问靠收取佣金挣钱，那么这就意味着他们有鼓励投资者买卖那些高佣金产品的动机，可能会向你提供错误的建议，给你造成损失。对个人而言，最好的办法就是聘请那些只收咨询费的顾问，如那些按小时或按投资组合价值一定比例收费，或每年只收取固定费用的顾问。
5、 是否收费合理
与他们提供的有限建议相比，收费是否合理，十分重要。不论收取的是顾问费还是佣金，交给顾问的费用都可能相当于你每年投资组合1%的价值。再考虑到购买基金或其他产品所需支付的费用，你每年的理财花销可能在2%，甚至3%左右。因此，你寻找的投资顾问，应该有能力保证你投资的回报率在5%以上。
Please a personal financial advisor on the 2010 08 on Tuesday, 09:43 series: 20 years of life, the woman (Korea) south sea RenShu press: publishing company
In the central bank cut, after eight times in the history of the deposit rates low today. How good fortune, Daniel with good oneself of money, make can continuously maintenance and appreciation, has become more and more common people gradually issue of concern.
The female, especially twenties as a new modern urban white-collar, is growing rapidly. They generally lucrative, their financial needs most is how to make the assets of the assets to gain more income and appreciation.
But because of work, life and relationships, they generally dont be doing their assets. Therefore, looking for a comprehensive grasp banking, investment market marketing skills and knowledge, understand customer psychology of high-quality financial advisor, provide the personal and professional, long-term financing, financial services, and has become the urgent need.
ChenJie, 25, a multi-national company personnel manager. Annual income in 10 million, but ChenJie lavishly accustomed though expensive, income, but never savings. She plans to marry a year, but no money, how to get married? Friends know when to ChenJie situation, she recommended a financial adviser. In financial advisors help, ChenJie re-examine and planning their financial expenditure, balance, also carry a savings and investment funds. Until the end of time, ChenJie hands with investment income, and even the deposit is 60,000 yuan.
ChenJie very happy, special please her financial advisor to eat a meal. Because, she married next years cost is in the bag.
Financial experts point out that, twenties are employed financial advisor, women following three aspects of benefits:
1, can save your time
In this fast-paced world, time has become a shortage of resources. Hire a financial adviser, may formulate financial plan, collect information on specific investment operation, etc for women do much work. Even though most of the assets management tends to himself. They didnt have enough time to do as well as financial consultant, this kind of circumstance, hire a professional investment consultant is an effective method to reduce the cost, thus, to free himself in can bring more profitable work and activities.
2, can make their investment rationalization
For most women, money is a sensitive topic. Penny money in the problem, the woman always hard to completely avoid emotional influences the rational decision. Financial advisers to formulate financial decision-making more objective, thus helping women solved the problem. Financial advisor, still can help a woman of difficult problems, and make decisions in recession remain objective calm.
Three, can use the professional knowledge and experience
People tend to have received formal financial investors training, want to rely on themselves to solve all the problems, we must fully understand all the professional knowledge is increasing. Understand the knowledge and the time to be behind The Times, not very much, and the cost is time-consuming, few women willing to pay such efforts.
But the competent financial advisor to accept many formal training, study the market operation mechanism, can apply for the customer benefit for knowledge. In addition, most of them can get individual investors can obtain information which enables them to customers better and more fully investment advice.
So, how to choose a suitable personal financial consultant?
Generally speaking, from the following several aspects need attention.
1, whether can multitasking
A good financial advisor, not only should be familiar with the financial product, more familiar with various investment tools and products, such as insurance, securities, real estate and even stamps, gold, and relevant regulations of the master, use, only is a professional knowledge and keen insight, and learnt to update, known to provide valuable information.
2, whether there is strong professional background
Good financial advisor, should have strong behind the data, policy support, to ensure a platform for customers rules and avoid the risk of possible solutions.
3, whether it has good professional qualities
With good reputation. All customer first, customer information privacy and confidentiality. In the professional services and activities, professional code of conduct will stick. Do things on the professional ethics and responsibly on responsibly.
4, whether by a commission to earn money
If you find a commission on the financial advisor, so this means money they have encouraged investors trade those high commission product motive, could provide you with wrong advice, give you damage. To the individual character, the best way is to employ those who accept advice adviser, such as those by the hour or by a certain proportion value portfolio every year, or collect fees fixed fee only.
5, whether reasonable charge
And they provide limited advice, whether reasonable, charge is very important. Regardless of the charge, or commissions are advisors consultant fee equivalent to you may be 1% of the portfolio every year. Consider to buy fund or other product, you will be required to pay fees annually in the financial costs may even 2%, 3%. Therefore, you should have the ability to investment advisors, that the rate of return on your investment over 5%.
