| Summary: | 碩士 === 逢甲大學 === 經營管理碩士在職學位學程 === 106 === To many people, financial planning is their life lessons. A good financial planning can let people have healthful finance. Therefore, realizing the goal and direction of the financial planning, and planning about future lives and expectative life quality, which is the ultimate goal about financial planning. In order to achieve these goals, it is the universal planning model that understands the degree of risk that each person can undergo, and then starts to plan the ways and suggestions of investment strategy. Moreover, we can obtain the proper return rates through the financial planners' ways of strategy and suggestions, and decide our own life styles through the returns on investment. However, this kind of model is no longer suitable. When the market changes, it leads to some severe changes in investors’ short term investments. The serious one will lose his/her shirt. And those whose lives aren’t impacted will leave the market because they can’t bear so much losses, and no longer invest. This study analyzes that the ideal financial planning model should be operated conversely, including wealth goal, return on investment, investment strategy, and value at risk tolerance. The initial goal of investors is the time and funds that invest expectably, rational return rate, planning the investment strategy, and the last one, value at risk. This is a different kind of thought which this study wants to analyze and evaluate. What kind of change it will be under the different practical operations. Under what kind of planning models, the probability of attaining the financial goal is bigger. Therefore, this study will validate the points through practical application and big data analysis.
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