Návrh osobního finančního plánu

Abstract

Financial counseling is a relatively young industry with great growth dynamics. Financial planning seeks to answer the question why we want to save money. The goal of financial planning is a balance between our future financial objectives and current anticipated sources. The aim of the thesis is to create the optimum financial plan budget for two selected clients and recommend them suitable financial products to achieve the desired objectives. The thesis consists of three parts. The first part defines the theoretical basis and content of financial advice, financial planning, structure, influence the time value of money and the effect of inflation on financial planning. The second part is devoted to the characterization and comparison of financial market instruments. These are financial products from savings, investment, insurance and loan products. In the practical part the current financial situation of clients is evaluated, objectives wished to be achieved by the clients are identified and the suitable finacial instruments are selected to reach efficiently these objectives. Afterwards a final budget optimization is implemented.