English Chinese translation sample-smart money planner-operation guide

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Operation Guide
Please come to ICBC Finance Centers at your place or call your customer manager for details.

　　☆操作指南
　　您有任何理财需求，请亲临当地工行理财中心或致电您的客户经理咨询。

☆ Helpful Tips
1. Review my assets, including deposit, future income and expected expense; clarify how much money can be managed. This is the fundamental.

　　☆温馨提示——理财规划五步曲
　　第一步，回顾自己的资产状况，包括存量资产和未来收入及支出的预期，知道自己有多少财可以理，这是最基本的前提。

2. Know my target; understand what I want, what kind of life and objectives that I want to achieve. This should be a quantitative objective with amount and time.

　　第二步，理清自己的理财目标，知道自己想要干什么，有什么样的生活目标和理财目标，这个目标是一个量化的目标，需要具体的金额和时间。

3. Know clearly what my risk preference is; do not make assumptions on risk preferences without considering any situation. E.g.: some customers dump all the money in stock market because of their own preference in riskier investment tool. No consideration on parents, children, nor family responsibility. At this moment, his risk preference deviates from what he can take.

　　第三步，清楚自己的风险偏好，不做不考虑任何客观情况的风险偏好的假设，例如，有的客户因为自己偏好于风险较大的投资工具，把钱全部都放在股市里，而没有考虑到他有父母、子女，没有考虑到家庭责任，这个时候他的风险偏好偏离了他能够承受的范围。

4. Allocate asset strategically, determine how to distribute personal and family asset based on the above. Adjust cash flow to reach objective or change those unrealistic goals. Ex: how much should go into savings, how much for buying fund or insurance. After the allocation, then think of investment steps; choose an investment product and the opportunity to invest.

　　第四步，做战略性的资产分配，根据前面的资料决定如何分布个人或家庭资产，调整现金流以便达到目标或修改不切实际的理财目标,比如，有多少钱进行储蓄，用多少钱购买基金，用多少钱购买保险等。在做好了这个资产分配的工作后，然后才是投资操作层面，进行具体的投资品种和投资时机的选择。

5. Track the performance. Market is changing unceasingly, so does financial situation and future income level of each of us. Hence it is necessary to do a performance review on investment and adjust the planning continuously. Only in this way that you can reach a level of secure financials, increased asset value and freedom of money.


　　第五步，做绩效的跟踪，市场是变化的，每个人的财务状况和未来的收支水平也在不断的变化应该做一个投资绩效的回顾，不断调整理财规划，这样才能更好的实现财务安全、资产增值和财务自由的境界。