Research On Financial Planning Design For Retirees

In recent years,the problem of financial management of retirees has become increasingly prominent.According to the analysis of the "e rent and treasure" victims in 2015,90% of the investors are elderly investors,most of whom are retired,and investors are "E rent treasure" this kind of financial products,the knowledge of the risk of ignorance,and finally suffered heavy losses.And so there are many such incidents,which also shows that China's retired staff in the process of financial management will not choose the appropriate financial management tools and financial strategy,so the retreat for the financial problems still need further study.This article will design a financial process to help retirees to finance,first analyze personal information to retain the basic life of retirees' funds,and then the surplus funds for financial planning.Financial planning time to help retirees to choose the appropriate financial management tools,and then use the MATLAB software to analyze the risk of portfolio effective frontier.The financial goals and risk appetite for each retired person are not the same,and change the proportion of risk-free assets and risk portfolios based on these differences,resulting in a financial plan for retirees.Then the typical case analysis,with reference to the financial process,the analysis of each case of financial management of the basic information,leaving enough to protect the funds,on the basis of the remaining assets of each person's goals or risk tolerance to invest in financial management tools.In theory,the financial process designed in this paper is suitable for retirees,financial institutions and government departments.Retirees can use the financial management process with their own actual investment.Financial institutions can be used as a reference to improve their own financial products,but also can improve their financial advisory services.Government can also refer to the financial process of this article,for each step to monitor,improve the financial market laws and regulations,deepen the financial system reform,to provide a retirement financial management more relaxed environment.