【復習用】ななみん Chap.1:ライフプランニングと資金計画①

この記事は約4分で読めます。

 アル中ピカチュウだチュウ!今回はななみん第 1 章「ライフプランニングと資金計画」から第 1 節「FP と倫理」、第 2 節「ライフプランニングの手法」と第 3 節「ライフプラン策定上の資金計画」をまとめておくチュウ!以下では面倒なので語尾のチュウを取るチュウ!

Sec.1:FP と倫理

 ライフ・デザインとはこの先の人生の夢を大まかに妄想する(デザインする)こと。それを実現するために何歳で何やるかと考えてみることがライフ・プランニング。そしてそれを実現するために資金面から色々と予想してみることをファイナンシャル・プランニングという。

 誰かがファイナンシャル・プランニングを立てたいとき、寄り添って手伝い応援する専門家こそがファイナンシャル・プランナーFP, financial planner)である。かれらは顧客の利益を優先して動き、また顧客の秘密を保持しなければならない。ただし自分一人では判断しかねる場合などは、顧客の許可を前提として第三者へに相談することが可能である。

 FP は他の専門家の領域を侵略してはならない:弁税金保。遺言書作成指導などは法律家の領域(弁護士法)、確定申告書作成の援助などは税理士の領域(税理士法)である。また投資判断の助言などは金融商品取引法による制約があり、保険の募集や勧誘は保険業法による制約がある。以上、しかし一般的な解説や仮事例を用いた説明であれば FP でも(法を侵すことなく)できる。

Sec.2:ライフプランニングの手法

 人生において出費が特に痛い教育資金住宅取得資金老後資金三大必要資金と呼ぶ。

 人生設計(ライフ・プランニング)を立てるに当たってライフ・イベント表、その各段階において金銭の流れを書き込んだキャッシュ・フロー表、また各時点において資産や借金の額を記入する個人バランスシートというものがある。キャッシュ・フロー表に書く収入=可処分所得=年収ー(社会保険料+所得税+住民税)である。アル中ピカチュウはこの括弧内を社住所で覚えたが、これはどうでもよい。個人バランスシートでは左列と右列の合計を等しくする(資産=負債+純資産 or 純資産=資産ー負債)。

 資金計画を立てる際には 6 つの係数が登場する:終価係数&原価係数年金終価係数&減債基金係数資本回収係数&年金原価係数。それぞれのペアは掛けると 1 になる。順に単純運用、コツコツ積み立て、積み崩し型の資産運用と関連している。

Sec.3:ライフプラン策定上の資金計画

 上に書いた三大必要資金を思い出す。その一つ目:教育資金について。子供保険教育ローン奨学金の三つが教育資金の調達を可能にする。子供保険には貯蓄機能保証機能がある。教育ローンは特に公的なものに教育一般貸付があるが、これは 1 人当たり最大 350 万まで借りれて、固定金利の下 15 年以内に返済しなければならない。奨学金には無利子の第 1 種と有利子の第 2 種がある。

 三大必要資金の二番目に関連して、住宅ローンについて。高額な家を買う際にはその 8 割について住宅ローンの融資を受けることが可能である。残り 2 割とその他必要資金(大体 1 割と考える)の合計 3 割は自分で用意する。これには、たとえば 55 歳まで550 万までが可能な財形住宅貯蓄があり、財形住宅貯蓄をしている場合は、公的な住宅ローンである財形住宅融資を受けることが可能である。一方、民間の住宅ローンにはフラット 35 などがあり、35 は返済期間を表している。財形住宅融資とフラット 35 の相違点をよく覚えておく

 住宅ローンの金利には固定金利変動金利、そして固定金利期間後はどちらにするかを選べる固定金利変動型もある。返済にあたっては、元利均等返済(元金+利息が一定)と元金金等返済(元金が一定)の二種類がある。さて住宅ローンを繰り上げ返済しようと思ったとき、返済期間が短縮される方法と返済額が軽減される方法の二種類がある。金利の高い住宅ローンを一掃して金利の低い住宅ローンに乗り移ることを、住宅ローンの借り換えという。ただし、民間型 ⇨ 公的型への借り換えはできない

 三大必要資金の三番目が老後資金、つまり退職した後の資金であった。老後資金の拠り所は主に退職金年金貯蓄である。老後に必要な生活費は夫婦が健在の場合:退職前の生活費×0.7/月、片方のみ健在の場合:×0.5/月 と見積もられている。どちらも死亡している場合は当然 0 になるであろう。

まとめ!

 ななみん第 1 章から第 1 節「FP と倫理」、第 2 節「ライフプランニングの手法」と第 3 節「ライフプラン策定上の資金計画」の自分向けメモを作成したチュウ!(アル中ピカチュウ復活チュウ!)FP はどう振る舞うべきか、人生計画にはどういうツールがあるか、三大必要資金にはどういう財源あるいは調達法があるかを見たチュウ!財形住宅融資(公的住宅ローン)とフラット 35(民間)の相違点をよく覚えておくべきチュウね。

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