The Application Of Portfolio At The Personal Finance System

With the reform and opening, the high growth of economics has apparently improved Chinese lives, as well as increased their incomes. People begin to care about the problems of finance and feel interested in financial planning. They hope through the portfolio, their finance can be not only safe but also free in the future. However, the circumstances of market and the system of laws are more and more complex. People find they can't deal with it by themselves. So they ask for the finance experts' help. But unfortunately, there are short of such experts because the development of personal finance business and education are relatively slow in our country.How to solve this problem and guide more people to learn finance scientifically under this condition? The thesis suggests to building up a personal finance system based on Internet and its core is portfolio. Through it, every investor can know clearly about his life cycle, asset and predilection of risk. Then he can choose a suitable plan of investment or do some adjustment on it by himself.The main content and the structure of the thesis are as follows:The preface introduces the background, significance and methodology. Chapter 1 discusses some notions about personal finance, including its contents, the theory of life cycle and the family models. Chapter 2 is about the portfolio policy. It introduces not only some common investment tools and their return and risk, but also how to compute the return and risk of portfolio. Chapter 3 discusses the summary design of personal finance system. It includes the functions of each model. Chapter 4 uses an example to explain the application of portfolio in the system of personal finance. The last chapter is the concluding remarks. It analyzes the limitation of this thesis.