A useful report should identify what matters first, show the evidence, set the next 90-day priorities and explain what would change the judgment.
ImportantEvery family, amount and circumstance below is fictional. These cases demonstrate the report format only and are not personalized investment, insurance, tax or legal advice.
SIMULATED FAMILY A
Meaningful wealth, but 85% sits in cash and property
The issue is not a lack of assets. The assets have not yet been assigned clear jobs.
Property and cash account for 85% of total assets. The next step is not another product—it is separating emergency, near-term and long-term capital before considering structural changes.
Key evidence
Property represents 60% of total assets, above the model’s concentration threshold.
Property and long-term savings represent 75%; actual liquidity depends on sale timelines, withdrawal rules and exit costs.
Cash represents 25%, but its family purposes remain undefined.
No growth assets were disclosed while the reference profile is balanced. This is a fit signal, not an instruction to buy.
Liabilities equal approximately 12% of gross assets and are not the immediate priority, subject to repayment cash flow.
What remains unknown
Professional property value and realistic sale timing
Product quality and guaranteed versus non-guaranteed policy benefits
Tax, legal or cross-border suitability
Future returns or which product should be bought or sold
NEXT 90 DAYS
Priorities—not product instructions
01
Give each cash pool a job
Separate emergency reserves, known near-term spending and capital without a defined long-term job.
02
Test property liquidity
Check whether goals remain funded if income falls 30% or the property cannot be sold for 24 months. This is not a recommendation to sell.
03
Verify the missing evidence
Confirm property use, mortgage terms, policy withdrawal conditions and the timing of major family spending.
What would change the judgment?
A major goal moves within three years
Income stability or debt changes materially
Dedicated reserves are established
New long-term investable capital becomes available
Retirement is approaching, but the future cash flow is not yet connected
STRUCTURE SCORE71/100 · Generally workableANALYSIS DEPTHHigh · Completed fields are still not verified facts
Family snapshot
01
Planned retirement: in two years
02
Gross assets: CNY 10.4m
03
Property: CNY 4.0m
04
Stocks and ETFs: CNY 4.5m
05
Cash: CNY 0.2m
06
Annual retirement funding gap: CNY 0.32m
ONE-MINUTE CONCLUSION
The balance sheet is not weak. The main risk appears when employment income is replaced by retirement withdrawals.
Cash alone covers about 7.5 months of the expected gap. The priority is a three-to-five-year withdrawal sequence—not reacting to short-term market moves.
Key evidence
The expected annual retirement funding gap is CNY 320k.
Stocks and ETFs represent approximately 79% of financial assets.
A drawdown combined with early withdrawals could increase sequence risk.
CNY 1.0m of debt remains and needs a defined retirement repayment source.
Protection data needs context; coverage alone cannot establish adequacy.
What remains unknown
Retirement-plan success probability
Future inflation, healthcare and long-term-care costs
ETF overlap and bond credit or liquidity
Tax arrangements or any specific buy/sell decision
NEXT 90 DAYS
Priorities—not product instructions
01
Build a five-year cash-flow table
List fixed retirement income, essential spending, debt service, medical costs and the amount that must come from assets each year.
02
Assign assets by use date
Map capital to 0–2 year spending, 3–5 year transition funding and 5+ year growth—without preselecting a product.
03
Review protection in context
Check medical and critical-illness cover, beneficiaries, policy cash values and non-guaranteed elements alongside family responsibilities.
What would change the judgment?
Retirement is delayed or expected spending falls
Fixed retirement income increases
Major debt is repaid before retirement
Bond maturities or the drawdown boundary are clarified
FROM SAMPLE TO YOUR QUESTION
A full diagnosis is more than a mysterious score.
It connects one clear conclusion, the evidence behind it, 90-day priorities, review triggers and explicit boundaries.
