23살 남자      　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　
          　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　
월급 170만원 교통13만 통신7만 용돈50만원  　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　
 
고정지출이 약70만원 정도이고 저축생각액은 약80만원+알파  　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　
 
목적자금은 종자돈과 10년 정도뒤 결혼자금을 원하는 고객 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　
 
현재는 적금60만원을 하려고 은행을 갔는데 금리가 너무 낮아서 좀 더 높은

기대수익율을 기대 하고 있어서 상담 신청을 함.  　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　
          　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　
상담을 통해서 펀드에 관한 전반적인 설명을 들은 후 적금 들어가는 금액을

30만원으로 조정하고 30만원을 적립식 펀드로 하기로 함.  　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　

남은 20만원은 보험사의 비과세 저축보험을 변액으로 결혼자금을 준비하기로 함.  　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　
           　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　 　
적금30만 펀드30만 비과세20만원 남는자금은 CMA로 비상자금으로 사용.