SYSTEM AND METHOD FOR EQUALIZING PERSONAL FINANCIAL INCOME

摘要

PURPOSE: A personal financial income equalizing system and method is provided to receive personal data over the internet or from various financial institute network, and to perform an optimization calculation by using expiration carry-forward, equalization, trust, separate taxation for offering an investment presentation or a portfolio appropriate for the person and planning a tax reducement strategy against ATOFI(Aggregate Taxation Of Financial Income). CONSTITUTION: The system comprises a server access unit(110), an ATOFI database(DB1), an input processor(130), an application program(160), a DBMS server(150), a fire wall(120) and a server controller(140). The server access unit(110) enables a plurality of users to access a server of a service site over a financial institute network or the internet. The input processor(130) processes various data input by the users, and stores the processed data at the ATOFI database(DB1). The application program(160) calculates an optimal financial asset portfolio of the users, and stores the calculated optimal portfolio. The DBMS server(150) manages the ATOFI database(DB1). The ATOFI database(DB1) includes a basic information database and a cash flow database. The basic information database stores information on the person, a spouse, children, financial products, bonds, monetary requirement and monetary raising capability. The cash flow database stores a yearly matured cash flow model, an optimized investment cash flow model, and a cash flow model optimized after a direct selection of trust for the children.