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12
Introduction
5.Newmethodofincludinghouseholdpreferencesinthehouseholdfinancial
plan;
6.Proposalofsystematizationofretirementgoalrealizationschemes;
7.Newapproachtolifelengthaversionintroducingtheconceptof“rangeof
concern”;
8.Proposalofatwo-personhouseholdfinancialplanmodelbasedonrisk
aversion;
9.Includingmanygoalsinplanoptimizationandmodificationofthemodelby
introducingseveralotherriskfactors;
10.Includingprefinancingandpostfinancingintheplanoptimization;
11.Includingreturnonequityandinterestrateinthehouseholdfinancialplan;
12.Proposalofseveralintegratedriskmeasuresofthehouseholdfinancialplan;
13.Proposalofhouseholdfinancialplanmanagementunderrisk.
Thefunctioningofthemodelisillustratedwiththeuseofthestylizedhousehold
data.Theproposedmodel,afteritsdevelopmentandoperationalization,canbeused
inpractice.