本文从个人理财的目标应具备的功能与特征出发,分析了基于生命周期理论划分个人理财目标的不妥之处,并结合马斯洛的需求理论,提出应该以个人和家庭的资产基础、收入状况等情况综合评价后进行家庭分类,在此基础上设定不同的理财目标。 Based on the function and characteristics of personal financial goals, this article analyzes the defects of personal financial management based on the theory of life cycle, combined with Maslow’s demand theory, proposes that the personal and family assets should be based on the income Status and other conditions after a comprehensive assessment of family classification, on the basis of setting different financial goals.