Exploration period (15 to 24 years old)

During the student years, you must prepare yourself professionally and intellectually for future financial freedom. At this time, you can participate appropriately and try to make some investments. Operations, or obtaining a certain amount of income through work-study, scientific research and development and other activities. You should develop good financial management habits in college, such as financial accounting, purchasing insurance funds, fixed investment, living within your means, etc. Good financial management habits will benefit you in your future financial management activities.

Establishment period (25 to 34 years old)

Financial planning: stocks 40%, funds 40%, bonds 10%, currency 10%

This period There are many financial management goals, mainly preparing for marriage, buying a house and a car, continuing education expenses, etc. Without scientific planning, it is easy to form a dilemma of making ends meet. Therefore, it is necessary to strengthen cash flow management, reasonably arrange daily expenses, and appropriately save funds for appropriate finance. Investments, such as stocks, funds, futures, and option investments, on the one hand, accumulate investment experience, and on the other hand, use the characteristics of young people's strong risk tolerance to obtain higher investment returns.

Stable period (35 to 44 years old)

Financial planning: stocks 30%, funds 30%, bonds 30%, currency 10%

This period It is necessary to do a good job in investment planning and family cash flow planning to prevent risks such as illness, accidents, and unemployment. You can consider using methods such as regular fixed-amount fund investment to utilize the compound interest effect of investment and the time value of long-term investment to accumulate wealth for the future. At the same time, we should pay attention to purchasing personal insurance, accident insurance and other types of insurance for individuals and families, so as to prepare for rainy days and nip them in the bud.

Maintenance period (45 to 54 years old)

Financial planning: stocks 20%, funds 30%, bonds 40%, currency 10%

This stage It is a critical period for individuals and families to carry out financial planning. They must not only accumulate as much wealth as possible by increasing labor income, but also make good use of investment tools to create more wealth; they must not only pay off various medium and long-term debts, but also reserve for the future. wealth. During this period, financial investment, especially portfolio investment that can obtain appropriate returns, became the main means.

Plateau period (55 to 60 years old)

Financial planning: stocks 10%, funds 10%, bonds 60%, currency 20%

At this stage , the main financial management task of an individual is to properly manage the accumulated wealth, proactively adjust the investment portfolio, reduce investment risks, focus on conservative and stable investments, with an appropriate proportion of aggressive investments, and allocate more funds, bonds, savings, and bank fixed investments. Income financial products maintain and increase the value of assets in a stable way.

Retirement period (after 60 years old)

Financial planning: stocks 10%, funds 10%, bonds 60%, currency 20%

Generally speaking, After entering the retirement period in their 60s and 70s, the main life goal is to enjoy their old age in peace, and social interactions will be significantly reduced. The main financial management tasks during this period are to invest steadily to preserve property and consume reasonably to ensure normal expenses during retirement.

At this point, a completed financial plan is released. I hope the personal financial plan shared by the Qingteng editor will be helpful to you!