People's life, with the growth of age, in every stage of life, our situation is different. Investment also needs to be adjusted according to age, because with the continuous accumulation of investment time and experience, disposable income and risk tolerance are not the same, so different investment plans need to be set up. Generally speaking, the investment is made after we take part in the work and earn income, so investors' investment plans are divided into the following four types: 1. Before the single stage, a person is basically full and the whole family is not hungry. In fact, the ability to resist risks in this period is the greatest, and the focus of financial management is not profit but accumulated experience. It is suggested that investors can invest more than 70% of their funds in high-risk and high-yield financial products, such as stocks, equity funds or financial products such as foreign exchange and futures. The remaining 30% choose safer investment tools such as money funds and bonds. 2. After getting married and starting a family, you need to shoulder family responsibilities and distribute family assets reasonably. Generally speaking, investors are advised not to choose financial products with high risks such as futures and foreign exchange. 50% of the funds can be invested in stocks or fixed investment funds, 20% in bonds, 65,438+00% in insurance, and the remaining 20% in current savings is used for family mobility. After the child is born, the child can be said to be a veritable golden retriever. The biggest expenditure of a family may be the education of its children. After the birth of a child, the family expenditure has soared. Investors are advised to spend 30% on stocks or fixed investment funds and 30% on education expenditure, but at this time it is more necessary to avoid risks, 20% on insurance and the remaining 20% as family reserve fund. After retirement, you basically enjoy life. Health first, wealth second, mainly for stability, safety and value preservation. Suggested investors: 20% stocks or fixed investment funds, 40% bonds, etc. 20% current savings is used for daily expenses, 20% insurance, focusing on pension, health and critical illness insurance, and making appropriate pension plans.