Early mainly refers to a person before the age of 20 to 35. During this period, I mainly rely on my own salary income, because there are no assets during this period, which is the age when I need money urgently. Boys need to buy a house and a car, and girls should also cultivate and improve themselves. Because it is essential to be an independent and excellent person in study and investment if they want to develop in the long run, it is basically impossible to save too much money during this period, even if they do.
Later, after the middle age of 35, if there is no accident at this time, basically the children are several years old and may have already entered primary school, because normal people are almost married at the age of 25 or 6, and they are about 30 years old when they get married late. It's normal to have a baby a few years after marriage. When the children are older, the income structure will gradually stabilize, and it is not so reliable to rely on wages all the time. 10 years have passed, and you entered the society at the age of 25. If you don't have any property at this time, it may be really unreasonable You don't have the cash to buy a house, but you have a house. At this time, you should gradually consider some investment directions.
At the age of 30, you should start to learn financial management and stock fund gold, which are three common and relatively safe investment methods. For example, futures trading is basically a block trade, which is beyond the reach of ordinary people. National debt can also be considered, but generally speaking, it is difficult for us to buy and rob. After all, it is guaranteed by the government's fiscal revenue and tax revenue, and there is basically no risk, but the return is higher than the bank deposit, so we just can't grab it. You can take all these investment methods into account to form a relatively stable investment structure, rather than a single one, because eggs are not put in the same basket, which is a truth that almost everyone knows.
A normal investment structure should be that insurance accounts for about 10%, bank deposits account for about 30%, stock funds account for 30%~40%, and the rest should be 10%~20% of working capital, which means you can't put all your money in, so you should have some working capital on hand. If there is any urgent need, those investments should be.