When people reach middle age, it is understandable that their ability to resist risks will decline, so we should appropriately reduce aggressive investment and increase steady investment.

So how to make a reasonable investment ratio is more appropriate?

First of all, when people reach middle age, their physical condition gradually declines. At this time, we should first pay attention to increasing the protection of medical care and major diseases for ourselves. The advantage of this is that you can ensure that the money you use to invest in financial management will not have to use the principal of financial management because of sudden physical condition. In other words, if we want our investment to continue in Qian Shengqian, we must ensure that our principal will not be plundered due to any other emergency.

After buying enough medical insurance and major illness protection for yourself, seek other stable investment products. Although bank wealth management is mostly conservative, after the new regulations this year, the rigid redemption of wealth management products in the financial sector will be broken, and even the safest products will have no capital preservation. Therefore, it is more important to see the specific use of product elements and funds when buying wealth management products, rather than simply choosing to buy them in banks.

When paying attention to product elements and the use of funds, we can first confirm that investment projects with state-owned enterprise background and government endorsement often have higher safety factors and more secure repayment sources. Of course, we also need to look at the cash flow of specific projects. If the purpose of raising funds for a project at this time is to invest in coal, no matter how high the income is, I still advise you to give up.

In addition, although for middle-aged people, the proportion of venture capital in stock futures should be appropriately reduced, the fixed investment of funds is still a good safe and stable financial management method. Choosing funds with excellent performance, long-term tracking and regular investment can steadily outperform inflation.

For more wealth management insights, please pay attention to the official account of WeChat WeChat: Krissy's growth diary.