However, I believe that many pink-collar office workers do not agree with this statement. Especially in the financial and securities-related industries, there are more and more examples of women being inferior to men.

Just like when looking for a job, you will first measure your abilities and define your short, medium and long-term goals in the workplace as the direction of your efforts.

The same goes for investment and financial management. Female friends may wish to calmly evaluate their risk-taking ability first, determine their short-term, medium-term and long-term financial management goals, and access information with an open mind, so that they can easily start financial planning.

Aiming to be independent There are many benefits to being a single woman, and all financial management can revolve around your own needs.

As far as short-term goals are concerned, annual overseas travel and shopping sprees are the favorites of almost 80% of pink-collar workers.

This part of the capital demand is due to the tight expenditure time and the relatively fixed travel costs, so the principal should not bear too much risk.

Therefore, when choosing investment products, you should focus on stock funds with more diversified risks.

If the investment time is short, balanced and portfolio funds are also good choices, because balanced funds can dynamically adjust the proportion of stocks and bonds in response to market changes.

The fund of funds pursues an absolute return strategy and aims to provide stable profits every year, making it an ideal choice in the era of low interest rates.

It can be redeemed and cashed out at any time depending on the amount of travel expenses.

The mid-term goal of pink-collar workers is generally to accumulate a down payment for a house.

Whether single or married, a house is a place where dreams come true.

The realization of dreams relies on economic strength as the backing. The bigger the dream, the more funds must be prepared.

The general principle is: the monthly loan principal and interest payment amount should not exceed 1/3 of the income, and the house purchase amount minus the loan amount is equal to the medium-term financial management target.

The investment tools in this part should be mainly active funds, and should be combined with single investments and regular investments.

Regardless of the ups and downs of the market, a fixed monthly amount will be deducted; in addition, depending on the market conditions, funds with greater growth potential will be invested in a single subscription.

The long-term goal is to prepare sufficient retirement funds.

Because this part takes a long time to prepare, the goal can be achieved through regular quotas.

It should be reminded that you must start preparations as early as possible. If you expect to have 1 million in 15 years, with an expected annual return rate of 8%, you will need to invest approximately 2,870 yuan per month.

The earlier you start investing, the longer the investment period will be due to the compound interest effect, and the smaller the amount you need to invest each period for the same goal.

As for investment tools, when you are young, you can take higher risks, and you can focus on technology stock funds; as you grow older, gradually increase the proportion of fixed income instruments.

Risk avoidance is indispensable. Single people’s source of income depends on themselves, so they should make good use of insurance planning to avoid risks.

Different from married people, single people should focus on life care, especially protection for those who lose the ability to work or unfortunately suffer from major illnesses.

Occupational disability, hospitalization, critical illness and accident insurance are the parts that should be emphasized.

In addition, you can also borrow term life insurance with lower premiums to prevent the "white-haired person" from sending a "black-haired person" and provide your elderly parents with safe protection.

In addition, another common risk for single girls is that they are prone to being too good to themselves and have low consumption control, and are prone to being unable to make ends meet.

The advice in this part is: you must invest first, save first, and then spend every month.

After deducting the scheduled amount for daily necessities and other consumption from your salary, the remaining money is saved in the form of lump sum payment or regular fixed amount; it is best to keep accounts and adopt "monthly total amount control".

How should women manage money?

Women's financial management should be "busy but not chaotic" Generally speaking, there are certain advantages for women to manage the family's finances. Women are more careful and are not as lavish with money as men.

However, there are many chores in the family, and some women still go to work while taking care of family affairs. In addition, all aspects of family investment and financial management are not properly arranged, and the family will definitely be in a mess.

Therefore, I suggest that women, in addition to arranging daily family affairs, should be "busy but not chaotic" in family financial management, plan family assets reasonably, and live within their means to ensure that the daily life of the family is carried out in an orderly manner. The family must also have savings and a certain amount of cash.

flow to prepare for family emergencies.

Women should "listen to suggestions" in financial management. Many women like to follow the crowd when it comes to family investment and financial management, and often follow their relatives and friends to carry out similar investment and financial management projects.

For example, if you hear that a relative has purchased a certain stock and the income is very high, you will blindly follow the trend and buy it regardless of your family's risk tolerance. This will eventually lead to the loss of family assets and even affect the relationship between the couple.

Therefore, I suggest that women should “listen to advice” when it comes to financial management, especially from people or experts with experience in investment and financial management.

In addition, women should also learn to use some free consultation resources on family finance to help you manage your finances, identify problems in family finance, and obtain professional investment and financial solutions, which can help women manage their family finances well.