1. There are restrictions. Minors under the age of 18 can buy funds, but only they have bank cards. If they don't have bank cards, they can't buy them. Users over the age of 18 can open bank cards, work certificates and income certificates in banks. If there is no proof of income, they can only be handled by the guardian relationship.

2. In addition, minors usually have to evaluate the purchase funds first. If users have a lot of money, they should also review the source of income to prevent suspected money laundering. If it is only a small fund, you can buy some low-risk funds.

3. Generally speaking, financial products with corresponding risk levels can be purchased after operational risk assessment, but there will be category restrictions and channel restrictions in the purchase of products by elderly customers under the age of 18 (over 65 years old) and underage customers.

4. Insurance naturally has an age limit. Whether it is serious illness insurance, medical insurance, accident insurance, life insurance or financial insurance products, there are age requirements. If you are over age, the insurance company will not cover it. However, the age limit of different insurance products is different. Among them, serious illness insurance, medical insurance and life insurance will be relatively strict. Generally speaking, they only support people aged -65, while accidental insurance is relatively loose, which can support people aged 8 at most. The specific age limit should be subject to insurance clauses.

1. Of course, the protection of insurance products needs to be insured as soon as possible. On the one hand, high quality is cheaper, on the other hand, they can enjoy insurance protection earlier. In addition, young people will have fewer health problems and underwriting will be easier to pass. Therefore, it is usually easier to buy insurance.

2. It should be pointed out that if you plan to buy medical insurance for children, the insurance price for children aged -4 will be relatively expensive, because children at this stage have incomplete sports development and weak tolerance, so the risk of disease is high, which leads to medical insurance being more expensive than that for children aged 5-17.

3. Although banks do not explicitly impose certain restrictions on the age of investors, many banks may have a product category and product category and channel restrictions for investors under 65 to avoid risks.

for example, many banks stipulate that if minors want to buy bank financial products, they can only buy products with R1 and R2 risk levels, and usually need to accompany their parents to conduct risk assessment and other subscription procedures.

I hope I can help you.