Choose financial management methods according to age and income: women should make steady preparations for family and pension, so the pursuit of stable income should be the main investment line running through women's investment and financial management. But generally speaking, women's income will increase with age, so the financial planning of women of different ages should also change:
20-30-year-old living within one's means stable savings: women in this age group have a strong desire to spend and are easy to become; Moonlight clan; . Financial planners suggest that making full use of electronic banking management and electronic bookkeeping software of bank cards can largely avoid the bad habit of random consumption. In addition, the regular open-end funds launched by banks with the function of lump-sum savings deposits and the money market funds without regular interest-bearing wealth management products can all realize the savings plans of women of this age group.
30-40 years old to protect family assets: women are the leaders of family financial management. Female investors in this period, family is the focus, and they have a certain savings base. How to increase savings and protect family assets has become the primary goal of investment and financial management. Financial planners suggest that in the current era of negative interest rates, while increasing stock investment, female investors can choose to allocate more stable financial products such as bond bank wealth management products to lay a solid foundation for family wealth; Pyramids; The foundation of.
Over 40 years old, keep the word steady first and avoid risks: for women over 40 years old, the guarantee of old-age life is the biggest problem. In addition, they also face the pressure of funding for their children's education. Therefore, financial planners suggest paying more attention to the preservation of assets and taking anti-inflation as the main goal. During this period, the investment proportion of some stock products can be reduced, and the proportion of fixed income products can be appropriately increased. You can choose a combination of fixed investment and single investment, and the investment target is mainly fixed-income products.
point out
Female friends over the age of 30 should take insurance as the basis of investment to achieve the greatest protection for their own health, but they should avoid misunderstandings, ignore their own economic situation, treat insurance as financial management, and unilaterally pursue income while ignoring the protection function of insurance. Financial planners suggest that female friends, especially those who work in non-public institutions or private enterprises, should pay more attention to buying insurance such as medical care and old-age care to achieve reasonable protection of life.