End single life, start a family for 1-5 years, get married and have children, increase economic income and live a stable life, and pay attention to reasonable arrangement of family construction expenses. Expert financial advice: 50% stocks or growth funds, 35% bonds and insurance, and 65,438+05% current savings. Insurance can be term insurance, accident insurance and health insurance, with low payment.
Children have been educated for 20 years, and their education and living expenses have soared. Expert financial advice: 40% shares or growth funds, but more risk avoidance is needed, 40% deposits or national debt are used for education expenditure, 65,438+00% insurance, and 65,438+00% family contingency reserve arrangement.
Family maturity 15, children work until retirement, which is the peak of life and income, suitable for accumulation, and the focus can be on expanding investment. Expert financial advice: 50% stock or stock fund, 40% regular savings, bonds and insurance, 10% family emergency reserve. When approaching retirement, the proportion of venture capital should be reduced, and the insurance should focus on pension, health and critical illness insurance, and an appropriate pension plan should be formulated.
After retirement, the investment and consumption are conservative, and the principle of financial management is health first, wealth second, mainly aiming at stability, safety and value preservation. Expert financial advice: 10% stocks or stock funds, 50% fixed deposits, bonds and 40% current deposits. Those with more assets can legally avoid taxes and transfer their assets to the next generation.