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45 years old, 65 years old, how to manage money at different stages of life

First, the financial management methods of people around 45 years old: By middle age, people have experienced various experiences in the workplace and career, have a certain financial foundation, and have mature investment and consumption concepts.

At the same time, various issues such as children's education, parental support and even one's own health management have also begun to arise.

Therefore, the focus of financial management at this stage is to choose diversified asset allocation methods to obtain more returns and achieve rapid wealth appreciation on the basis of ensuring daily expenses and insurance protection.

Since there was sufficient capital accumulation during this period, financial income was also relatively generous.

Most of the expenses are spent on improving life and protecting expenses.

For investment and financial management, the first task is to balance investments with different risks and achieve both offense and defense.

As for specific financial products, you can consider bank financial management, treasury bonds, Internet financial management, and fixed investment in high-quality funds.

In order to avoid major investment risks, the proportion of high-risk investments such as stocks, gold, and real estate must begin to be reduced to prevent the tragedy of "having been busy for most of your life, but once you make an investment mistake, you will return to before liberation."

Second, when you are about 65 years old, the safety of funds is the primary consideration at this age. This is the most important factor in ensuring the quality of life in your later years.

At this age, we have begun to enter our old age.

After retirement, most of the income will come from retirement salary and financial income, and daily life income and expenses become relatively fixed.

In terms of expenditures, apart from necessary living and entertainment expenditures, there are not as many places to spend money at this stage as before.

If there is one place where you might spend a lot of money, it is without a doubt that you are sick and need to be hospitalized.

Therefore, the focus of financial management at this stage is no longer the pursuit of high returns, but mainly the steady appreciation of assets.

During this period, low-risk defensive investments such as treasury bonds and non-structural bank financial management should be the main focus. Medium- and high-risk investments should be reduced or avoided as much as possible.