Middle-aged and elderly people are older. After years of work, they usually have some savings. If they can make good use of them, they can earn a good income. So how do people over 6 manage their finances? What are the wealth management products suitable for the elderly? For this problem, we have prepared relevant knowledge for reference.

1. How do the elderly over 6 manage their finances?

the financial management of the elderly over p>6 years old should put the safety of funds in the first place, the second is the expected income of wealth management products, and the third is to consider the liquidity of funds. These three aspects need to be taken into account. To make rational planning and scientific financial management, we can combine investment and optimize products, focusing on stability.

conservatively speaking, time deposits in banks are more suitable for people over 6. Different wealth management products have different risk levels and investment directions. For complicated product specifications, many elderly people are in a fog. Bank deposits, on the other hand, are different. This is the way they are used to managing money. The information of deposit products is clear at a glance, and the principal and interest within 5, yuan are absolutely safe.

certificates of deposit: certificates of deposit guarantee the principal and interest, the annualized interest rate is higher than that of bank time deposits, and the liquidity is stronger than that of bank time deposits, because certificates of deposit can be transferred and mortgaged. However, the starting point of certificates of deposit is relatively high, and the minimum starting point for individuals is 2,. The starting points of different banks are different, and the starting points of two-year and three-year periods are different.

Second, the financial products suitable for the elderly mainly include: 1. Savings-style treasury bonds

Savings-style treasury bonds are issued by the state, with less risk and higher security. Generally, there are two types: three-year and five-year periods, which are more suitable for middle-aged and elderly people to manage their finances. Just pay attention to the fact that its liquidity is not so good that it can't be deposited and withdrawn at any time. In addition, the issuance of government bonds has time and can only be purchased during the issuance time.

2. Money funds

Most of the investment targets of money funds have high safety factors, such as government bonds, central bank bills, bank time deposit certificates, short-term government bonds, etc. Therefore, the risk of money funds is very small, and they can also become an investment method for the elderly over 6 years old.

3. Fixed fund investment

Fixed fund investment is to invest a fixed amount at a fixed time, which is favored by many people because of its small risk and stable income.