1. How to make financial management strategies in the early twenties?

When you were in your early twenties, you were anxiously shuttling through various seminars to find a job, working hard as an intern and working overtime, and getting your first salary excitedly? At that time, your income was not high, your desire for consumption was not small, and the concept of saving money was basically absent. But soon you realize that there is only goodbye? I'm drunk by myself? Life, to arrive faster? Poetry and distance? .

If you spend money to invest in yourself and make a financial strategy in your twenties, you can decide your life. When you finish your student career and start your career, you may consider many job opportunities. Because this age is the stage of your rapid growth, it is urgent to improve your own value and increase your income. If you have extra funds, you can try to invest in safe and reliable Internet financial products.

Stage characteristics: income: increasing gradually; Expenditure: low consumption power; The first task: save money first, save if you can, and accumulate original capital; Risk tolerance: strong.

How to make a financial strategy at the age of 2, 3 to 45?

The financial management strategy can be combined with P2P, funds, stocks and insurance.

At this stage, you have a relatively stable job, become a family, become a parent and have some savings. Assets and investment and wealth management brought by assets have gradually accumulated, while mortgage and consumer spending have also increased significantly. Therefore, we must diversify asset allocation at this stage.

according to your risk tolerance, part of it should be put on aggressive wealth management products. Such as stocks and equity funds. The other one should be put on defensive products with lower risk. Such as P2P, insurance, stocks, money funds, etc. As for the proportion, it depends on your ability to take risks.

Stage characteristics: income: rapid growth; Expenditure: it is more reasonable and purposeful, and the burden of mortgage liabilities is heavier; The first task: optimize the asset allocation structure, achieve steady growth of wealth, and improve family security; Risk tolerance: strong.

2? How to make a small series of financial strategies for 45-year-old people is here. I hope everyone can learn more about this aspect and learn more about financial strategies. Xiaobian will continue to update.