First, the enhancement of young people's awareness of financial management Speaking of the previous post-80 s and post-70 s, when they first worked, they had no financial awareness at all. They only know how to save money, and then they open a passbook to save money every month. Many years later, they will have a bank and interest. But at that time, people would not buy funds, because the understanding of funds as a financial product was not attractive enough. But now young people have a strong sense of financial management, and they also recognize that funds are a product. So I choose to put my money in the fund, hoping to realize the income through my own ability. The interest rate in the bank passbook is not attractive enough for young people. Perhaps it is attractive only if the fund can guarantee appropriate risks and get a higher rate of return.
Second, more and more young people are entering the workplace. What they see in the workplace now is the post-90 s and post-00 s, and with the increase of wages, the material conditions have improved. Many young people can save 65,438+10,000 yuan in one year's work, but they can't buy a house with their money, and they will lose money if they don't manage their finances. Coupled with the fact that young people are good at learning, and most of them have experienced the strong learning ability of higher education, the fund, a product with low risk and stable yield, has been sought after by people. In the final analysis, the demand has increased, and the most fundamental reason for the increase in demand is that young people have money.
Third, the rise of Internet financial products Young people still prefer to use mobile phones. Everyone will call again and again, or talk about the securities market and see the fund. Therefore, fund products have also appeared on major mobile phone platforms, which also allows more young people to operate with mobile phones, and the investment method is more convenient.