The first kind of fresh social groups, young people who have just entered the society have no savings, so the more such groups have higher requirements for the value-added wealth, because they have no burden in life and strong ability to resist risks, so stock funds are very suitable for this group. In order to force these young people to invest and reduce unnecessary consumption, financial experts suggest that they use regular and fixed fund investment methods. ? The second category is the married people. The characteristic of this group is that after getting married and having a family, although the income of both husband and wife has increased, all the previous family savings have become the down payment of the house, and they still need to repay the housing loan every month, and the burden will be heavier. Therefore, financial experts suggest that this group of people strengthen cash management, adopt the business of "automatic valet subscription", invest part of the family's spare funds in monetary funds, and invest the monthly savings in stock funds or hybrid funds in a fixed way. ?

The third category is the middle-aged people with a well-established career. These people have a successful career and a certain amount of savings. The main purpose of investment is to preserve and increase their value to make their old age more secure or to prepare their children for a better university. Financial planners suggest that this group of people find professional financial planners in banks to make special investment plans and make rational allocation of property in various investment varieties such as insurance, funds and real estate. ? The fourth category is people who are close to retirement or have retired. The income of these people has decreased, but their savings are more, and the demand for security has increased. Financial experts suggest that this group of people should invest in a stable way. Most of the money used for pension reserves can be invested in bond funds and monetary funds, and hybrid funds and equity funds should be considered when there is surplus.