There are different types of funds, and different types of funds have different risk-return characteristics, which are suitable for investors with different risk preferences. Everyone's situation is different and their investment preferences are different. For the same person, when he is in different age stages and different life cycles, his investment needs are also different.

Next, we take the life cycle as a clue to teach you to rationally understand the investment needs and investment points in different years.

youth

These people may still be college students and graduate students at school, or they may be "migrant workers" who have just entered the society.

In my twenties, I worked hard for my future and dreams.

This kind of people is the initial stage of shaping the scientific concept of financial management. In this period, more people want to fully enjoy life and live in the present, so a large part of them are "moonlight clan".

But often in such a period, it is necessary to plan ahead and develop the habit of investing. A great feature of these people in investment is that they can afford losses, so they generally have a higher risk preference.

Therefore, we can pay attention to equity assets with higher expected risks and expected returns, such as partial stock funds and index funds. If we consider it in the long run, we can also pay attention to some long-term closed products or active strategic pension fund.

Through such investment, these people can be helped to pay attention to their own hands and enjoy the charm of saving and investment.

Middle-aged with responsibility

Most of these people have married and established their families, and they are in a state of old age and small age. Their parents are getting old and their children are thriving. The family responsibilities on the shoulders are heavier.

Compared with the despair of youth, such people will have more concerns.

Therefore, for these people, the focus of financial management is to consider the balanced allocation of assets. In terms of investment, we hope to gain profits while taking smaller risks. In the long run, it is also necessary to maintain a certain liquidity.

We can find a balance between equity products and non-equity assets. It can not only pursue the appreciation of wealth, but also be used to deal with unexpected needs in life. For example, fund products with "+"strategy are the core, and some stock funds and index funds are satellite allocation strategies.

Mature elders approaching retirement

Most of these people are facing retirement. In their fifties and sixties, if they have children, most of them have their own lives.

Therefore, the focus of these people's investment and financial management is to consider the future pension problem, and the risks they can bear are relatively low. We should adopt a conservative and steady strategy to achieve a guaranteed old age.

For this part of the population, we should focus on the products of "+"strategy, reduce fluctuations and strive for some benefits at the same time, and choose the products of "+"fund based on steady strategy.

I hope the above contents are helpful to you.