People of different ages and consumption levels also have different demands for financial management.

To this end, the author has recently consulted professional financial planners from several banks in Xiaoshan District and asked them to give us some advice.

Young people: focus on cultivating the habit of "saving money". "Different people, different quality of life, different personalities and other factors, of course choose different financial products." Financial management of Xiaoshan Industrial and Commercial Bank (601398, market, information, main trading)

Master Guo Fei said that what suits you is the best, and the most taboo thing in financial management is to blindly follow the trend.

Young people have just started working, their income is not high, and they have very little idle funds. Especially when facing large purchases such as buying a house, they often prioritize making money.

Therefore, the most important thing for young people is to save money.

Open source can be ranked second for now.

Pay attention to balancing the difference between consumption and income, and strictly control monthly expenses, especially distinguishing between necessary expenses and non-essential expenses.

Middle-aged people: The focus is on the capital market. Compared with younger people, middle-aged people who have started a family and have a certain economic foundation and capital savings can reduce their bank deposits, treasury bonds and other financial products, and consider investing more funds in the capital market.

Middle-aged people should reduce bank deposits and increase investment in capital markets, such as stock funds.

It is recommended to control the asset position and invest generally between 40-50%.

Bonds and bank financial products can be controlled between 30-40%, and the remaining funds are reserved as working capital to obtain certain returns by investing in financial products such as money market funds.

In addition, you should also choose some liquid or short-term financial products.

Elderly people: Financial security is the key. "For the elderly, I think the security of funds is the most critical aspect of financial management." Guo Fei said, "After all, for them, retirement comes first." On the premise of ensuring safety, it is still possible to

Make some flexible configurations as appropriate.

Last year, my country's CPI inflation rate was roughly 6%.

According to this, when the elderly make investment and financial portfolios, they must allow the annual growth rate of funds to be greater than 6%.

But in addition to bank deposits and treasury bonds, the elderly should allocate funds reasonably, and can also invest a small part of their money in more "radical" investments, such as stocks and funds, to increase the income of the elderly.

The most important thing is to control the proportion of funds invested, not too much. The elderly must not use high-risk investment methods such as stocks as their main means of profit. This is not good for their health.

In addition, the elderly can also appropriately choose project trust products launched by banks based on their own circumstances, which are relatively safe at present.

In addition, the elderly can invest in an investment method similar to "reverse fixed investment".

In short, it is to invest a sum of money now to invest in products with good returns such as funds, and redeem it regularly.