Fathers of different ages have different financial management points and insurance skills due to their different priorities in work and life.

As this special day is approaching, sending your father a carefully prepared insurance and financial plan with "wealth and health" is the best blessing to them.

30 years old: Invest in stocks and don’t forget insurance. When you are around 30 years old, you become a father for the first time. Your career is in the initial stage of laying a foundation. You are facing the pressure of mortgage loan and raising children at the same time... The pressure of life is coming.

Case: Mr. Zhou, 33 years old, has a monthly salary of 6,000 yuan; Mrs. Zhou has a monthly income of 4,000 yuan; her son is 2 years old.

Mr. Zhou's family's property mainly consists of 80,000 yuan in deposits and nearly 30,000 yuan in treasury bonds.

Since the birth of a child, the family's basic living expenses have gradually increased, and the investment in the child's education will also increase year by year.

There is still a mortgage of 200,000 yuan that needs to be repaid.

Financial advice: Mr. Zhou’s family is in the growth stage, and his risk tolerance is above average.

The recommended proportion of financial asset investment portfolio is: 10% for protection life insurance, 30% for combined deposits and bonds, and 60% for stock funds and financial insurance.

When it comes to insurance, you should first consider the protection of accident insurance and critical illness health insurance.

Secondly, in order to prevent accidents, you can also choose consumer-oriented term life insurance with cheap premiums.

40 years old: children’s education and pension. Fathers who enter their 40s need to bear increasing family responsibilities: children need to go to middle school and college, and parents’ medical expenses are increasing year by year... The ability to bear risks is correspondingly reduced, and investments should be relatively conservative.

Case: Mr. Wang, 45 years old, business manager, monthly income is 12,000 yuan; Mrs. Wang has a monthly income of 6,000 yuan, and her son is 12 years old.

There are now 150,000 yuan in time deposits and 50,000 yuan in demand deposits, 150,000 yuan in treasury bonds and stocks with a market value of about 200,000 yuan.

The monthly household expenditure is about 6,000 yuan.

Financial management advice: In daily financial management, taking into account risk factors, the proportion of high-risk investments should not exceed 15% of the total household assets.

Among the bank deposits, the emergency reserve of RMB 30,000 can be deposited as a call deposit and can be used at any time; the time deposit of RMB 70,000 is used for the son’s annual education expenses, of which RMB 30,000 is deposited for one year and RMB 40,000 is deposited for three years.

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50,000 yuan of 3-year treasury bonds are used as education funds; 100,000 yuan of 5-year treasury bonds are used as pension reserves.

Stock investment is reduced to 100,000 yuan as a risky income growth point.

The 100,000 yuan cashed out is used to invest in funds, and allocation funds with relatively small risks are selected as education funds; pension funds have a longer term and slightly stronger risk tolerance, so some stock funds can be combined with allocation funds.

Invest about 20,000 yuan in premiums every year.

When choosing health insurance products, Mr. Wang may consider lifetime protection insurance, which not only provides protection, but also has the characteristics of long-term investment returns and flexibility.

50 years old: seek stability in investment and focus on medical insurance. Fathers in their 50s have successful careers and their income has also increased significantly.

As risk awareness increases, they begin to seek to reduce investment risks, accumulate pension funds, and plan for a quality retirement life.

Case: Mr. He is 54 years old, Mrs. He is now retired, and their daughter is 24 years old and already working. The three of them have a combined monthly income of about 14,000 yuan.

The monthly living expenses are about 4,000 yuan.

FamilyMart currently has time deposits of 60,000 yuan, demand deposits of 30,000 yuan, treasury bonds of 100,000 yuan, and capital guaranteed funds of 50,000 yuan.

Financial management advice: First, maintain sufficient liquidity as a basic reserve.

At the same time, savings should also be the main focus for future salary income and investment income, and sufficient cash flow should be maintained to meet possible urgent funding needs.

Mr. He can purchase a combined insurance that can add major diseases, and incorporate suitable insurance products such as basic medical insurance, hospitalization subsidy insurance, and accident insurance into the pension plan, and the annual premium expenditure should be controlled within 10,000 yuan.

In addition, if you hope to achieve a more ideal living condition after retirement, you can appropriately broaden your investment areas, such as growth investment funds, bank financial products, etc., but you should be very cautious about high-risk investment projects.