Generally, the elderly will be more leisure after retirement and save a little more or less. In order to improve their quality of life, some elderly people will want to make money through financial management to reduce their children's family pressure. This idea is very good, so how to manage money is better for the elderly? What financial management methods are suitable for the elderly? I have prepared relevant contents for your reference.

1, wealth management products

Wealth management products are divided into low risk, high risk and medium risk. Among them, the income of low-risk wealth management products is relatively stable, which is more suitable for the elderly, because the risk is small and the income is relatively stable.

For example, at present, there is basically no big fluctuation in the wealth management of Alipay wealth management products. Compared with high-risk wealth management products, the security is higher, but the income is slightly lower, because the risk and income are relative.

Followed by low-risk wealth management products, such as the stable wealth management products in Alipay, which are well-known and directly operated by institutions. The stable wealth management series generally refers to short-term bond funds and short-term pension security wealth management products.

2. National debt

Generally, most elderly people prefer treasury bonds, which are mainly safe, issued by the state and guaranteed by national credit, and are safer than deposits. Secondly, the interest rate is high, the risk is small, and the possibility of loss is basically small. Generally, it is better for the elderly to manage their finances steadily.

However, national debt also has disadvantages, that is, it cannot be purchased at any time, and it has time to issue. In addition, the national debt has a term and its liquidity is not very good. So we should also pay attention to this. If we don't need it for a long time, we can save some National Day debt.