Financial Men And Women Are Different: 30 Year Old Father First Buy Insurance, Re Fund Fixed Investment

30 year old father first bought insurance and re funded.

For the 30 year old father, Ding Wenjin, a Dongguan Securities researcher, said that they are generally in good physical condition and risk tolerance, and pursue fashion. In order to improve their quality of life, they often need larger family construction expenditure, which is the backbone of social consumption.

Financial advice: Ding Wenjin suggested that for 30 year old young fathers, first of all, buy for yourself.

As for how to invest, Ding Wenjin suggests that online banking can be opened, and 10% of the monthly salary will be paid for a one-year period.

In addition, young people have strong risk tolerance. They can set up a stock account and decide the amount of investment according to their own circumstances.

If the risk tolerance is low, the long-term investment trading index fund (ETF) can be considered.

For the father of 40 years old, Cai Yanwu, an international financial manager of Dongguan branch of China Merchants Bank, told reporters that these fathers are generally senior managers in the enterprises. The economy and life style tend to be stable. The children are the center of the family, education is an important expenditure, and there are certain requirements for the quality of life.

Financial advice: because these fathers have certain economic foundation, Cai Yanwu suggests that fathers can appropriately increase the disposition of risk products.

We can configure stocks, funds, private equity funds, equity investments, foreign exchange, gold and other products, but the proposed allocation ratio does not exceed 70% of household disposable assets.

In addition, as children grow up, it is time to conduct a check on their children's education fund.

If preparations have been made, the fathers will check whether the funds available at that time can meet the educational expenses of the children at the university level. If they are not yet ready, it is suggested that, according to the age of the children, they can choose the annual payment or fixed term insurance products or funds.

Finally, we should prepare for retirement pensions and keep healthy.

According to Cai Yanwu, the most suitable products for fathers of this age group are insurance products with significant diseases.

50 year old father's assets are valued and investment safety is emphasized.

For a father who is about 50 years old, his father will have his own living space because his children are growing older or adult.

At this stage, the father has a large amount of money, but the risk is low.

Financial advice: Ding Wenjin suggested that we could choose paction type index funds, credential bonds and other low risk varieties.

In addition, while maintaining sound investment, we should also maintain a certain amount of cash to meet the needs of children who have no economic foundation in the adult age, medical or other family emergencies.

Cai Yanwu said that a 50 year old father should adjust his financial structure, and venture capital investment does not exceed 50% of household disposable assets.

Increase investment in fixed income products.

At the same time, we should start to prepare ourselves for the health of our spouse, buy some serious diseases and reduce the burden for our children.

A careful woman is a born financial expert. If he is willing to spend his mind, he can make a clear account of the family and the surrounding life and become a real financial treasure who can really get the real money.

"She" financial age determines different ways.

20 year old finances start with mandatory savings.

Xiao Chen, 28, now works in the Sichuan branch of ICBC.

Xiao Chen said he was a typical "moonlight clan" in his first year of work, and spent his income every month.

Financial core: for the goddess of the moon, only under mandatory savings or rigid financial expenditure, such as mortgage or insurance expenses, can we reduce unnecessary expenditure.

Financial advice: young women should budget every month's necessary expenditures and record them in detail.

In order to get married, buy cars and buy houses, start saving and investing.

For the "moonlight clan", we must force savings.

30 years old, before investing in finance, stay at home.

Ms. Tao is a senior executive of an investment consulting company.

She said that middle-aged women like her, who are about 30 years old, usually shoulder the multiple responsibilities of caring for their families, husbands, children and supporting their parents. Therefore, risk awareness should be strengthened.

Financial core: 30 year old women, career achievements and financial has accumulated to a certain level.

At this stage, women spend most of their money on buying houses, buying cars and investing. Women with children are more likely to prepare their children's education funds.

Financial advice: for the 30 year old women, in the current market environment, the guaranteed bank financial products should be one of the choices; and those women with strong risk tolerance and investment experience can make some fund allocation.

In addition, it is suggested to raise funds for children's education by means of regular quotas. The investment period of the children's education fund is usually more than 15 years, and the fund with growth value is invested every month and held for a long time.

40 year old middle-aged women should learn to be selfish.

This age group of female customers always consider how to configure insurance for their children. In fact, such a practice is wrong. If parents do not have enough protection, the child will lose the most important protection and dependence if there is an irresistible accident.

Financial advice: Sun Hongmei, an investment adviser to an insurance company, said married women usually have long-term plans for life. Generally speaking, medical care, accidents and other protective products should be considered first, followed by pension and investment products.

After 50 years old, please leave my line of sight.

Aunt Lee was the financial director of a real estate company before retiring.

Aunt Li said that her family's investment now only had bond funds, treasury bonds and savings. "At the age of more than 50, they should start enjoying life, and the stock should not be touched like this."

Financial advice: at the age of 50, women begin to pition to old age.

During this period, financial planners advised women to focus on major diseases insurance, medical treatment, hospitalization allowance insurance, life insurance and endowment insurance, and to see what shortcomings they had, and quickly replenish them.

Due to the gradual decline of physical function after 50 years of age, it is necessary to prepare all kinds of medical expenses that may be used in advance.