&Nbsp Is The Master Of The Little Devil, And The Four Recruit Deals With "Lucky Money".

During the Spring Festival, young children received more or less.

Buy exclusive financial products

In the near future, investment promotion

According to Zhang Huibin, assistant general manager of the retail department of the China Merchants Bank, this product is only issued for the children of the gold sunflower card customers of the China Merchants Bank. The products should be purchased by the children's cards, and the children themselves need to be present when buying them.

"Every one of us is in the economic wave. For children, the ability to manage money is actually survival ability.

China Merchants Bank has always been concerned about the financial and business education of VIP customers' children. This issue of lucky money is exclusive to children, and it requires children to purchase their own accounts, so that children can get to know more about financial instruments, cultivate financial awareness earlier, understand money correctly, and learn to use gold money.

He said.

Children account management

Just after the new year, Arzu, a white-collar Beauty, took the time to go to the bank and set up a child savings account for his 7 year old son.

"With a bank account, it is convenient to remind the child to save money regularly, tell him the concept of interest, and the knowledge, methods, types and interest rates of bank savings."

She said.

It is understood that at present, most banks such as ICBC, China Merchants Bank and Everbright Bank can set up children's accounts.

In addition to the basic deposit and pfer functions, the bank's child account also has the function of saving management.

Parents can pfer a certain amount of money to the account every month through fixed payment, as a child's savings and savings, and pay attention to the changes of children's accounts in real time through online banks, so as to guide children to make rational use and manage their pocket money scientifically.

Yi Shoumei, senior financial manager of Huaxia Bank, has set up a children's account for his children to guide their finances.

"Opening a children's account to enable children to own and manage their bank accounts from childhood has great help in fostering children's financial intelligence."

She said.

Buying gold for a long time

During the Spring Festival, the gold market in Jiangcheng was unusually hot.

Whether it is investment gold bars, or new year's gold bars, gold coins, etc., are all sought after by consumers.

"Now is the era of negative interest rates, deposits are not cost-effective.

Some of our customers buy a gold bar every year for children, which has both commemorative value and value preservation function.

When children grow up, these gold bars are a great asset.

Liu Zhaoming, chairman of Wuhan gold eternal company, said yesterday.

Liu Zhaoming said that guiding children and parents to invest in gold assets will not only increase the value of gold, but also prevent children from wasting money.

"Gold is poor in liquidity, suitable for long-term investment and is not suitable for short-term holdings."

People reminded.

The fund is scheduled to make a long line.

Financial experts said that every year the children's lucky money can be divided into 12 parts, and parents can make up for long-term fixed purchase funds when they are not enough.

According to estimates, if the child still has 10 years to go to university, the rate of return for the past 18 years will be 8% for the simulated fund of the Shanghai Composite Index. The parents only need to invest 545 yuan a month, with a total investment of more than 60 thousand yuan, so that they can prepare 100 thousand Yuan University Education Fund for their children.

"In specific operation, we can talk with the children in advance. If the money is not spent for a single time, it can be continuously increased through the fund's fixed investment.

And the money is his own. His parents only act as agents, and children are more receptive. "

Bank financial manager Xu Shi said.

Bank financing experts suggest that parents can mobilize children to participate in the process of selecting funds, introduce financial knowledge to them, and cultivate their financial quotient from an early age.

Generally speaking, money based funds have lower returns and are more suitable for short-term investments. Bond funds have moderate risks and good returns, which are suitable for conservative customers.

Partial and equity funds are suitable for radical customers because of their volatility.