Financial Management Era "Wealth Girl" Develop Strategy

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There are many ways to celebrate the festival, but I wonder if the majority of women have ever thought about it.

20 to 30 years old: reasonable consumption and extensive grain production.

Women in this age group tend to have less working life and stronger consumption intention.

In the face of attractive advertisements and discounts, merchants are often tempted to change from "credit card holders" to "moonlight clan".

Over the past year, more and more commodities have been accumulated at home, and savings deposits are decreasing.

"Women of this age group should stabilize their savings rate, set up good savings habits and make reasonable expenditures."

A financial planner pointed out that making full use of the electronic banking management and electronic accounting software of bank cards can avoid the bad habits of arbitrary spending to a certain extent.

In addition, banks can achieve their savings plans through the zero deposit, deposit and deposit functions, regular open-ended funds, and daily interest rate money market funds and fixed term financial products.

Financial planners say that financial management should be a long-term plan throughout life. When young, with healthy body and energy, you can try a colorful lifestyle.

But with the growth of age, there is not a stable savings, to a certain extent, determines whether life is happy in the future.

30 to 40 years old: let assets fly.

During this period, female investors have already established their own businesses and have a certain amount of savings. At this time, how to make asset appreciation and escort family assets is often a key task.

Financial planners suggest that in the era of negative interest rates, women investors can choose to allocate more stable financial products such as bonds and bank financial products to build the foundation of family wealth "Pyramid".

"In the meantime, when the two sides exchange insurance mutually, they can choose some products of securities investment."

Li Ji, a financial analyst at Bank of communications, said.

He pointed out that because women retire earlier than men and have longer life expectancy, this means that their retirement time is shorter, but the demand for them is longer.

Women investors of this age group should make preparations for their pension early. The fund's fixed investment is a common investment channel nowadays.

It is worth mentioning that physical investment such as gold and silver was the highlight of last year's investment. However, on the eve of women's day, the turmoil in the Middle East led to a surge in oil prices, and increased demand for hedge and inflation expectations, pushing gold prices and silver prices to a new high.

Li Ji said that for precious metals such as gold and silver, because of their own cash in trouble, it is not suitable for old-age savings.

Over 40 years old: prepare for the old age to be stable.

As a matter of fact, in the eyes of many financial analysts, it is a steady way to prepare for the family and the old age, and to realize the "win-win" situation of the three aspects of consumption and investment between women and their families.

"Over 40 years of age, we should pay more attention to asset preservation, and inflation is the main goal.

This period can reduce the proportion of investment in some stock products, and appropriately increase the proportion of fixed income products.

Feng Tingting, managing director of the private bank of China Merchants Bank, told reporters that in the era of negative interest rates, it is obviously not a wise choice to put all the money in the bank.

Feng Tingting suggested that this stage of female investors can choose the way of fund investment and single investment to accumulate their children's university education funds and their own pensions. The investment targets are mainly fixed income products, and gradually reduce the investment in stock assets.