Investment And Financial Management: China'S Aunt Is No Match For Chinese Uncle.

The situation is so, in the concept of water skin, the wealth of Chinese family 60%-70% is in the hands of middle-aged and elderly women aged 30 to 60 years old.

Knowing this rule, you can understand why most of the participants in the investment reports will be Ban Lao Xu Niang. They really are not rushing to that gift. They really need to invest in financial management. They understand a reason that you do not manage money or money, even though most of their investment will lose money, but who will like to be scolded by those who have been defeated?

This is, of course, an important reason for the "Chinese mother" to become a noun. Like the Japanese Watanabe Oota, China's aunt can be a symbol of self willed money.

However, it must be pointed out that.

However, according to authoritative survey data, in fact, the index of Chinese mothers is not the strongest in terms of men and women and age distribution, and the strongest indicator is the Chinese elder sister.

CCTV's "China social and economic survey" has been held for over 9 years, covering more than 100 thousand households. Data show that in different ages, except for 36-45 years old, other age groups, whether 18-25 years old or 26-35 years old, or 46-59 years old or over 60 years old, all have higher willingness to invest than men, and men are higher than women only forty.

Why?

Who knows? The younger the age.

The stronger the desire is, the more men and women are alike. It can be explained by the younger generation of the Internet generation cock silk. The baby financial products stimulate the interest of the masses to explain. How can we explain this forty period? Is it not a valuable discovery to dominate family wealth, especially large investments? Is this a valuable discovery? We can totally believe this conclusion.

However, if we further study the survey data, our findings are not all optimistic. In fact, compared with the survey conducted at the end of 2014 and the end of 2013, investors' overall willingness to invest is generally declining. The data of the previous year is 68%. The number of the previous year is only 58.8%, and the decline is almost 10 percentage points. This is probably the inevitable reflection of the long-term bear market in China's A share market. From 2007 to 2013, the public funds were ranked first in the taxonomy of investment for 7 consecutive years, but in 2014, the ranking of the fund fell off to the bottom of the market, even for a long time in the position of vice squad leader.

It is not as good as that, and the ranking of financial products with long-term centring is the first place in 2014. The number has increased from 20% to 31%, far ahead of other investment varieties.

In line with the change of the fund, the stock investment desire dropped from 24% in the previous year to 17%, ranking from third to fifth. The more prominent change is also reflected in the choice of gold in the ranking of last year.

Ranked second in the fund and stock, in the new annual survey, gold has fallen from 27% to 14.5%, ranking from second to sixth, and the relatively stable investment varieties of national debt and insurance increased, with the national debt rising from 16% to 21.2%.

The change of investment is so intense and the consumption changes are very huge. In the Chinese family's consumption tendency ranking, household appliances ranked first in 7 consecutive years, but dropped to seventh place in the latest survey. In the top five products, except for third of the houses, the other ones are soft consumption. Tourism is second, cultural entertainment is fourth, fifth is training and education, and the top priority is uncertain other options, which is as high as 30.4%.

This may mean that the lack of consumption hotspots may mean personalized consumption, but it can be determined that the consumption pattern is being pformed from hard consumption of clothing, food and shelter to the consumption of soft drinks, which may become the next investment guide.

It must be pointed out that the survey is a reflection of lagging behind. Everyone is predicting the future based on the past. However, the market changes are unpredictable. It is wise to know those who serve the times and to take the opportunity.