Family Wealth: China'S Aunt Is No Match For Chinese Uncle?

China's family wealth 60%-70% is in the hands of middle-aged and elderly women aged 30 to 60.

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 finance. They understand a reason that you do not pay money or money to ignore you. Although most of their investment will lose money, who will like to be scolded?

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 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.

The stronger the desire, the higher the age of the 26-35 year old group is by nearly 9% than that of the 46-59 year old age group. That is to say, the Chinese elder sister is better than the Chinese aunt.

If the younger age is, the stronger the desire to invest is, the same is true for men and women. It can be explained by the younger generation of Internet generation cock silk. Children's wealth management products arouse the interest of public finance to explain, so how can we explain this forty?

Is it a valuable discovery to dominate family wealth, especially large investments? Is it a valuable discovery? We can totally believe this conclusion.

However, if we further study the survey data, our findings are not optimistic. In fact, the investment intention of investors in the end of 2014 and the survey at the end of 2013 will decrease as a whole. The data in the previous year will be 68%. The number of investors in the previous year will be only 58.8%, and the decline will be almost 10 percentage points.

This is probably the inevitable reflection of the long-term bear market in the A share market in China.

From 2007 to 2013, in the 7 consecutive years, the public funds were ranked first in the classification of investment, but by 2014, the ranking of the fund fell 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 changes in the fund,

The investment aspirations dropped from 24% in the previous year to 17%, ranking from third to fifth. The more prominent changes are also reflected in the choice of gold. In the last year's ranking, gold ranks second among funds and stocks.

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 have increased, and the national debt has increased from 16% to 21.2%.

The change of investment is so intense and the consumption change is very huge. In the Chinese family's consumption tendency ranking, household appliances ranked first in 7 consecutive years, but fell to the seventh place in the latest survey.

In the top five products, except for third of the houses, the rest are soft consumption. Tourism is in second place, cultural entertainment is in fourth place, fifth is training and education, and the top priority is other uncertain 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, and those who know the times are the best.