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22 ~ 26 years old: the initial involvement of the "moonlight family" â—Ž financial characteristics of women in this stage are mostly single or ready to set up a new home stage, a considerable part of the women do not have too much savings concept, self-confidence, rate, "desperately Making money, spending money smartly "is its" motto ". Therefore, it is often heard that many young girls are quick to say that money is earned but not saved out of the province. While these statements are sensible, but to make more money, first of all need to have the ability to make money - in other words, invest yourself more than their own investment. In addition, the reserve wedding fund. Preparing Lifelong Events Generally speaking, the marriage fund is a short-term demand. Therefore, the proportion of time deposits and cash must be above 50% so as to maintain the stability of the funds. In addition, less than 50% of the funds should also be targeted at a steady investment in the type of investment tools. For example, a stable annual equity-type or steady-type fund products. â—Ž primary goal to improve "financial business." At present, women in this stage in China have relatively high level of knowledge. Women's consumer awareness is relatively strong, but not too strong sense of investment, lack of orderly investment plan, so need to improve "financial business." â—Ž Experts suggest that Sun Jiaqian, director of marketing of Franklin Capital Management Co., Ltd., pointed out that the young girls just entering the workforce have invested less but have not reduced their spending. Therefore, may wish to choose regular payment of binding financial products, such as fund fixed-term plan to stimulate it, tighten the moneybag. 26 ~ 30 years old: early as a woman's "clever woman" â—Ž financial characteristics just entered the two worlds of women, love nest, as the family income and membership increases, began to think about life planning. Therefore, the majority of women began to change drastically in spending habits, "Moonlight" habits began to be abandoned, investment strategy from aggressive to offensive and defensive. This is the most complicated period of financial management, personal financial management gradually transformed into family financial management. In the early days, in order to turn the family into a real safe-haven, we needed to manage family risk, establish a family risk management fund, and start selecting future guaranteed products such as insurance. You can also consider some of the more profitable investment wealth management tools. In general, home-based risk management should still be based on insurance and bank time deposits. â—Ž primary goal to learn "integration." Women in this stage have begun to have a sense of financial management, and family income is relatively stable. It is suggested that women should make financial planning as early as possible and spend more time discussing the financial plans after they have formed a family. They should be good at integrating the family resources and allocating them rationally. Experts suggest that South China University of Finance and accounting lecturer Zou Haiyan pointed out that the expenditure of a family is far greater than the spending of single aristocrats, so women should take precautions, early planning in order to maintain a balance of payments to ensure the high quality of life. The purchase of real estate during this period is the biggest burden on newlyweds, with the increase of family members should be appropriately increased life insurance coverage. At this time, both husband and wife income also gradually stabilized, therefore, recommended the choice of investment in high-yield funds, such as investing in industry funds with a steady growth of balanced funds. 30-35 years old: first half of the motherhood â—Ž financial characteristics of women are more busy at this time, taking into account the work and take care of children, the elderly, her husband's multiple responsibilities, under heavy economic pressure and mental stress. They have been able to control income and expenditure more freely and are good at supporting their families, but they also lack some comprehensive wealth management experience. Before marriage, the husband and wife have their own money, but after marriage must first have a financial consensus in order to talk about the so-called family finance, including the two sides to safeguard demand, the spending endurance, investment concept and so on. Also, the major annual expenditures to plan in advance, as far as possible before investment and consumption, deposit bucket of gold. At a later stage, there is a need to gradually reduce risk and increase liquidity, as the need for education funds increases with the birth and growth of marriage and children. When children are still young, given the importance of education funds, households' pressure on cash expenditures will increase and the pressure to buy a house will reduce the risk-resistance capability. Therefore, this period should not invest in high-risk investment products, mainly taking into account the liquidity and security. â—Ž primary goal to develop a plan. Women in this phase are relatively busy taking care of their work and taking care of the multiple responsibilities of their children, the elderly and their husbands. They are under heavy financial pressure and stress. Most women are more receptive to their income and expenditure control and good at supporting their families, but they also lack some comprehensive wealth management experience. â—Ž experts suggest that financial planner pointed out that once the new members of the family to join, we must re-examine the family financial composition. In addition to the original expenses, baby care, education costs is a huge expenditure. First, when the baby is one or two years old, he or she can start buying education insurance or a regularly scheduled fund to raise funds for children's education. The investment period of the children's education fund is generally over 15 years. 40 to 50 years old: Prepare a "pension" for retirement â—Ž Features of financial management Turn busy and ready for retirement. At this stage, women and children have been independent and have been on a busy schedule. Their investment strategy has been turned conservative, raising funds for retirement pension. This stage is mainly to prepare for their retirement life stage. The funds can be arranged separately according to the status of family members. Due to the relatively small pressure on capital expenditure, relatively flexible arrangements can be made. For example, to own or family members to buy insurance, sufficient funds, then you can consider to buy a suite and so on. However, it is still not advisable to invest in such high-risk stocks as stocks or low-risk products such as government bonds or money market funds. â—Ž The primary goal of attention and stability. From busy to idle, ready to retirement stage. At this stage, the women and children have been independent, have been busy for a lifetime, their investment strategies have been turned conservative, the funds have been raised for retirement and pensions, the means of financial management are based on careful planning, steady win, and revenue and expenditure cutting. â—Ž experts suggest AIA senior marketing manager Huang Zhaowu pointed out that at this time the family's income exists, but with the previous stages is different, "risk" management has now become the first priority. Due to the characteristics of women's physiology, gynecological diseases are gradually finding their way into middle-aged and even earlier age groups. Targeted female medical insurance is indispensable.
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