. 25-year-old young women - only rationale is more important than financial management, the highest return on their investment

. This is a rationale for it is more important than the financial period. This phase of their investment is more important than their investment. Often hear a lot of young girls argued that the money is earned, not a province. This is certainly justified, but to earn more money, first of all need the ability to make money. For financial management, this age group of women or even no concept of exclusion, or have parents to help a little. They expect to see their tight wallets in general more difficult, but can do more to raise money, spending time at least as much as possible the use of the money to realize their aspirations. Real-life education has always been good at managing their growth on the road to an essential link.

. single women - married reserve fund in preparation for marriage

. unless you intend to "lonely life", otherwise it will inevitably have to prepare a sum of money - the marriage fund. In general, marriage fund short-term demand, deposits, the ratio of cash must be more than half in order to maintain financial stability. In addition, less than five percent of the funds should be focused on the type of sound investment vehicles, such as an annual dividend of stability in the stock or fund-sound products.

. 26-year-old to 45-year-old woman between - child birth reserve funds, financial management transformation family

. This is a period of the most complex financial management, personal financial management gradually into a family financial management. I may have to work for promotion or change so that they can have better and more stable source of revenue; face two to get married and have children, child support and the growing cost of education; three eldest parents to become high maintenance obligations for the elderly Gradually put on the agenda.

. early in order to become a real family needs a safe haven for family risk management, risk management fund family, and began to choose insurance protection products in the future. Can properly consider a number of high income investment tool. Generally speaking, the family should be based on risk management or insurance and bank deposits as the main tool. Therefore, the shelves should be a safety net, other then the investment objectives of the planning. From the outside situation, a person should be the appropriate amount of insurance is a monthly income of at least 72 times, that is, the so-called "72 principles" - to provide insurance protection should be sufficient, at least in the absence of the work of the 6-year support.

. in the latter part of the need to gradually reduce risk, increase liquidity, as with the marriage and child birth and upbringing, education fund requirements will be simultaneously increased. Therefore, in the age of the children are still very small when taking into account the importance of family education fund cash expenditures will increase pressure on the capital chain will be relatively tight, and the pressure to buy a house, anti-risk capability will be reduced. Therefore, this period should not invest in high-risk investment products, both of the main mobility and security.

. 45-year-old to 55-year-old woman after - To maintain the standard of living, and do a good job in retirement

. this stage is mainly for their life after retirement preparation stage. According to family members can be arranged funding situation, as capital expenditures less rigid, can be relatively flexible arrangements, such as for himself or family members to buy insurance, can be considered sufficient funds to purchase a suite and so on. But not on its own stock for high-risk investment, should be switched to bonds or money market funds such low-risk products. Because the older, a variety of diseases such as the unexpected happens the situation will increase the need for cash left to cope with emergency situations.

Add to Onlywire
Social bookmark this page