What financial plans do middle-aged and elderly people have?

Now, there are more and more elderly people in China. For the elderly, how to provide for the elderly happily is their greatest concern, and many elderly people turn their attention to financial management. Financial management may be a good way to accumulate pensions, but we have also seen many cases in which the elderly have been cheated. How to manage money can not only ensure the financial security of the elderly, but also manage more pension money? What financial plans do middle-aged and elderly people have? When the elderly choose financial insurance, they should give priority to safety and stability, and then pay special attention to the duration of financial management. Products with a service life of 3 months to 1 year and a half and a maximum of 2 years are suitable. We should also pay attention to reducing the risks in the process of financial management by diversifying investment. Let's get to know it first. The old man has some spare money in his hand. What kind of financial management is more appropriate?

The financial management of the elderly should first consider liquidity, and must leave an emergency fund for standby. Old people should manage their spare money carefully. On the premise of ensuring the safety of the principal, it can obtain higher returns than inflation and bank time deposits. National debt and low-risk bank financing can be considered. For the elderly with slightly higher risk tolerance, bond funds or hybrid funds can be considered.

It is also skillful for the elderly to choose savings. The deposit date should not be too long. They can choose a one-year fixed term and deposit it at maturity.

Second, how do the elderly buy insurance products to protect their old age?

There are some long-term insurance products for the elderly to choose from. Although it can relieve the worries of the elderly, there may be a phenomenon that the premium paid is higher than the guaranteed premium. In order to avoid the embarrassing situation of "no insurance to invest" and strive for more opportunities to choose insurance products, it is necessary for children to buy insurance for the elderly as soon as possible.

The choice of financial insurance for the elderly should be based on safety and stability. In addition, the elderly must be vigilant when buying insurance to avoid being deceived. In the choice of insurance, we should first consider health insurance and accident insurance, among which hospitalization insurance and critical illness insurance are more suitable for the elderly.

Third, how do the elderly manage their finances?

1, be "stable"

Most middle-aged and elderly people have weak financial risk tolerance. Therefore, the primary consideration for middle-aged and elderly people in financial management is the safety of principal, and then they pursue relatively high-yield products on the basis of the safety of principal. In order to be stable, the first thing to consider is the regulatory agency of wealth management products. Generally speaking, fixed-income products regulated by financial institutions are more suitable for investors seeking stability, such as p2p online loan financing with strong examples in the market.

Step 2 be "short"

Middle-aged and elderly people should pay special attention to the financial management period in the process of financial management. Because middle-aged and elderly people are older, the risk of illness or accidents is much higher than that of young people, and the energy of middle-aged and elderly people in financial management is not as abundant as that of young people. The financial market itself has changed a lot, so it is not recommended to choose financial products with long closed period. Specifically, it is suggested that middle-aged and elderly people choose products with a term of three months to one and a half years and a maximum of two years.

Step 3 "divide"

In the process of investment and financial management, middle-aged and elderly people should pay attention to reducing the risks in the process of financial management by diversifying investment. For example, if you invest in capital preservation or fixed-income products, you can choose different financial management tools such as deposits, government bonds, money funds, bank RMB financial management, and trusts. If you invest in floating income products, you can choose different varieties such as stocks, stock funds, hybrid funds and sunshine private placement.

Four, the elderly five strokes to save money for the elderly

The first trick: save money-save money skillfully with twice the result.

The primary premise of providing for the aged is to determine a stable income, and traditional investment tools such as savings, bonds, insurance and bank wealth management products are the primary financial management foundation. However, if we want to beat CPI and win the war against inflation in the long-term financial management process, we still need certain management skills to get twice the result with half the effort.

At present, many people gradually ignore the existence of savings after contacting the concepts of financial instruments such as stocks and funds. In fact, saving has many advantages, such as high security, good liquidity and simple operation. It is the most reliable investment and financial management tool. Of course, there are clever ways to save money. For example, there are 6,543,800 yuan of idle funds at home, which are urgently needed within one year, but the specific amount and time of each use cannot be determined. If you want to get a "high yield" because you use money at one time without using all your savings, you'd better choose the four-point method of deposit certificate. That is, deposit four certificates of deposit, and deposit 65,438+0,000 yuan to four certificates of deposit respectively, but the amount should be greater than one, so pay attention to adaptability. You can deposit 10000 yuan into 1000 yuan, 2000 yuan, 3000 yuan and 4000 yuan respectively.

In addition, if you deposit a certain amount every month, all certificates of deposit have the same life, but the maturity date is different by one month, which is also called 12 certificate of deposit method. This method is most suitable for working-class depositors, who pay monthly, save monthly, check their accounts one day and get rich overnight. Moonlight Family is the best choice.

The second measure: bank wealth management products-many varieties and wide choices.

Every oak tree must be an acorn. With the capital base of savings accumulation, of course, we should use our brains and find more financial tools. In recent years, it is also a good choice to continuously introduce new bank wealth management products.

Judging from the term, there are two kinds of RMB wealth management products on the market at present: fixed term and non-fixed term. Fixed-term products usually have 7 days, 14 days, 30 days, 35 days, 90 days, 180 days, 365 days and other varieties. Most of these products are guaranteed capital floating income products. For the sake of risk, we only discuss RMB wealth management products invested in money market funds, and temporarily ignore RMB wealth management products such as trusts and loans. The expected annualized rate of return of these monetary wealth management products is also quite good, and the income achievement rate of liquidation products is also quite high. Take a 90-day product as an example. At present, the expected annualized rate of return of banks is around 3.6%~4.2%.

The third measure: national debt-interest is higher than savings.

Bonds play an important role in financial management tools for the elderly. For individuals, the main bond investment is national debt. At present, there are three categories: voucher treasury bonds, book-entry treasury bonds and savings bonds.

Both voucher-type treasury bonds and voucher-type treasury bonds can bring fixed and stable income to buyers, but buyers need to be clear that if voucher-type treasury bonds are withdrawn in advance, they will not bear interest during the issuance period, and if they are withdrawn within half a year, the interest will be calculated at the current interest rate for the same period. Relatively speaking, the yield of certificate-based government bonds is still relatively stable. If it is withdrawn in advance after half a year, its interest rate will be higher than the current interest rate for early withdrawal of savings deposits, and the interest due will be higher than the interest earned by savings deposits in the same period. Therefore, voucher-type treasury bonds are more suitable for people who don't need funds for a long time, especially the elderly investors who save this part of their money for the elderly.

The fourth measure: the fund will make a fixed investment-the long-term average income is gratifying.

Because the accumulation of retirement pension is a long-term and huge "project", the fund's fixed investment in this "lazy financial management method" has many advantages, which can not only force savings, but also make a lot of long-term benefits.

It is difficult for investors to correctly grasp the investment opportunity, so they adopt the method of regular fixed investment funds and share the investment cost by buying in batches. The market has gone up, and the net value of the fund is high, because the investment amount is fixed, the share you can buy is less; When the market falls and the net value of the fund is low, you can buy more stocks. Secondly, if we set up a fixed investment fund (within a few days after the deduction date), which is equivalent to compulsory savings, we can automatically save part of our income first, reduce a lot of extra expenses and force us to manage our finances.

As far as the fixed investment of the fund itself is concerned, because the funds invested in the fixed investment account of the fund do not withdraw the principal, there will be a "compound interest Rubik's cube effect", which is like snowballing. The longer the term, the more obvious the effect.

People who are suitable for the fixed investment of the fund must have strong personal psychological quality and financial willpower, be able to make long-term investments in strict accordance with discipline, and never give up halfway.

The fifth measure: stocks-choose stocks that can only support the elderly.

Compared with fixed-income investment tools, stock investment is much more risky and difficult, but it is also more likely to get high returns. Want to prepare for retirement, what are the stresses of stock selection?

Pension stocks have a long investment cycle and pay more attention to long-term returns rather than short-term profits. Pension stocks should first choose large-cap blue-chip stocks with strong sustainable profitability and long-term returns to investors, and must not chase various theme stocks, news stocks and short-term speculation concept stocks. Secondly, when choosing pension stocks, we should choose stocks with strong ability to pay dividends continuously, so as to truly achieve "a long stream of water."