Financial advice for elders

The old people must hold their money bags tightly, live within their means, and enjoy their old age in peace.

Pay attention to the "asset management cloud" and accompany the career growth of financial professionals!

A few days ago, I went back to my hometown to attend my cousin's wedding, during which I chatted awkwardly with the elders of the family for a long time, and was repeatedly asked about investment and financial management.

Although the elderly do not understand finance and investment, they still feel the chill of the general environment, and the most uncomfortable thing for them is two things: one is that the bank's financial management is not guaranteed to protect the principal, and the other is that the interest on deposits has fallen again and again.

So, the question arises: it's not a way to depreciate money like this, what kind of financial management can you do?

I know these old people, their ability to save money is staggering, although they have not received a high dead salary all their lives, but they have also saved a considerable amount of money. It is no exaggeration to say that this money is really squeezed out of the teeth, it is not easy to come by, and even the slightest problem may cause death.

In order to make it easier for them to understand, I made up a "smooth mouth", which I think is the most suitable financial management idea for the elderly.

Closer to the country, farther away from the people;Closer to the license, a little farther away from the grassroots;Closer to the clear, a little farther away from the black box;Closer to dispersion, farther away from concentration;Anti-fraud, anti-fraud, anti-theft, anti-cheating!

Closer to the country, farther away from the people;

The nationalization of the financial sector is the trend of the times, and the common people must understand this truth when managing their finances.

Whether it is an institution that chooses financial services or the manager behind the product, the state-owned background is the first choice. As for the various ethnic groups that have been highlight, but now they have been blown up or survived, their services and products are better kept away.

The closer to the country, the higher the safety factor, but this does not mean that the product will not lose money. Even if you buy *** in the largest bank in the universe, you will still lose money. But at least an organization like the Workers' and Peasants' China Construction will never sell illegal products, and the so-called thunderstorm and loss of money will definitely not happen.

So the first piece of advice to the elderly is:Find an institution with the strongest state-owned background and make investment allocation according to your own risk appetite, deposits, bank wealth management, public offerings**, insurance is sufficient.

Closer to the license, a little farther away from the grassroots;

All financial behaviors must be regulated, which is an unquestionable requirement and regulation, and a financial license is the strongest endorsement of regulatory compliance.

Ordinary people don't know much about financial licenses and can't delve into the truth, so they can be simply understood as:It is still the first choice for financial management and investment.

Among the banks, the five major banks of China, agriculture and industry can be the first choiceIf the family is relatively wealthy and wants to enjoy some more advanced and characteristic services, China Merchants, CITIC, Industrial and Pudong Development in the joint-stock bank are also good choices. As for urban commercial banks and rural commercial banks, what can attract individual customers is nothing more than a little higher deposit interest, and there is really no need to give up big and small for this.

Those trendy Internet financial management platforms, the old people suggest not to mix, not to say that they are not good, but too fancy, the elderly do not understand, easy to get into trouble. As for the wealth management companies, folk stock gods, coins, tea, garlic and other things that are as many as cattle hair in various places, how far they can hide and how far they can hide, these are the bad elements who eat people and do not spit out bones.

Closer to the clear, a little farther away from the black box;

Although financial products can't be touched, they must be visible, and there are ulterior routines behind all the black boxes that pretend to be ghosts.

Speaking of transparency, I have to mention the public offering**. In the past two years, due to various reasons, the market reputation of public offering ** makes people feel indescribable, but no one can match it in terms of information disclosure.

The biggest advantage of transparency is that even if you lose money, at least you can lose it clearly. This advantage is especially valuable for high-risk products. If you are still optimistic about A-shares for a long time and hope to be able to allocate some ** exposure, public offering ** is still a good tool.

If you are worried about problems such as "rat bin" and "style drift", you can choose index products, follow the market, and the ups and downs are not up to you.

It is undeniable that there are many very powerful bigwigs in the private equity industry, but the current overall environment does make people feel anxious. For the old people who don't know how to invest and don't have information advantages, there is really no need to take advantage of the fire. In case you bump into something like dereliction of duty in custody and running away with money, it's really too late to cry.

Closer to dispersion, farther away from concentration;

Don't put all your eggs in one basket", this is already quite a vulgar saying, and it should still be said.

The current environment is all about risk prevention, even if very careful arrangements have been made in accordance with the previous three recommendationsShould it be dispersed or dispersed.

Service organizations should be dispersed, ICBC should save a little, and Bank of China should also save a little. Insurance protection should be dispersed, buy a little bit of increased whole life, critical illness insurance and participating insurance can also buy a little, it is best to buy it in multiple companies. **And financial management should be more dispersed, different managers, different types of products, similar products and different single products are all bought a little. Finally, buy two gold bars and hide them in a safe "secret base" to ensure the most extreme bottom line of survival.

Although dispersion will bring a loss of convenience, it is difficult to buy a thousand dollars, and I feel at ease.

Anti-fraud, anti-fraud, anti-theft, anti-cheating!

For the elderly, investment losses are not the most terrible, being cheated, defrauded, stolen, and relied on are the four culprits that cause myocardial infarction and cerebral infarction.

The worse the economy, the more rampant crime becomes. In today's era, violent robbery in the streets and alleys has become obsolete, and fraud through telecommunications and the Internet has become the mainstream form of crime. The elderly have time to listen less to health lectures that fool people and more to attend anti-wire fraud lectures organized by public security organs and banksIt is very necessary to cultivate anti-fraud awareness and learn anti-fraud skills.

As for the prevention of old men, when you encounter someone who borrows money, you will directly block it, and you will no longer have to get along, you are all at this age, so why bother to save face. Of course, children borrowing money is naturally another matter, and the right is a gift of love, and don't think about returning it if you give it.

The world is difficult, it is difficult to get rich through labor, and it is even more difficult to make money through investment. The old people must hold their money bags tightly, live within their means, and enjoy their old age in peace.