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In today's environment, at different age levels and for different life stages of development of women, how the times, to reproduce themselves,
25 years of age of young women - it is more important than financial reasons, the highest return on their investment
This is a reason it is more important than financial period. Investment at this stage is more important investment than their own. Often hear a lot of young girls argue plausibly that the money is earned out, not out of the province. Words of course justified, but to earn more money, you first need to have the ability to make money. For financial management, the women of this age have no concept or even rejection, or parents to assist RBI. They expect to see tightening their purse is generally more difficult, but you can spend money to do more to improve, as much as possible when spending the least money to use to achieve their aspirations. Education has always been in real life they grew in the financial management an essential part of the road.
Single women - married Reserve Fund, to prepare marriage
Unless you play the In general, marriage funds are short-term needs, therefore, fixed deposits, cash ratio must be over half, in order to maintain funding stability. In addition, less than five percent of the funds, it should target the robust type of investment tools, such as the annual stock dividends stable or robust type of fund products.
26-year-old women between the ages of 45 - children birth Reserve Fund, restructuring family financial
This is a most complex period of financial, personal finance and gradually transformed into family financial management. As a promotion or job change may be, he can make better, more stable source of income; two to face marriage and fatherhood, child support and the increasing cost of education; third heir to the parents, the obligation to support the elderly gradually put on the agenda.
Beginning to become a real haven for the family, the need for risk management of the family ugg billig kaufen, a family of risk management fund Moncler expedition parka dam, and began to choose insurance products to protect the future. Also be appropriate to consider some higher-yielding investment and financial management tools. In general, the family's risk management or insurance and bank deposits should be the main tool. Therefore, the shelves should be a layer of safety net goal again for other investment plans. Looking at the situation from abroad, the appropriate amount of insurance a person should be at least 72 times the monthly gross income, so-called
The need to gradually reduce the risk of late, increased liquidity, because with marriage and children born and raised solde moncler, Education Fund of the requirements will be simultaneously increased. Thus, in the child's age is also small, taking into account the importance of education fund, the family's cash spending pressures will increase, capital chain will be relatively tight, with the pressure to buy a house, will reduce the ability to resist risks. Therefore, this period should not invest in high-risk investment products ugg winkel nederland, mainly taking into account the mobility and security.
45-year-old to 55 years after women - to maintain the standard of living, good retirement benefits
This phase of their life after retirement preparation stage. According to the status of family members to arrange the funding, rigid spending less stressful because of funding, can be relatively flexible arrangements, such as for themselves or family members to buy insurance, liquidity can consider to buy an apartment and so on. But still high-risk stock not suitable for their own investment, should be switched to bonds or money market funds moncler soldes, these low-risk products. Because older, the variety of situations such as sudden illness happening will increase, leaving the cash needed to meet emergency situations.
General, different people schoenen ugg, different families in the development of their financial management program may be quite different. But the core is the most comprehensive financial management must have their own concept for the overall consideration of their future should be, so as to make the most appropriate to their financial plan, to reproduce the elegance of the family CFO.
