年龄段划分,20到60岁不同年龄段的人如何理财?请收好这份攻略!

作者: 发布时间:2017-12-09 17:18:10  来源: [手机访问]
导读: 财务自由,现在很流行的一个词语,我们也经常在各种场合听到别人谈论财务自由,甚至有时候自己也参与其中,不过说实话,多数人奋斗一生也很难实现财务自由,毕竟

财务自由,现在很流行的一个词语,我们也经常在各种场合听到别人谈论财务自由,甚至有时候自己也参与其中,不过说实话,多数人奋斗一生也很难实现财务自由,毕竟大部分人都是的收入都是靠工资。所以,我们辛辛苦苦赚来的钱怎么花显得尤为重要,俗话说好钢用在刀刃上,投资理财也是同样的道理,不同年龄段有不同的理财方式。

20到30岁:花钱增值自己

20到60岁不同年龄段的人如何理财?请收好这份攻略!

有人会说,花钱谁不会,一天涮一个月的工资都不带眨眼的。这里说的花钱不是叫你去挥霍浪费,而是花钱投资自己。因为这个年龄段是你快速成长的阶段,急需提升自身价值增加收入。如果有多余的资金,可以尝试投资安全可靠的互联网金融理财产品。

20到30岁——资产配置建议

20到60岁不同年龄段的人如何理财?请收好这份攻略!

31到45岁:P2P、基金、股票、保险都来点

20到60岁不同年龄段的人如何理财?请收好这份攻略!

这个阶段的你,工作相对稳定,成了家,做了父母,有一定的积蓄。资产以及资产带来的投资理财也逐步累积,与此同时房贷、消费支出也大幅增加。所以这个阶段一定要多元化资产配置。

根据自己的风险承受能力,一部分应该放在进攻型的理财产品上。比如股票、股票型基金等。另一部应该放在风险较低的防御类产品上。比如P2P、保险、债券、货币基金等。至于比例,要看你承受风险的能力了。

31到45岁——资产配置建议

20到60岁不同年龄段的人如何理财?请收好这份攻略!

46到59岁:警惕财务危机

20到60岁不同年龄段的人如何理财?请收好这份攻略!

到了这个年龄,财富分层就出来了。一部分人迈向事业巅峰变成高净值人群,另一部依旧过着普通的生活。不管属于哪种人群,这个阶段都应该警惕“家道中落”,因为此时你承受风险的能力已经大幅下降了。这时最大的风险在于没有及时提升风险意识,一旦家中的主要收入来源遭遇重大财务危机,那么对于一个家庭来说都是毁灭的。

所以此时投资要兼顾收益和风险,进攻性和防御性资产小合建议按1:1配比,并且年龄越大,防御性资产的比例也要相应提高。

46到59岁——资产配置建议

20到60岁不同年龄段的人如何理财?请收好这份攻略!

60岁以后:为生活留足后路

20到60岁不同年龄段的人如何理财?请收好这份攻略!

这个阶段的你,孩子已经成家立业,你也过上了退休生活。现在的你收入能力大不如以前,主要的收入来自于养老金。除了日常的生活开支,可能还有疾病等方面的大额支出。

这一时期家庭理财应该以安全为目标,最好不要再去折腾一些风险性高的理财产品。以下几个案例就是受不了高收益的诱惑盲目投资造成的。

1、轻信热心邻居推荐投资,称年息72%,大妈血本无归;

2、跟风海外投资,广场舞大妈养老钱亏完;

3、大爷借钱炒期货,10倍杠杆爆仓。

所以这个阶段,小合建议80%以上的财富投到防御性产品上。比如国债、货币基金等理财产品。

60岁以后——资产配置建议

20到60岁不同年龄段的人如何理财?请收好这份攻略!

当然,以上这些只是建议,每个人都应该根据自己的能力和财力,在理性的基础上做合理的资产配置。

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