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随着人们收入水平的不断提高,投资理财已经成为众多家庭的一个必需品。市场中金融理财产品品种丰富,风险各异,投资者面对众多理财产品。由于受到个人理财价值观、家庭状况等因素的制约,合理地定制家庭理财规划,并不是件简单的事。理财并不“等于”投资,它的本质就是未雨绸缪,合理安排好人生不同阶段资金需求,最终实现人生在财务上的自由、自主、自在。目前社会上存在着四种理财模式的人群:蟋蟀族、蚂蚁族、慈鸟族和蜗牛族,不同人群的理财性格决定着不同的理财价值观。
As people’s income levels continue to rise, investment banking has become a necessity for many families. Financial products in the market are rich in variety and risky, and investors face many wealth management products. Due to personal financial management values, family status and other factors, the rational customization of family financial planning is not a simple matter. Financial management does not mean equal investment. Its essence is to take precautions, rationally arrange the funding needs in different stages of life, and finally realize the financial freedom, autonomy and ease of life. There are currently four types of financial management in the community: the crickets, the ants, the caracals and the snail family. The financial management of different groups determines the different values of financial management.