Investment and financial management: Financial management for the elderly

Regular investment means that investors use RMB as monetary funds, and within the agreed agreement period, purchase a fixed amount or amount of ** every month, and can redeem ** physical gold bars at maturity, or sell ** to obtain monetary funds. **Regular investment is similar, and the threshold for physical ** regular investment business is relatively low, and the starting price is only a few hundred yuan. The biggest advantage of regular investment in kind is that it can help investors spread costs, diversify risks, smooth out short-term fluctuations in gold prices, reduce the possibility of one-time investment at a high point, and investors can easily obtain stable income from investment with long-term investment.

In a sense, the physical ** fixed investment is equivalent to the purchase of gold bars in installments, which greatly reduces the pressure of one-time payment for investors.

**Regular investment" six advantages.

1. Forced investment, adding up to a lot.

Monthly according to the plan, use the idle funds other than the necessary living expenses to force investment; Accumulate for the long term; Accumulate steps, lead to thousands of miles.

2. The average cost, no need to choose the time, enter the market regularly every month, diversify the investment time, and dilute (flat) the investment cost.

3. Small money investment, easy to participate.

Generally, you can invest 300 yuan, and the minimum is 100 yuan, so you will not be unable to invest because the money is too small.

5. Average income, stable return.

Long-term investment, take the high to make up for the low, and obtain the average return of the market.

6. "Lazy" investment, easy financial management.

Automatic monthly deductions to share in the benefits of economic growth with expert financial management.

**Suitable for regular investment:

1. "Lazy" investors: They generally live a worry-free life and have a certain amount of spare money in their hands, but they don't know how to invest. They don't know much about the investment and wealth management market, and they don't want to spend too much energy on it.

It is not very sensitive to changes, does not have high requirements for investment returns, and only hopes that there is a safe and cost-effective way to store funds.

2. "Pension" investors: they are currently in their young and middle-aged years, and the purpose of their investment is to provide for the elderly. In order to ensure that the quality of life of old age does not deteriorate, they force themselves to make long-term investments from now on.

3. "Educational" investors: Since the cost of education in China currently accounts for a large share of household expenses, many families have to save or invest for their children's future education expenses.

Hassle-free** investment plan.

Investment cycle: The cycle is 1 5 years, and the investment is made once a month.

Suitable for: Neither want to simply save, but also do not want to let the investment take too much risk, and in case of emergencies, you can immediately cash out to meet unexpected needs. There is no long-term planning for the investment cycle, not too sensitive to **, and no professional analysis ability for ** trend.

I'm in the same situation as you, I now give my parents a fixed deposit of 2,000 a month, and then I plan to buy a house in my hometown, let my parents rent it out and collect rent, and retire with a house.

You can consider ** regular investment.

Buy a few insurance policies in the name of a child (the kind that can have regular income) and kill two birds with one stone!