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台湾安泰投资顾问公司根据多年的服务经验,对上班族一生的理财计划做出了这样的划分和建议:一是探索期(15到24岁)。通常这个时候重心放在学业上,事业才开始起步不久,所赚的钱不多,此时可规划买个十年期定期保单,受益人给父母,以报答父母养育之恩。二是建立期(25到34岁)。此时最好多取得有益于谋生的各种证书、执照、以及工作的表现,在理财方面可考虑定额储蓄、小额信托方式买共同基金,以及买个60岁满期的定期寿险,受益人给配偶或子女。三是稳定期(35到44岁)。想创业者,此时是评估的好时机。不想创业继续当上班族者,应加强初中级管理方面的知识,以备升为主管之需。此时最大的负担是房屋贷款,理财宜稳健,可规划增加共同基金的投资,同时强迫自己多储蓄。四是维持期(45到54岁)。此时不仅本身收入增多,家中小孩也开始会赚钱,家庭负担减轻,投资组合不妨朝多
Taiwan Antai Investment Advisory Company based on many years of service experience, the life of the office workers financial planning made such a division and recommendations: First, the exploration period (15 to 24 years old). Usually this time focus on academic studies, the cause began only a short while ago, earn little money, this time planning to buy a ten-year regular policy, beneficiaries to their parents, in order to repay the grace of parenting. Second, the establishment of (25 to 34 years old). At this time, it is advisable to obtain various kinds of certificates, licenses and job performance conducive to earning a living. Consider saving in terms of financial management, buying mutual funds through the use of microfinance, and buying regular life insurance over the age of 60, beneficiaries To spouse or children. The third is stable (35 to 44 years old). To entrepreneurs, this time is a good time to assess. Do not want to venture to continue working as workers, should strengthen the knowledge of junior management, to prepare for the rise of the need to be competent. At this point, the biggest burden is the mortgage loans. Wealth management should be sound and we should plan to increase the mutual fund investment while forcing ourselves to save more. Fourth, the maintenance period (45-54 years old). At this point not only increase their own income, home and children will begin to make money, reduce the burden on the family, the portfolio may be as much