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第一阶段:单身期2~5年,从参加工作至结婚。这个阶段的理财重点不在获利而在积累经验。理财建议:60%风险大、长期回报较高的股票或股票型基金等金融品种,30%定期储蓄等较安全的投资工具,10%活期储蓄以备不时之需。第二阶段:家庭形成期1~5年,结婚生子阶段。经济收入增加,生活稳定,应重点合理安排家庭建设支出。理财建
The first stage: single period of 2 to 5 years, from work to marriage. This stage of financial management is not focused on gaining experience. Financial advice: 60% of the risk of long-term returns higher stocks or equity funds and other financial products, 30% of the more regular savings and other safer investment tools, 10% of the current savings for emergency use. The second stage: family formation period of 1 to 5 years, married and child stage. Increasing economic income and stable life should focus on reasonable arrangements for family construction expenditures. Financial management