我家的理财经历了一个从无到有的过程。和中国传统的百姓人家一样,我的父亲母亲是工薪阶层,辛辛苦苦工作了大半辈子,总算住上了单位的房改房,手头也有了一些积蓄。但是老一辈人的投资观念终归较为保守,每月有了闲钱就存入银行,以为这样就万无一失了,等于进了保险箱。而且父亲生前对股市相当排斥,因为他看着公司里面那些同事在股票投资上稍有盈利就眉飞色舞,一旦亏损就垂头丧气的,心中就充满不解和反感。所以父亲在世时,我们一直都和证券投资甚至是普通信托理财无缘。 My family’s financial management has gone through a process from scratch. Like Chinese traditional people, my father and mother are working-class people who have worked hard for most of their lives and have finally lived in units of housing reform and have some savings on hand. However, the concept of investment of the older generation after all, more conservative, with spare money every month, deposited in the bank, thinking that this foolproof, equal to into the safe. And his father was quite a repugnant to the stock market because of his frustration and resentment when he looked at those colleagues in the company who made a little profit on stock investment. Therefore, when his father was alive, we have been missed with securities investment and even general trust financing.