老年人理财渐受关注 交通银行衢州分行设首个夕阳红理财室

Elderly finance gradually concern of bank of communications in quzhou set first sunset offices

Listened to the financial management division, just know originally old people also have so many management methods, through the years I have been in the bank account pension, calculated only to find that lost a lot of interest. "On February 28, a special financial seminar held in quzhou traffic bank business hall conference room, attend lectures are all old clock tower community elderly people over the age of 50, and the theme of the lecture, is precisely the elderly finance. After bank of communications in quzhou financial planers xu about bank wealth management products, such as precious metals investment introduction, many elderly people heart.

"Older people are a special group, they have a steady income after retirement, the risk to bear ability is low, but the investment desire is very strong, on the part of the group, the Banks should provide more financial services and financial services." The deputy governor of bank of communications in quzhou Lin from the point of view, the old financial groups has been ignored by various financial institutions, but at the same time the potential of a group. For a long time, the old thinking is common in the traditional concept of "money deposit bank", in fact, as long as the choice suitable financing channel, the elderly can realize value of money, with money.

Because of this, the early click bank after community work personnel's communication, decided in the clock tower community set up the "sunset offices, in community elderly people to create a" salon ", regularly held the old financial management lecture, to introduce the elderly to breakeven sound financial strategies and way, at the same time is not on a regular basis to carry out the health lecture, hiking, music, literature and art appreciation of value-added services such as enrich old people in later life. It is worth mentioning that "sunset offices", has become a QuZhouShi first professional offices for the elderly is open.

"As long as the age in people over 50 can become a member, another day I pulled my wife come and listen to a lecture, to give her wash your brain." Bocom's 74 - year - old uncle zhang attended the first lectures about the old money, after you feel benefited a lot, "used to also want to money, but suffer from does not know where to begin, now has a finance division hand-holding money, really couldn't be better."

Signed with tower community, according to the quzhou bocom "sunset offices" articles of association members, who aged over 50 years old tower community bank card hold resident, can become a member of the offices, not only to participate in various financing party lectures and activities organized by the bank, still can enjoy the exclusive of gold traffic bank card customer service channels and characteristic service, enjoy treatment of Banks to high-end customers financial services.

Old people stick to four principles of finance

Quzhou with bank of communications branch "sunset offices set up in the day, the traffic bank financial planner for the tower community elderly people held a lecture first the old financial management. The old money, ideas change is the first step, the bank financial planner for the elderly financial management put forward "four principles", may be able to provide certain reference value for elderly people.

Safety principles

The old people's savings is oneself for years to accumulate money, need to cope with everyday life and is in hospital costs, is the guarantee of their life. Therefore, the financial management is the first principle, security of old people. In general, financial rule is AnQuanCheng inverse ratio and earnings, returns, the greater the security is relatively smaller. Investment approaches such as stock market is high income, but the relative risk is big, not suitable for the elderly to participate in. Looked from our country's current financial situation, the bank deposit is safe, the deposit will not reduce, there will be a stable interest income. Therefore, for security reasons, financial advisers suggested that the elderly should choose investment direction savings and low-risk financial products, appropriate to consider physical gold when the price is right, or the most money in the bank, give priority to with savings.

Convenient principle

Considering the particularity of the elderly group, funds tend to have a temporary requirement, so in financial management, want to withdraw the convenience of due consideration. Has the convenience of rolling savings method is one of the older friend can choose the way of saving. If you have part of the deposit belongs to a short-term purpose or withdrawal time can't anticipate, can first save a year or two years of certificates of deposit, lie between period of time to put in the hands of savings deposit into a pension or endowment insurance for a year or two years of certificates of deposit, and so on. So a year later, every one or two months there will be a certificate of deposit due, when the money is very convenient, even if there is urgent need to in advance, and a loss of interest is also very small.

Maximum value principle

The old money, income is fixed or limited, most of the people is a sinecure, there will be no new revenue channels. Therefore, under the premise of considering the safety and convenience, consider deposit to maximize the value. First survival time less, save more, in the short term on a regular basis, combining the current three months and six months of regular interest rates were much higher than current interest rates, should try to reduce the rate of current deposit; Second should pay attention to timely archived on a regular basis, and some old friends conveniently or forget, often make the expired on a regular basis is not archived, in time to deal with automatic renewal business, save the trouble to go to the bank for transfer due to both, and avoid loss of interest due to forgetting archived; Can buy 3 break-even value-added products; The fourth callable bonds, high yield savings over the same period as a whole.

Principle of moderate consumption

Now, many old people affected by the traditional habits, not willing to give up their own to eat and wear, hoping only to consider how to save money for their children. In fact, this is a big financial pitfalls, old people should abandon the old concept of consumption, will be used to improve your life saving actively, take part in outdoor activities, body care and treatment of the disease, improve the quality of life, improve the body quality, enjoy a happy old age. Sun Fu own son as the saying goes, children, the elderly quality and happiness life, the biggest wish is for successors