Ant tribe can also be called partial retirement type, which is characterized by high savings rate. The most important goal is retirement planning, sacrifice first and enjoy later.

Ants strive for their own survival every day. This kind of people, like ants, always put their work first, work all day and don't care about immediate enjoyment. Their character is to suffer first and then be happy. People's attitude towards financial management is often to live within their means, to buy things carefully, not to borrow other people's money or use bank credit loans, and to have the habit of saving. Investment and financial management is to sacrifice first and then enjoy, with a long-term vision.

Investment suggestion: You can choose a variety of different types of wealth management products to combine. When combining products, you should properly allocate the investment proportion of various products according to your actual risk tolerance, so as to achieve the effect of dispersing risks. In terms of insurance, you can choose endowment insurance or investment insurance. You can also invest in physical gold. Compared with other investment products, gold has the advantages of little change in value and good liquidity. It is an effective means to deal with inflation, and another important function is to avoid exchange rate risks.

Cricket: Enjoy first and then sacrifice.

Cricket can also be called the current enjoyment type, which is characterized by a low savings rate. The most important goal is current consumption, enjoying first and then sacrificing.

This kind of people represent people who like to consume now, and pay more attention to immediate enjoyment. The current consumption demand is greater than the expectation for the future. Their financial attitude is that they lack the concept of financial management, overdraw the future, are impulsive consumers, and like to borrow money with credit cards or spend in advance.

Investment suggestion: cut monthly expenses by 30% and force savings. If the control is not strong, you can make compulsory savings through fixed investment, so that the moonlight family can become a "monthly family", and you can choose a pension with basic needs in insurance.

Kind bird: Everything is for the children.

People who love birds can also be called child prejudices. The characteristic of this kind of people is that their children's education expenditure accounts for more than 10% of the total income, and they sacrifice their present and future consumption and leave it to them as a legacy.

The financial attitude of these people is to give priority to children's education planning, and the payment period of children's higher education funds is highly coincident with the retirement preparation period. If you don't plan your children's education in advance, the quality of retirement life may be sacrificed for your children's college education, and the tuition growth rate of your children's higher education is unpredictable, so you should plan leniently. Put children's future first, provide children with the best education and living conditions, and attach importance to the quality of life of family members.

Investment suggestions: investable bonds, low-risk funds, educational savings, etc. Can be held for a long time, and the income can reach at least 5%. In terms of insurance, children's education annuity can be considered.

Snails: It's not too difficult to carry a "shell"

A snail can also be called a partial buyer. The characteristic of this kind of people is that the principal and interest expenses of buying a house account for more than 30% of their income, and they sacrifice their present and future enjoyment in exchange for owning their own house and working hard for the "shell".

The financial attitude of these people is that the cost of buying a house becomes the biggest expenditure, and the monthly payment becomes the biggest monthly expenditure of the family. If they have the chance to make money, they will not exclude Qian Shengqian and pay attention to family finance.

Investment suggestion: Give priority to the house purchase planning, pay close attention to the information of loan interest rate policy, and use the preferential policy of national housing loan interest rate to reduce interest expenses. Withdrawing the provident fund once a year to repay the loan in advance can greatly reduce the financial pressure. You can invest in short-term high-quality funds or bank wealth management products. Insurance can be invested in short-term savings insurance or mortgage insurance. (Beiqing)