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在理财群体中,银发族一直是理财领域内的弱势群体。尽管他们有资金、有欲望进行理财,但是往往事与愿违,理财不成,反倒是上了当。同时,随着中国老龄化社会的到来,银发族这个群体也越来越壮大。如何给这部分群体制订专属他们的理财计划,来让他们颐养天年呢?案例:65岁的郑州退休老人王永义(化名),退休后儿女生活宽裕,老人自己也略有积蓄。尽管此前一直存银行定期,但是老人也想做一些投资计划,并跟随其他兴趣相投的老人上过投资管理计划课程与讲座。2009年前后,王先生在银行办理业务时,被业务员推荐带有投资分红功能的保险产品。
In the wealth management group, the silver hair family has always been a vulnerable group in the financial management field. Although they have the capital and the desire to manage their money, they tend to go against their expectations and fail to make a financial management. At the same time, with the advent of an aging society in China, the group of silver-fat ethnic groups is also getting stronger and stronger. Case: 65-year-old Zhengzhou retired elderly Wang Yongyi (not his real name), after retirement, children’s well-being, the elderly themselves have a slight savings. How to make this part of the group dedicated to their financial planning, to allow them to enjoy their good old days? Despite the fact that banks have been kept banks on a regular basis, the elderly also want to make investment plans and attend other investment management programs and lectures with other people who share similar interests. Before and after 2009, Mr. Wang was recommended by the clerk for the insurance products with investment bonus function when he handled the business in the bank.