From the perspective of spending money, with the longer working hours, more and more people have started the craze of keeping in good health in advance, and their health has become their most anxious thing. Young people want to make money, but they can't change the working environment of going out early and returning late. Lycium barbarum, health products and gymnasiums have become the main expenditure items of their living expenses.
From the crowd analysis, after 95 and 00, a lot of time was spent on live broadcast and short video. They have become the leaders of the new wave era, and they are also the main force of rewarding, comic consumption and advanced on-demand If the VIP renewal personnel of major film and television APP platforms happen to be a group of people aged 20 to 40, and the group of subscribers aged 20 to 30 is the largest.
From the perspective of financial investment, fund products have become their first choice. I am more rational in investment, more aware of the difference between myself and fund managers, and I don't have enough time to watch, watch and learn. Fund products are gradually favored by more and more young people. However, Niu Ge found that the habit of chasing up and down and buying hot spots has not changed, and most investors still lost in the battle.
It is precisely because young people need more life consumption and invest more rationally in financial management that more products are innovated and personalized products are sought after by more young people, which also brings greater pressure to the consumer industry. China Youth Consumption Report shows that the top three areas of young people's consumption are education and training, housing and medical care, which also shows that modern people's living habits have changed. The first consumption is education and training. It seems that "taking books" has become a trend. Niu Ge often receives strange phone calls and asks, "Sir, do you need to study?" Now that I think about it, I am not young!
In terms of investment and financial management, young people are still in the stage of investment exploration. Some people hold their heads high on the right path, while others go further and further. Modern society is an era of early consumption. Consumers can apply for prepayment on the online shopping platform even if they don't apply for a credit card, which means that "borrowing money" has become the norm, and how to manage the funds in their hands has become the key. Don't let spending money become a habit, and paying back money becomes an obstacle!
Usually invest in wealth management, choose a certain period of wealth management products, so that you don't even know what you bought, but you should think twice afterwards. When most people consider buying fund products, they still have to figure out how their funds should be allocated. Riding a bull and watching a bear shows that young people prefer stock funds. In terms of capital allocation, we can also consider buying low-risk financial products such as government bonds, bonds, certificates of deposit, and reverse repurchase of government bonds in case of emergency, so as not to let all funds fall into market investment risks.
Bank wealth management products can not only be withdrawn at one time, but also be invested in stock funds. At a fixed time, investors can buy designated fund products with fixed funds. Investors can choose the buying method of weekly fixed investment and monthly fixed investment, or they can make more and more funds in their hands, gain their own income in the subsequent "main wave" and realize the preservation and appreciation of the funds in their hands. It is very important for young people to invest in financial management and make money, and it is more important to find ways to make money. We should also treat market changes more rationally in investment.