内蒙古新闻网 > 新闻 > 内蒙古新闻 > 社会 > 正文

老年人购买理财产品要“两谨记两不要”

作者:张艳枫 责任编辑:郭丽娜 2018-01-12 10:06:11 来源: 呼和浩特日报

市民李新荣去年退休后跟老伴去银行存取了几次钱,觉得理财产品收益比定期储蓄高,于是陆续将家里的积蓄都购买了某银行的一款收益较高的理财产品,近日,第一笔期限6个月的5万元理财到期,李新荣发现收益比购买时银行工作人员告诉他的略低,咨询才知道,他购买的这款理财产品是非保本浮动收益,购买时银行工作人员告知的是预期收益。因担心本金受损,李新荣想提前取回另外几笔购买该理财产品的钱,却被告知该理财产品不得提前终止或赎回。

对此,专业理财师张晓薇认为,退休后老年人收入一般会大幅低于退休前,收入减少带来心理上的失衡,会使老年人更青睐“高收益”的理财投资。虽然购买理财产品对老年人来说确实是一个不错的选择,但对理财产品收益越高风险也越大的规律一定要知晓,在此基础上适当理财,才能更好地安排晚年生活。

张晓薇建议老年人购买理财产品时最好要坚持“两谨记两不要”的原则。“两谨记”,一是要谨记安全第一,不涉及高风险产品,尽量选择中短期的保本型理财产品,选择产品时首先要弄懂产品性质、收益、风险等级,在作抉择时也可请亲朋提供参考意见;二是要谨记与定期存款可提前支取的情况不同,理财产品只有到期后才能取出本金。所以一定要留下足够的应急资金,子女不在身边的老年人还要根据自身的实际情况,适当提高存款比例。“两不要”,一是不要轻信预期高收益。预期收益并不等于实际收益,很多老年人把预期收益当成实际收益,并在一些销售人员刻意夸大收益的情况下,不自觉地踏入收益“陷阱”,在对产品详情及其风险一无所知的情况下,就投入大量资金去购买这些理财产品,最后却落得本利受损。二是不要贪图小便宜。“限量”“赠品”“双倍积分”多是利用老年人“贪便宜”心理搞得促销手段,老年人理财防骗更要防贪心。

欢迎加入"99街"微信报料,微信公众号:nmg_99jee

新闻热线:0471-6635129

声明:

一、凡注明来源为"内蒙古新闻网"的所有文字、图片、音视频、美术设计和程序等作品,版权均属内蒙古内蒙古新闻网或相关权利人专属所有或持有所有。 未经本网书面授权,不得进行一切形式的下载、转载或建立镜像。否则以侵权论,依法追究相关法律责任。

二、凡本网注明"来源:XXX(非内蒙古新闻网)"的作品,均转载自其它媒体,转载目的在于传递更多信息,并不代表本网赞同其观点和对其真实性负责。

三、转载声明:本网转载稿件有些作者不明,请相关版权单位或个人持有效证明速与本网联系,以便发放稿费。

内蒙古新闻网联系方式:

电话:0471-6635129 | E-mail:northnews@126.com

http://www.qqtmb.com/81782/4412.html http://www.qqtmb.com/65187/717115.html http://www.qqtmb.com/HQKQ521/152623.html http://www.qqtmb.com/kkyule/17475.html http://www.qqtmb.com/HQKQ521/74467.html http://www.qqtmb.com/85129/57534.html http://www.qqtmb.com/81782/734637.html http://www.qqtmb.com/85129/34476.html http://www.qqtmb.com/HQKQ521/65764.html http://www.qqtmb.com/HQKQ521/33127.html http://www.qqtmb.com/65187/67336.html http://www.qqtmb.com/HQKQ521/7263.html http://www.qqtmb.com/ZGPOQ/257565.html http://www.qqtmb.com/81782/17357.html http://www.qqtmb.com/65187/351264.html http://www.qqtmb.com/HQKQ521/63125.html http://www.qqtmb.com/81782/5676.html http://www.qqtmb.com/ZGPOQ/4775.html http://www.qqtmb.com/HQKQ521/231176.html http://www.qqtmb.com/kkyule/74623.html http://www.qqtmb.com/85129/616662.html http://www.qqtmb.com/GGfec/223341.html http://www.qqtmb.com/HQKQ521/113626.html http://www.qqtmb.com/CQSSC/132374.html http://www.qqtmb.com/81782/531662.html http://www.qqtmb.com/GGfec/71663.html http://www.qqtmb.com/65187/634135.html http://www.qqtmb.com/81782/2534.html http://www.qqtmb.com/HQKQ521/7762.html http://www.qqtmb.com/CQSSC/565452.html http://www.qqtmb.com/ZGPOQ/315212.html http://www.qqtmb.com/85129/131632.html http://www.qqtmb.com/CQSSC/66335.html http://www.qqtmb.com/ZGPOQ/24212.html http://www.qqtmb.com/85129/1713.html http://www.qqtmb.com/85129/641563.html http://www.qqtmb.com/CQSSC/72657.html http://www.qqtmb.com/81782/43371.html http://www.qqtmb.com/ZGPOQ/15715.html http://www.qqtmb.com/ZGPOQ/52776.html http://www.qqtmb.com/CQSSC/131643.html http://www.qqtmb.com/CQSSC/77251.html http://www.qqtmb.com/kkyule/54423.html http://www.qqtmb.com/ZGPOQ/626214.html http://www.qqtmb.com/HQKQ521/416626.html http://www.qqtmb.com/ZGPOQ/74155.html http://www.qqtmb.com/81782/51441.html http://www.qqtmb.com/kkyule/37212.html http://www.qqtmb.com/GDPOL/336137.html http://www.qqtmb.com/GGfec/3674.html http://www.qqtmb.com/81782/33246.html http://www.qqtmb.com/kkyule/71356.html http://www.qqtmb.com/65187/312367.html http://www.qqtmb.com/GDPOL/1476.html http://www.qqtmb.com/HQKQ521/3727.html http://www.qqtmb.com/65187/425372.html http://www.qqtmb.com/CQSSC/551332.html http://www.qqtmb.com/81782/7124.html http://www.qqtmb.com/GDPOL/77633.html http://www.qqtmb.com/81782/431171.html http://www.qqtmb.com/GGfec/71665.html http://www.qqtmb.com/81782/61774.html http://www.qqtmb.com/85129/325671.html http://www.qqtmb.com/GDPOL/314625.html http://www.qqtmb.com/GDPOL/414371.html http://www.qqtmb.com/CQSSC/172517.html http://www.qqtmb.com/81782/61547.html http://www.qqtmb.com/85129/52162.html http://www.qqtmb.com/ZGPOQ/556737.html http://www.qqtmb.com/kkyule/637273.html http://www.qqtmb.com/65187/431742.html http://www.qqtmb.com/65187/45431.html http://www.qqtmb.com/HQKQ521/44171.html http://www.qqtmb.com/HQKQ521/436577.html http://www.qqtmb.com/HQKQ521/75321.html http://www.qqtmb.com/ZGPOQ/46264.html http://www.qqtmb.com/HQKQ521/12765.html http://www.qqtmb.com/GGfec/522676.html http://www.qqtmb.com/81782/262224.html http://www.qqtmb.com/ZGPOQ/514624.html http://www.qqtmb.com/GGfec/32431.html http://www.qqtmb.com/85129/55437.html http://www.qqtmb.com/ZGPOQ/274.html http://www.qqtmb.com/81782/732756.html http://www.qqtmb.com/HQKQ521/626525.html http://www.qqtmb.com/65187/7353.html http://www.qqtmb.com/CQSSC/5442.html http://www.qqtmb.com/kkyule/562361.html http://www.qqtmb.com/CQSSC/25766.html http://www.qqtmb.com/65187/635753.html http://www.qqtmb.com/HQKQ521/27476.html http://www.qqtmb.com/GDPOL/4714.html http://www.qqtmb.com/GDPOL/444777.html http://www.qqtmb.com/65187/336634.html http://www.qqtmb.com/CQSSC/321.html http://www.qqtmb.com/81782/55466.html http://www.qqtmb.com/65187/74672.html http://www.qqtmb.com/kkyule/27244.html http://www.qqtmb.com/ZGPOQ/115755.html http://www.qqtmb.com/kkyule/664771.html http://www.qqtmb.com/5128/24357.html http://www.qqtmb.com/5143/4177.html http://www.qqtmb.com/5133/2722.html http://www.qqtmb.com/5132/742426.html http://www.qqtmb.com/5133/37516.html http://www.qqtmb.com/5125/6154.html http://www.qqtmb.com/5144/557434.html http://www.qqtmb.com/5120/41364.html http://www.qqtmb.com/5148/571657.html http://www.qqtmb.com/5144/422555.html http://www.qqtmb.com/5147/344564.html http://www.qqtmb.com/5134/377137.html http://www.qqtmb.com/5134/13513.html http://www.qqtmb.com/5149/3114.html http://www.qqtmb.com/5136/261557.html http://www.qqtmb.com/5148/331775.html http://www.qqtmb.com/5144/6154.html http://www.qqtmb.com/5129/651342.html http://www.qqtmb.com/5146/377654.html http://www.qqtmb.com/5146/572212.html http://www.qqtmb.com/5142/575762.html