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Stage involved: From the time when kids are economically independent to the time when the couple are retired
Ages for reference: 48 – 60
Economic status: Your kids have been economically independent, and are stable in work. As your life burden has been greatly eased, you can get ready for the life after the retirement. At this stage, you can pay more attention to the risk control over the investment, and invest the most of fund in hybrid funds, bond funds or other financial products with low risk.
Demand for insurance: At this stage, you have an urgent need of insurance relating to the medical treatment, pension and asset inheritance due to small economic pressure and approaching retirement. Thus, you are suggested to purchase serious disease insurance, pension annuity insurance, lifelong insurance and other related insurance products.