Investment Education Zone - Wealth Growth Strategy: Life Stage Financial Planning Guide

Wealth Growth Strategy: Life Stage Financial Planning Guide

We must develop financial plans according to different stages of life to enjoy every moment of it.

20-year-old Active Learning Stage
During this stage, we should equip ourselves with knowledge of common financial instruments, such as stocks, futures, funds, bonds, foreign currencies and insurance policies and recognize their returns and risks. Mastering the know-how of financial management and cultivating the good habits of living within one's means will lay a solid foundation for your whole life.

30-year-old Family and Career Stage
This could be your time of fighting for the future. With several years of work experience, you are already financially independent, or maybe preparing to establish your own family, raise your next generation and purchase a property. Still being young, you could consider a relatively aggressive investment portfolio, such as stocks, derivatives and others, for higher returns. Also, have a life insurance plan to better protect yourself and your family. It is also essential to accumulate sufficient savings at this stage, with a minimum of six months of salary reserved for major expenses and unexpected needs.

40-year-old Financial Stability Stage
A certain financial foundation has been established, while considerable work and investment experience have also been accumulated. As the pillar of the family, you have not only well-prepared for your children’s education expenses, but also start to plan for your future retirement. On top of education funds with savings elements and stable returns, you can prepare a whole life insurance plan for better enjoyment in your next life stages.

50-year-old Retirement Planning Stage
Your children have grown up, while property mortgages or personal debts will soon be paid off. Before preparing for retirement, you may wish to review your investment portfolio and plan for wonderful retirement life. Investment at this stage should be shifted from aggressive to stable, in pursuit of returns while gradually lowering the risk levels. Consult a professional financial adviser on appropriate asset allocation plans.

60-year-old Retirement Life Enjoyment Stage
In the retirement stage, enough assets have been accumulated and fruitful returns from personal investments, such as retirement funds, savings life insurance plans, stock dividends. While enjoying life, you will start to plan for asset inheritance arrangements that will benefit your next generations.


Different stages of life must be matched with different financial management plans and packages. In order to be literate and take control of your own life, you must make the right moves for each and every step.

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