Career Women Financial Planning Within The Scope Of Fund Financial Products

The current financing research and planning mostly focus on family financial management. Family financial management generally is based on male. Female usually concerns financing research and planning after marriage. But in general, Chinese career female face more financial crisis than male because the existing state of affairs, that include the lower average income, the earlier retirement, the shorter career time, the longer average life time, the more discontinuity of career, the less opportunity of re-education, the more difficulty of re-employment, the more pressure from career development and marriage, etc. Female will faced more serious financial crisis than male in her whole life.According to the reasoning above, this thesis will explain it is important for female to make different financial management because of the different communication roles and gender roles of male and female, will illustrate it is necessary for female to make early financial management because of the female career development and female career crisis. Based on the family life cycle theory, this thesis discusses the analytical method,the basic principles and the key points in the selection and application of financial products in the different career stage, helps career women establish correct financial concept, understand how to make financial planning, and guiding them to take interest and take participation in fund market.This article is comprised of four parts.Chapter 1: This chapter illustrates that the article chooses to stand at the career women's standpoint, discusses personal financial planning within the scope of funds financial products. It also explains the importance and necessary of female financial management based on the disparity of communication roles and gender roles between male and female. It is necessary for female to make early financial management because of the female career development pressure and female career crisis.Chapter 2: After a brief introduction of Life Cycle and financial management theory, this chapter discusses commonness and individuality of the financial management at different stage of women life cycle and career development. This chapter discusses the Financial Measures,the Financial management objectives and the steps of those different stage.Chapter 3: This chapter introduces financial products in common use provided by funds, discusses some key points and Strategy, and notes some misunderstandings in the selection and application of the products.Chapter 4: This chapter provides a case. It illustrates basic principles, methods and process of financial planning which introduced on the above, citing the example of a typical career woman at the stage between the newly-married period and the childcare period.