压岁钱你中意怎么花？

New Year's money you like how to spend?

　　大孩子爱购物，小朋友烦“被理财”

Older children love shopping,Children of"Be financial"

　　理财人士建议根据自身情况巧妙打理压岁钱

Financial personage proposal according to oneself circumstance clever do New Year's money

　　羊城晚报记者 戴曼曼

The yangcheng evening news reporter DaiManMan

　　俗语道“小孩爱过年，大人怕花钱”，孩子们之所以乐意过年，除了有个悠闲假期可以吃喝玩乐，最开心的莫过于“逗利是”、“讨红包”。虽然各地给压岁钱的风俗不同，但相同的是手上留下的这笔钱也成为一个“甜蜜烦恼”，压岁钱到底该如何花呢？

Saying word"Children love Chinese New Year,Adults afraid of money",The children are happy to New Year's day,In addition to have a relaxing vacation can beer and skittles,The most happy way"Tease the is"/"Get red packets".Although the New Year's money to the customs of different,But the same is left hand of the money also become a"Sweet trouble",New Year's money how should flower?

“小屁孩”最烦被理财 "Small fart child"The most irritated is financial

家长陪同到银行存钱 Accompanied by the parents at the bank to make a deposit

　　羊城晚报记者在广州农林下路一家银行恰逢正在办理业务的郭女士和女儿。郭女士告诉记者，这个年过下来，自己的闺女可谓收获颇丰，压岁钱接近8000元。但这么多的钱如果完全交给孩子处置，让她不免担心，于是自己跟女儿一商量，决定一起来银行开个专属账户存起来，“女儿已经四年级，也该培养下她的储蓄意识了”。

The yangcheng evening news reporter in guangzhou road bank agriculture and forestry attention is being dealt with business guo woman and her daughter.Guo lady told reporters,This year a down,His daughter is the harvest quite abundantly,New Year's money to nearly $8000.But so much money if fully to children disposal,Let her not worry,So with his daughter to a,Come to opening a bank account exclusive save,"She was grade four,Also the culture conditions of her savings the consciousness".

　　郭女士说前些日子看到新闻说有人已经用压岁钱买了套房，给自己提供了帮女儿打理好压岁钱的思路，“刚开始我想代管这笔钱，放进家庭储蓄里一起买理财产品，但是女儿不同意”。

Ms kuo said the other day to see the news said that someone has with New Year's money bought suite,To provide the help daughter doing the thinking of New Year's money,"At first I want to hold the fort the money,In the household savings to buy financial products together,But the daughter don't agree".

　　郭女士的女儿告诉记者，自己的压岁钱和班里的小朋友比起来也就是中等水平，“班里的晓晓去年就用压岁钱买了一整套她最爱看的漫画”，但是自己的压岁钱却被“剥削”已久，这让她今年不太愿意让妈妈代管压岁钱。

Guo woman's daughter told reporters,Their New Year's money and children in the class than is the medium level,"Class last year New Year's money bought xiaoxiao with a set of her favorite cartoon",But their New Year's money was"exploitation"Already a long time,This let her this year not too willing to let mother agency New Year's money.

　　郭女士对此表示理解，但是觉得8000元直接交给女儿保管还是不放心，两人商量后的结果是由妈妈再添上2000元凑成1万元，存够1年定期，“等明年孩子大了，又收到压岁钱看看她会不会有新想法”。

Guo woman understands that,But think 8000 yuan directly to the daughter custody or not trust,Two people to discuss the results after by mother add 2000 yuan add up to 10000 yuan,Saved enough 1 year regularly,"And the child became big next year,Look at her and receive lucky money will have new ideas".

　　记者计算了下，以1年存款利率3.25%计算，1年的利息约为325元。郭女士表示，其实利息不多自己也清楚，但是最紧要的是要培养孩子的理财意识，约束她不乱花钱。

The reporter was calculated,With 1 year deposit interest rate 3.25% computation,1 year interest about 325 yuan.Ms kuo said,Actually not much interest myself clear,But the most important is to cultivate children's financial management consciousness,Constraint she don't waste money.

大孩子喜购物不手软 Older children like shopping not thine hands be slack

有人提前消费还卡债 Some advance consumption also card debt

　　北方多数地区，年轻人只要一工作就没法再拿到压岁钱。相比起来，广东地区的靓仔靓女就好彩得多，只要未婚就可以“逗利是”讨要红包。

North most areas,The young man as long as a job can't get lucky money., by contrast,The guangdong area of handsome pretty girl good color more,As long as the single can"Tease the is"For red packets.

　　小游今年刚工作，身为北方人的她虽然无法在家里讨要红包，但是开工第一天，她还是入乡随俗“扫楼”讨要利是，一天下来，利是约有3000多元。

Small tour this year just work,As the people of the north though she is not at home for a red envelope,But to start the first day,She still do in Rome as the Romans do"Sweep floor"Scrounge the is,One day down,The is about 3000 yuan.

　　小游说这对她来讲绝对算“计划外”收入，因此消费起来也不手软，拿到利是没多久就在网上订购了某品牌的相机，还给自己添置了丝巾等小物件。

Small lobby for her speaking is absolute"unplanned"income,So consumption rise also not thine hands be slack,Get is not as long as the online ordering a certain brand of camera,Back to their acquisition of silk scarves, and other small objects.

　　小游的同事阿洛则是预备第一时间去还“卡债”。身为广州本地仔的他比起小游，收到亲朋好友的红包更多。而他已经在年前提前支出了这笔钱，“买了新款的手机、平板电脑，还给自己和女友买了新衣，差不多就1万了”。因此，阿洛虽然收到了不少利是，但是已经不敢再大手笔消费，“冇办法，要还卡债先”。

Small swim colleagues, los is prepared to pay the first time"Card debt".As the guangzhou local young than his little swim,Receive red envelopes more relatives and friends.And he has been in years ago the money spending in advance,"Buy a new cell phone/Tablet PC,Back to his girlfriend and bought new clothes,About 10000".so,O los although received a lot of the is,But is not big to consumption,"No way,To return card debt first".

　　记者了解到，其实不少“后生仔”在领到利是后，都更加中意消费购物，“因为钱不多，不如花出去给自己有个好心情”，小游这样告诉记者。

The reporter understands,In fact many"Young man"After getting the is,More like shopping consumption,"Because she had very little money,It is better for him to spend out to have a good mood",Small swim told reporters.

建议 Suggestions

压岁钱也能巧理财 New Year's money can also skillful financial management

　　某国有银行天河支行的理财经理杨小姐告诉记者，虽然压岁钱一般数额不大，但是也可以巧妙打理。

A state-owned bank tianhe subbranch of a bank financial manager miss Yang told reporters,Although New Year's money general amount is not big,But also can do the clever.

　　杨经理说，一般来讲，目前理财产品的起购金额最少为5万元，因此买理财产品有点儿不太现实，“但是也可以选择和年终奖金一起购置理财产品”。她表示，自己客户的小孩一般还是选择储蓄的比较多。

Yang manager said,Generally speaking,The current financial products for at least the amount is 50000 yuan,So buy financial product a little not too realistic,"But also can choose and purchase financial products with bonus".She said,Their customers' children generally still choose to save more.

　　那单笔的压岁钱除了储蓄是不是别无他法了呢？杨经理建议，客户可以根据自身的情况合理安排，比如具有一定风险承受能力的成年客户可以选择先存进银行里，然后进行基金定投，也可以单笔购买基金、股票等。

The single pen's New Year's money in addition to saving is have no choice but to now?Yang the manager suggested that,Customers can according to the circumstance of oneself reasonable arrangement,Such as have certain risk to bear ability of the customer may choose to deposit in the bank,Then fund to be cast surely,Can also buy fund single pen/Stock, etc.

　　在杨经理看来，压岁钱只是一种说法，其实就是聚集在手中闲置的钱，可以选择自己习惯的方式进行理财。但杨经理也特别提醒，无论选择何种投资方式，都要根据个人情况而定，考虑到其中的风险。

The manager looked in Yang,New Year's money is just a saying,In fact is gathered in hand idle money,Can be used to choose their own way financing.But Yang manager also special remind,No matter choose which investment,Will according to individual circumstance and decide,Considering the risks.