恭喜发财，红包拿来。春节期间孩子们的小口袋也会被长辈给的压岁钱塞得鼓鼓囊囊，少则几百元，多的能达到数千甚至上万元。压岁钱年年都有，今年孩子们的压岁钱行情如何，又该如何支配呢？记者在采访中发现，除了传统的储蓄，不少家长会购买黄金或者理财产品等，通过压岁钱，培养孩子正确的金钱观以及理财观念。

Kung hei fat choi,A red envelope for.During the Spring Festival children small pockets are bulging elders to give the lucky money,Less is hundreds of yuan,How can reach thousands of even tens of thousands of yuan.Lucky money every year,This year children lucky money market,How do you control?Reporter discovered in the interview,In addition to the traditional savings,Many parents to buy gold or wealth management products, etc,Through the New Year's money,A correct concept of money and finance training children.

　　

今年“行情” This year"market"

　　压岁钱变“厚”了 New Year's money is"thick"the

　　“以往奶奶、外婆给的压岁钱都是1000块，今年就像约好了似的，全部涨成了2000元。”更让林女士意外的是，就连朋友之间互给对方孩子的压岁钱也变“厚”了。

"In the past my grandma/My grandmother give lucky money is 1000 pieces,As if she have an appointment this year,All go into 2000 yuan."More let the surprise of Mrs. Lin,Even between friends give each other the child's New Year's money became"thick"the.

　　“我有几个要好的朋友，每年初五都会约好了带着孩子到我们家玩。”林女士告诉记者，一进门几个朋友就相继把红包塞到孩子手上，自己拿过来的时候发现厚度与往年明显不同，后来找了个机会看了一下，竟然全部是500元。我给几个朋友孩子的红包还是按200元的老习惯准备的，幸亏发现及时，要不然就糗大了。”林女士把每个红包补足到500元才塞进了几个朋友的口袋里。节后林女士一清点，过年期间孩子一共收到了9700元的压岁钱，“这个收成，都赶上我两个月的工资了。”

"I have a few good friends,Every fifth about ready to take their children to our house to play."Ms. Lin told reporters,A few friends that take the door have put red envelopes to children,You bring them here find thickness obviously different with previous years,Then find a chance to see it,Actually all is 500 yuan.I give a few friends children red envelopes or prepared according to the 200 yuan of old habits,Thanks to find timely,Or just embarrassing."Lin tucked each red envelopes make up to $500 just a few friend's pocket.After Ms. Lin a count,Children received a total of 9700 yuan during the Chinese New Year lucky money,"The harvest,Catch up with me two months 'salary."

　　

压岁钱是要“还”的 New Year's money was to"also"the

　　“今年的压岁钱好像是涨了一点。”带着孩子回泰州婆家过年的李女士说，往年老公家一些亲戚给孩子的压岁钱还有100元的，今年的“起步价”全部涨到了200元，家里比较亲的亲戚，比如孩子的姨婆、舅爷爷，给孩子的红包也从往年的800元涨到了今年的1000元。

"This year's New Year's money seems to be up a little."Brought the children back to taizhou husband's family for the holiday, Ms. Li said,In previous years, the husband home relatives give children lucky money. There are 100 yuan,This year's"Start at"All rose to 200 yuan,Home is close relatives,Such as the child's aunt/My uncle grandpa,Give their children red envelopes from the usual 800 yuan rose to 1000 yuan this year.

　　“其实压岁钱也是人情债，都是要还的。”董女士有个4岁的女儿，女儿出生后的第一个春节，她便跟自家同辈的堂姊妹、表姊妹说好了，反正都有孩子，干脆互相抵消得了，“要不然人家包个红包给我，我还得再包个同样数目的红包还回去，也没多大意思。”

"Actually money is also a debt of gratitude,Are also the."Ms dong have a 4 year old daughter,The first Spring Festival after our daughter was born,She will have with their peers in the church sisters/Cousin said,Anyway, all have children,Just cancel each other out,"Or pack a red envelope to me,I also need to package a return as many red envelopes,Didn't mean much."

　

　压岁钱有“逆差”了 New Year's money has"deficit"the

　　“今年不仅没有压岁钱收，还得给弟弟妹妹们发压岁钱。”老家在盐城的小朱去年刚刚走上工作岗位，工作后的第一个新年，本来还挺乐呵的，可等到过年的时候小朱还是小失落了一把，“按我们老家的习俗，工作后就没压岁钱拿了。”更让小朱“失衡”的是，自己不仅从舅舅、姨妈那损失了一大笔压岁钱，还得给正在上学的表弟、表妹们派发压岁钱，“一个人200块，转眼1200就没了。今年因为刚工作，所以给得少，不知道明年会不会‘涨价’。”好在爷爷、外公念在她还没结婚的份上，依然派发了压岁钱，小朱这才找回了一点“平衡”。

"Not only have no money this year,Have to send money to little brothers and sisters."Hometown is a small in yancheng zhu last year just on work,The first New Year's eve after work,Was also happy,Can wait for a little zhu or lost during Chinese New Year,"According to the custom of our hometown,Don't lucky money took after work."More let xiao zhu"imbalances"Is the,Themselves not only from my uncle/Aunt that lost a large sum of money,Have to give are cousin to school/My cousin out lucky money,"One to 200 pieces,1200 it is gone.Because just work this year,So give less,Don't know what will be next year‘Rise in price’."Fortunately, grandpa/Grandpa read in haven't get married for the sake of her,Still pay the money,Small chu found this point"balance".

　

　和孩子一起理财 Wealth together

　　新华社昨天发文称，随着孩子们压岁钱水涨船高，一些浙江的家长开始试着和孩子一起管理这笔“小财富”，以此培养孩子们的理财观。记者采访了解到，其实在南京，这样的家长也大有人在。

The xinhua news agency said yesterday,As the children lucky money,Some parents in zhejiang province began to try to management the together"Little wealth",To cultivate the children's financial outlook.Reporters learned that,In fact in nanjing,Such parents are abundant.

　　

二年级就有了“小金库” Second grade"Slush fund"

　　“别看我们家孩子刚上初一，但从小学二年级开始，压岁钱就由他自己保管、支配了。”记者昨天在采访中得知，楚女士早早“放权”给孩子自行管理压岁钱。

"Just don't see our family children in grade,But since second grade,New Year's money is kept by the himself/Dominated the."Reporters learned yesterday in an interview,Ms chu early"To delegate"Give their children to manage money.

　　有句俗话说得好，“大人盼种田，小孩盼过年。”给孩子压岁钱是春节特有的风俗之一。压岁钱是每个孩子过年的企盼，不过随着压岁钱行情的“水涨船高”，不少家长在压岁钱的处理上也会显得犹豫不决，全部给孩子吧，担心孩子挥霍一空；控制在自己手上吧，又会遭到孩子的强烈“抗议”。

We have a saying in well said,"Adults to farming,Children look forward to New Year's day."Give children lucky money is one of the special Spring Festival customs.New Year's money is every child the expectation of a New Year,But as the New Year's money market"A rising tide lifts all boats",Many parents in the New Year's money will also be on the processing of indecision,All for their children,Worry about children frittered away;Control in own hand,Being a child again"protest".

　　“我们从孩子小学二年级开始，就把压岁钱全部交给他自己管理了。”楚女士清晰地记得，孩子小学二年级的那个春节一结束，她便带着儿子小宇到银行开了一个压岁钱专用账户，“第一年只存了500元，第二年大概是1000元。”

"We start by second grade children,Management can give lucky money all to himself."Ms chu clearly remember,Children primary school second grade one end of the Spring Festival,She took the son xiaoyu special account opened a New Year's money to the bank,"In the first year only have saved 500 yuan,In the second year is about 1000 yuan."

　　

每个月底分析账单 At the end of each analysis

　　把“巨款”完全交到一个孩子的手上，不担心孩子乱花钱吗？“把钱交到他手上的同时，我也给他买了一本记账本。”楚女士坦言，刚开始孩子的确会“失控”，但好在有记账本，每到月底，她便会和孩子对照记账本一起来分析：这个月花了多少钱？钱都花在了什么地方？哪些钱是必须花的，哪些钱则是可以节省下来的？“我也明确告诉孩子，钱虽然在他手上，但父母有监督花费去向的权利。”不仅如此，楚女士还制定了简单的奖惩措施，如果这个月超支了，下个月的用度必须缩减；如果这个月用得少，下个月的额度则会相应增加。反复几次，孩子便能很好地控制开支了。

the"money"Entirely in the hands of a child,Concerned about their children not to waste money?"To put the money into his hands at the same time,I also bought him a charge to an account book."Ms. Chu said,First child does"Out of control",But fortunately have this charge to an account,Each to the end of the month,She will come with children against this charge to an account analysis:How much you spend on this month?The money is spent on what place?What is must spend money,Which money can be saved?"I clearly tell their children, too,Although money in his hand,But the parents have the right to supervise cost to."Not only that,Ms chu also made the simple rewards and punishments measures,If overspent this month,Measurements must be cut next month;If this month with less,Next month, the amount will increase accordingly.Repeated several times,Children can well to control spending.

　

　放贷资助老爸买车 Lending support dad to buy a car

　　随着孩子年龄的增长，楚女士还惊喜地发现，小宇不仅学会了如何花钱，还很会用在“点子”上：父母结婚纪念日，小宇会主动掏钱为父母庆祝；一家人外出游玩，小宇总是用压岁钱来支付自己的机票钱；家里买车的时候，小宇主动提出可以从压岁钱里拿出5000元贷款给老爸……更令楚女士感动的是，家里有一段时间资金比较紧张，小宇发现后主动从压岁钱的存款中拿出了1000块钱悄悄塞给妈妈，让妈妈贴补家用。

As children the growth of the age,Ms chu also surprised to find that,Small yu not only learned how to spend money,Is will be used in"ideas"On the:Parents wedding anniversary,Small yu will take the initiative to pay for their parents to celebrate;The family go out to play,Small yu always use New Year's money to pay for your plane ticket;When buying a car at home,Small yu offered can be took out 5000 yuan from the money loaned to dad……Is ms chu more moving,Home there was a time when money is tight,Small yu found after the initiative took out $1000 from money deposit slip to mom,Let mom.

　　“今年收到的压岁钱还在枕头底下压着呢。”楚女士笑着说，现在她已经不知道孩子“小金库”到底藏了多少钱，不过自己却一点都不会担心，“我相信他能很好地支配每一笔钱。”现在有很多父母都不放心把压岁钱交给孩子打理，楚女士却希望有更多的父母能够适当“放权”，让孩子在实践中养成正确的金钱观。

"Receive lucky money this year also pressure it under her pillow."Ms. Chu said with a smile,Now she don't know baby"Slush fund"How much is hidden,But wouldn't be worried about himself,"I believe that he can govern each a sum of money."Now there are a lot of parents don't need to worry give lucky money to children,Ms chu has hope more parents appropriately"To delegate",Let the child in practice to develop the right money.

　

　代孩子理财 Generations of children money

　　大多数家长还是习惯将孩子的压岁钱收上来统一管理。传统型老妈直接把压岁钱存银行；“未雨绸缪型”的妈妈则把压岁钱用来购买金条，将来孩子结婚的时候能派上用场……对照对照，你家属于哪一型？

Most parents are used to the child's New Year's money ended up unified management.Traditional mom the money directly to the bank;"Type for a rainy day"Mother put the lucky money to buy gold bars,Children are married can come in handy in the future……Contrast contrast,Your home belong to which type?

　　

“保守型”最爱存银行 "conservative"Favorite memory bank

　　“孩子生下来的第一个春节，我就以孩子的名义在银行开了一个户头，每年的压岁钱全部存银行。”和顾先生一样的“保守型”家庭，都偏好把孩子的压岁钱存起来，网友“lhy7390”也表示，孩子的压岁钱都存着，将来可以作为孩子的教育基金。网友“志邦悠悠”年前就给女儿在银行开了一个户头，虽然没什么钱，但她觉得女儿的压岁钱要帮着攒起来，等孩子长大了可以让孩子自由支配。

"Children born of the first lunar New Year,I'm in the name of the child opened an account at the bank,Every year New Year's money all Banks."The same with Mr Gu"conservative"family,Tend to save the child's New Year's money,Net friend"lhy7390"Also said,Children with lucky money,In the future can be used as the child's education fund.Net friend"Zhibang leisurely"Years ago, her daughter in the open a bank account,Although didn't have much money,But she felt that her daughter's New Year's money will help to save up,Kids grow up can let the children free.

　　除了把压岁钱存起来，“保守型”家庭还会把压岁钱用来交孩子的商业保险，网友“慧子369”就表示，自己给宝宝办了分红型的保险，10年期的，每年1万，“用她的压岁钱交，不够的我自己来垫。”

In addition to save money,"conservative"Family will put the lucky money to children's commercial insurance,Net friend"Hui son 369"It said,Your baby do the insurance of share out bonus,The 10-year,10000 a year,"With her New Year's money to pay,Not enough I myself to pad."

　　

“远见型”偏好买金条 "visionary"Prefer to buy gold bars

　　单纯储蓄担心因为通货膨胀而“缩水”，记者在采访中发现，还有一部分家庭偏好用孩子的压岁钱买金条。网友“冰雪飘月”就表示，生完女儿的第一个春节拿压岁钱开始，自己就每年给她买金子，每年固定20克，“等到她出嫁，我最少应该有500克金子给她陪嫁，比较保值啊。”网友“惟惟妈”和“冰雪飘月”想到了一块，“我每年都再贴点给孩子买根金条存着，想着丫头出嫁时拿出20几根金条，多美啊！”

Pure worry because inflation and savings"shrink",Reporter discovered in the interview,Part of this family preference with the child's New Year's money to buy gold bars.Net friend"Snow and ice floating on the"It said,Given birth to her daughter's first Spring Festival and New Year's money,They each year to buy her gold,Fixed 20 grams of each year,"When she get married,I should have at least 500 grams of gold to give her to him,More value!."Net friend"Jui jui mom"and"Snow and ice floating on the"Think of a piece of,"I check back every year to buy gold bar to save the child,Thinking about when the girl get married out of 20 a few gold bar,How beautiful!!"

　　

“爱心型”捐出一部分 "Love type"Donate a portion of the

　　“我还有个想法，想捐少许给需要帮助的人，但不知道通过什么渠道，这只是我的想法，不知道能否实现。”网友“婴儿粉嘟嘟”是属于“爱心型”的，记者从南京市希望工程办公室了解到，以往春节后，的确有孩子会拿出自己的一部分压岁钱捐赠给希望工程。

"I have an idea,Want to contribute a little to the people who need help,But I don't know through what channel,This is just my idea,Don't know can be fulfilled."Net friend"Baby powder doodle"It is to belong to"Love type"the,The reporter understands from nanjing hope project office,In the past after the Spring Festival,Indeed, children will come up with their own part of the money donated to project hope.

　

　理财经理给建议 A wealth manager give advice

　　除了直接存银行，孩子的压岁钱还有哪些处置方式呢？让我们来听听理财师的建议吧。工行新街口支行理财经理张于静表示，目前该行没有针对压岁钱而推出的专门理财产品，但现有的一些理财产品可供家长们参考选择，比如现在有一款100多天的短期理财产品，预期年化收益率为4%。不过短期理财产品一般都要求5万元起步，对于大部分家庭来说，可能得先攒个几年的压岁钱才能购买这些理财产品。如果压岁钱的金额不多，张于静建议家长们不妨考虑考虑基金定投或者黄金定投。很多家庭都不太会动用到孩子的压岁钱，如果孩子的压岁钱长期不动用的话，银保类的产品也是个不错的选择。（扬子晚报记者 薛玲）

In addition to the deposit bank directly,Children lucky money what treatment?Let's listen to the financial planner's advice.Xinjiekou sub-branch of icbc wealth manager zhang jing said,At present the bank not for money and special products,But some of the existing products to provide a reference for the parents to choose,Now there's a more than 100 days of short-term financial products,Expected annualised return of 4%.But short-term financial products generally require 50000 yuan to start,For most families,May have to save up a few years before New Year's money to buy these products.If the amount of money is not much,Zhang in static recommend parents consider fund is cast surely cast surely or gold.Many families are less likely to use lucky money to children,If the child's New Year's money is not used for a long time,Bank-insurance product class is also a good choice.(Xue Ling yangzi evening news reporter)