“孩子，妈妈帮你存起来！”不少孩子收到压岁钱后，总会听到这句话。这也被年轻一代称为“最大的谎言”。今年，越来越多的家长开始重视财商教育，选择让孩子参与压岁钱管理的家长大增。记者了解到，最近几天，到银行替孩子开户的家长不在少数，致电基金公司咨询如何给孩子开户的电话也迅速增多。

"The child,Mother help you to save it!"After many children receive lucky money,Hear this sentence.It was also known as the younger generation"The biggest lie".This year,More and more parents begin to attach importance to financial education,Select parents let the child to participate in the New Year's money management.The reporter understands,In recent days,To the bank to open an account for your child's parents,Call fund company consulting how to increase in the number of telephone also quickly to open an account.

　　因为16岁以下孩子还没有身份证，家长们最关心的问题是“16岁以下孩子能不能开户”。记者询问了不同银行和基金公司，获得了肯定答复。只要携带监护人身份证和家庭户口簿，并证明监护人和开户人是父 （母）子（女）关系，即可帮孩子开立银行卡，也能开设基金账户。基金账户个人信息须与银行卡信息一致。

For children under the age of 16 is not yet id,Is the most concern of the parents"Children under the age of 16 can open an account".Reporters asked the different bank and fund companies,Get the sure answer.As long as the guardian to carry identity CARDS and family residence booklet,And prove the guardian and the account holder is the father (The mother)The child(female)Relationship between,Can help children to open bank card,Also can open fund account.Personal information must be consistent with bank card information fund account.

　　压岁钱投资什么，是另一个被问得最多的问题。过去，不少家长习惯帮孩子存一个定期。然而定存收益率缺乏吸引力，平日里也不方便取出。目前，投资门槛较低的公募基金，因产品种类众多，成为压岁钱理财的主阵地。

New Year's money invest,One of the most serious problems is another asked.In the past,A regular habit many parents help children to save.But deposits yield less attractive,Who also don't convenient take out.At present,Low investment threshold of public funds,For many product categories,Be lucky money finance main land.

　　上海证券基金研究中心分析师刘亦千表示，压岁钱数额并不是很大，而且这笔钱是长期性的，建议把压岁钱投资重点投股票类高风险产品。如果赚了，孩子也可以取出盈利，分享到投资带来的甜头，如果亏了，可以让孩子明白理财需要忍耐和等待，投资需要长期坚持，短期只能是投机。此外，没有哪一类资产能永远表现良好，所以，不妨建立一个小的资产配置，既有高风险的，也有低风险的。如3000元的压岁钱，可购买1000元股票型基金，1000元债券型基金，还有1000元另类基金，如大宗商品类QDII基金，并根据经济走势不断调整几类基金的比例。这样，资产可以在分散中增值，孩子也可以看到不同投资标的的差异。

Research center, an analyst at Shanghai securities fund LiuYiQian said,New Year's money amount is not big,And the money is long-term,Propose a stock invest money on risky products.If you make a,Children can also take out to make a profit,Share the benefits of the investment,If lost,Can let the child understand that finance needs patience and waiting,Investment need insist for a long time,Short-term is only speculation.In addition,What kind of assets can not always do well,so,Might as well build a small asset allocation,Both the high risk of,Also has a low risk.If 3000 yuan of money,To buy stock funds of $1000,Bond funds of $1000,And alternative funds of $1000,QDII funds such as commodities,And according to the economic trends constantly adjust the proportion of funds.such,Assets can be dispersed in appreciation,Children also can see the differences between the investment targets.

　　某基金一位渠道经理告诉记者，很多家长不让孩子接触钱，结果等孩子进了大学，一下子掌握数千元的学费和生活费，他们可能不知道怎么更合理使用，很多人不久就遭遇“财务危机”。财商高低关乎孩子一生幸福。让孩子管理压岁钱，已成为财商教育的试验田。

The fund a channel manager told reporters,Many parents don't let the child contact with money,The results, etc. Children go to college,Suddenly grasp thousands yuan tuition fees and living expenses,They might not know how to more reasonable to use,A lot of people soon"The financial crisis".Financial intelligence is a synergy4 discretion about children a lifetime of happiness.For children to manage money,Has become a financial education in the field.