摘要:眾所周知，美國是當今世界上最成熟的資本市場，美國人的消費理財方式也與我們大相徑庭，是什么原因造成這樣的現(xiàn)象發(fā)生呢，是美國的開放式理財好呢還是我們的保守式理財好呢，這也將會在下文進行討論。我國目前正處于經(jīng)濟高速發(fā)展時期，人均收入正不斷攀升。居民手頭上有富余的錢了，是放到銀行儲蓄起來好呢，還是購買一些理財產(chǎn)品好呢，或者是一部分儲蓄起來，一部分拿去投資呢，儲蓄跟投資的比例又應(yīng)該怎樣分配呢，投資又該投資什么金融產(chǎn)品好呢，怎樣進行投資呢等等這些問題隨著經(jīng)濟的發(fā)展逐漸在普遍國民的生活中產(chǎn)生了。為了解決這些問題，這就需要專門的機構(gòu)，一群專業(yè)人士來根據(jù)客戶的不同階段，不同偏好，不同的投資需求，進行個性化的服務(wù)。

關(guān)鍵詞：理財方式； 儲蓄投資； 個性化服務(wù)

Abstract:As we know, America is the most mature capital market in the world. The consumption patterns and financing methods between American and us are quite different. Why this phenomenon happens? Which one is better? It will be disscussed in the following text. Currently our country is experiencing a rapid economic development, the per capita income is growing fast. Residents have some extra cash and have no idea whether to put it in the bank or use it to purchase financial products. If they want to buy financial products, which products are better and how to invest are two big problems. In order to solve these problems, we need specialized agencies and professionals to provide personalized services.

Key words：financial management； saving and investment； personalized services