Analysis of the Investment Behavior of the Elderly and Safe Investment Countermeasures

Journal: Modern Economics & Management Forum DOI: 10.32629/memf.v5i6.3362

Yueting Qi1, Boyuan Cheng2

1. China Securities Co..Ltd., Hangzhou 310000, Zhejiang, China
2. Zhuhai Campus of Zunyi Medical University, Zhuhai 519041, Guangdong, China

Abstract

This paper discusses the problems and challenges of the agriculture-related tax system under the rural revitalization, and puts forward the path of reform. The agriculture-related tax system plays an important role in rural revitalization, but there are some problems, such as the challenges faced by the tax system and the impact on farmers' income and agricultural production. In order to solve these problems, the paper put forward the government to guide and support agricultural development, the use of market mechanism and market-oriented reform, social participation and democratic decision-making, promote rural social economic transformation and upgrading and other reform paths. In general, the reform of the agriculture-related tax system under the rural revitalization is necessary, and the rural economic transformation can be promoted by guiding policies and market forces to achieve the goal of rural revitalization.In the context of an increasingly aging population, elderly individuals have become significant participants in the investment and financial management market, while also being the primary victims of many illegal fundraising activities. Therefore, ensuring the financial investment security of the elderly is of great social importance, as it directly relates to societal stability and harmony. This paper analyzes factors such as the investment motivations of the elderly, their criteria for choosing investment institutions, and their responses after investment failures, revealing the main characteristics of elderly investment behavior. To better guide elderly individuals in financial management and investment, the government and relevant authorities should actively formulate corresponding laws and regulations, strengthen investment risk education for the elderly, and provide reasonable investment advice. This will help the elderly adhere to principles such as capital preservation, short-term investments, and diversified asset allocation, ensuring they can achieve safe financial management and reasonable investments.

Keywords

elderly, investment motivation, financial education, risk awarenes

References

[1] Lu, M. (2019). "The Risk of Internet Finance Around You: Do You Understand?" Financial Review, 2019(3), 44–47.
[2] Cheng, Y., Chen, G., & Xiong, X. (2018). "Analysis of the Influencing Factors of Financial Management Among Urban Elderly in Beijing." Population and Society, 2018(1), 41–51.
[3] Xu, H. (2018). "Current Status and Preventive Suggestions for Internet Illegal Fundraising in the Context of Internet Finance." Modern Finance, 2018(10), 29–31.
[4] Huo, X. (2018). "Characteristics of New Forms of Illegal Fundraising and Preventive and Disposal Suggestions." Chinese Banking Industry, 2018(9), 19–21.
[5] Xu, B., et al. (2019). "Research on the Uncertainty Factors and Growth Path of RMB Internationalization under the Influence of De-globalization." Journal of Yunnan Normal University, 2019(1), 76–84.
[6] Xu, Y., et al. (2019). "Research on Optimizing Government Macro-control Methods in the Context of Big Data." Southwest Finance, 2019(1), 37–43.
[7] Xu, Y., et al. (2019). "Basic Research on Building a Joint Development Model for Commercial Banks and Private Enterprises." Journal of Jinan University, 2019(2), 137–145.
[8] Lu, M. (2019). "Prospects for the Ecological System of Internet Finance." Financial Review, 2019(1), 74–75.
[9] Zhou, J., et al. (2019). "Strategic Considerations for Embedding Financial Technology into the Commercial Bank Ecosystem." Rural Finance Research, 2019(2), 44–49.

Copyright © 2025 Yueting Qi, Boyuan Cheng

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License