女性创业

视角姬_洋视角:父母和孩子避谈金钱问题乃一大忌

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       从教孩子骑自行车到写感谢信,父母对子女的照顾可谓是无微不至,事无巨细。但是,如果在理财方面你只能教他们一件事,那你的选择会是什么?

 

  最近的一项调查公布了答案:和孩子开诚布公地聊聊钱是怎么一回事儿。该调查显示,在父母和孩子经常聊理财的家庭中,金钱观念比较明智的孩子约占三分之二;而在不聊理财的家庭中,该比例约为三分之一。另外,父母更希望孩子视自己为“储蓄小能手”,并打定主意自己攒钱上大学。

 

  依T. RowePrice金融集团的一位资深理财规划师朱迪思﹒沃德(Judith Ward)之见,父母和子女之间就金钱问题交流不仅可增强其自信心,还会加深其对金钱的理解。以上现象说明,父母和子女之间的交流的确能起到一定作用。

 

 

  但是,调查过程中发现了一个不好的现象,即父母会更倾向于和男孩交流金钱问题。约58%的男孩表示,父母会就理财目标和其讨论,相较之下,只有50%的女孩有此 “待遇”。此外,在家庭中仅有一个男孩或一个女孩的情况下,认为其子女理解1美元价值的父母占比分别为80%和69%。

  

 

       从教孩子骑自行车到写感谢信,父母对子女的照顾可谓是无微不至,事无巨细。但是,如果在理财方面你只能教他们一件事,那你的选择会是什么?

 

  最近的一项调查公布了答案:和孩子开诚布公地聊聊钱是怎么一回事儿。该调查显示,在父母和孩子经常聊理财的家庭中,金钱观念比较明智的孩子约占三分之二;而在不聊理财的家庭中,该比例约为三分之一。另外,父母更希望孩子视自己为“储蓄小能手”,并打定主意自己攒钱上大学。

 

  依T. RowePrice金融集团的一位资深理财规划师朱迪思﹒沃德(Judith Ward)之见,父母和子女之间就金钱问题交流不仅可增强其自信心,还会加深其对金钱的理解。以上现象说明,父母和子女之间的交流的确能起到一定作用。

 

 

  但是,调查过程中发现了一个不好的现象,即父母会更倾向于和男孩交流金钱问题。约58%的男孩表示,父母会就理财目标和其讨论,相较之下,只有50%的女孩有此 “待遇”。此外,在家庭中仅有一个男孩或一个女孩的情况下,认为其子女理解1美元价值的父母占比分别为80%和69%。

 

  对于该调查结果,调查人员无从得知其原因究竟是出于父母的一种“偏爱”还是其他原因(男孩们对金钱话题更感兴趣)。但是,父母有责任和孩子们讨论金钱问题,即便女孩们未对金钱问题发问,父母也应主动提及。

 

 

  身为两个孩子的母亲(一男一女),沃德表示这个调查结果有些出乎意料。通过这件事,其开始对此前和孩子的金钱交流方式进行反思。此外,沃德建议父母和孩子讨论金钱话题的频率至少为一周一次。父母可随时随地和孩子讨论金钱问题,比如一起逛商店的时候,一起去ATM取钱的时候等。培养孩子的金钱观,宜早不宜迟。

 

原文:

 

  The One Thing Parents Can Do To Teach Kids About Money

 

  You teach your kids about all kinds of things, from how to ride a bike to how to write a thank you note. (Parents, please do this.) But what if there was one thing you could do to help your kids gain a better grasp of money management?

 

  According to the latest research, there is. You can talk to them about it.

 

  Two-thirds of kids whose parents frequently talk about family finances feel smart about money versus 37 percent of kids whose parents don’t, says the2014 Parents, Kids & Money Surveyfrom T. Rowe Price.

 

  But that’s not all:

 

  58% of kids whose parents frequently talk to them about saving for college save for their own college versus 23% of kids whose parents don’t.

 

  60% of kids whose parents frequently talk about setting financial goals say they are “savers” versus 46% of kids whose parents don’t.

 

  60% of kids whose parents frequently discuss budgeting say they are very or extremely smart about money, versus 34% of kids whose parents don’t.

 

  The same is true for parents who talk about investment vehicles, such as stocks and bonds—they are more likely to have kids who describe themselves as “savers” and who say they save money so they can go to college.

 

  “Those conversations are leading to higher confidence,” says Judith Ward, a senior financial planner with T. Rowe Price. “Kids are feeling like they are more savvy, so the conversations are really having an impact.”

 

  The bad news: It seems that parents are favoring boys over girls when it comes to financial matters. Some 58% of boys say their parents talk to them about setting financial goals, compared to 50% of girls. And 80% of parents with a boy think he understands the value of a dollar, but only 69% of parents with a girl think the same.

 

  “As a mother of a boy and a girl, I found it a little surprising,” Ward says. “And I also found myself reflecting back on the way I’ve talked to my kids in the past.”

 

  Researchers aren’t certain whether these findings come from a parental bias or because, for instance, boys show more interest in the topic. “It could be that boys are asking more questions about these kinds of things in general,” Ward says. “It’s incumbent upon parents to make sure they are having these conversations with their kids, and if their daughters aren’t asking, parents should bring it up.”

 

  Ward recommends that parents chat with their kids (boysandgirls!) about money matters at least once a week. “If you’re in the store, or if they go to the ATM with you, any excuse to have these conversations is good,” she says. “I’m not sure there is a kid who’s ever too young to learn some of these things.”

 

  The survey was specific to parents of kids ages eight to 14.(原文出处:forbes 网站)

 

栏目介绍:“洋视角”是理财频道新开设的一个栏目,栏目会定期从国外投资理财网站择优挑选一些优秀的投资理财方面的观点文章进行提炼和编译。帮助国内投资者了解到国外投资者最新的动向和观点,以期对国内投资者的投资理财有借鉴意义。

 

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