摘要:众所周知，美国是当今世界上最成熟的资本市场，美国人的消费理财方式也与我们大相径庭，是什么原因造成这样的现象发生呢，是美国的开放式理财好呢还是我们的保守式理财好呢，这也将会在下文进行讨论。我国目前正处于经济高速发展时期，人均收入正不断攀升。居民手头上有富余的钱了，是放到银行储蓄起来好呢，还是购买一些理财产品好呢，或者是一部分储蓄起来，一部分拿去投资呢，储蓄跟投资的比例又应该怎样分配呢，投资又该投资什么金融产品好呢，怎样进行投资呢等等这些问题随着经济的发展逐渐在普遍国民的生活中产生了。为了解决这些问题，这就需要专门的机构，一群专业人士来根据客户的不同阶段，不同偏好，不同的投资需求，进行个性化的服务。

关键词：理财方式； 储蓄投资； 个性化服务

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