Are you a spender or an investor?

When you receive lucky money, what do you usually do with it?

当你收到压岁钱时，通常会怎么处理？

• Spend it immediately on things you like, daily expenses and entertainment.

  立即花在自己喜欢的物品上，支付日常开销和娱乐活动。

• Save it for the unexpected.

  存起来，以备不时之需。

• Save it for future investment opportunities.

  存起来，等待未来的投资机会。

• Donate it to charity or help family and friends.

  捐赠给慈善机构或帮助家人朋友。

Imagine your phone is lost, and you need 8000 yuan to buy a new one. What would you do?

假如你的手机丢失了，你需要8000元来买一个新的，你会怎么办？

• Immediately ask parents for money or borrow money to buy a new phone.

  立即向父母要钱或借钱购买新手机。

• Start saving a portion of your pocket money each month until you can afford it.

  每个月存一部分零花钱，直到能够支付。

• Put existing money into the stock market, expecting to earn enough money for a new phone quickly.

  把现有的一点点资金投进股市，期待很快就能挣到一部新手机的钱。

• Use credit cards to buy the phone and pay it off gradually.

  使用信用卡购买手机，并逐步偿还。

If you had the opportunity to invest in a promising new stock market, what would you do?

如果你有机会投资一项新兴市场的股票，你会:

• Buy luxury goods and clothing.

  用来购买更多奢侈品和服装。

• Avoid investing due to perceived high risk.不投资，因为风险太高。

• Invest a portion of your money immediately.

  立即投资一部分钱。

• Invest all of it, expecting high returns.

  全部投资进去，期待高回报。

Which description below best describes your financial situation or attitude？

如下哪个最能描述你的财务状况或态度？

• Spend most of the money on shopping and consumer goods.

  将大部分钱用于购物和消费品。

• Try to save some in a savings account.

  尽量存一些钱到储蓄账户。

• Try to save some for investing.

  尽量存一些钱用于投资。

• Have little to no savings left by the end of the month.

  每月结束时几乎没有结余。

In your opinion, what is the key to financial management?

你认为理财的关键是：

• Frequently changing spending habits to pursue new pleasures.

  经常改变消费习惯以追求新的享乐。

• Saving and accumulating as much material wealth as possible.

  存储、积累尽可能多的物质财富。

• Effectively managing and growing your assets.

  有效地管理和增值你的资产。

• Relying on others to help pay bills and daily expenses.

  依赖他人来帮助你支付账单和日常开销。