The provident fund paid will not be automatically transferred to the bank card every month. You need to handle business. If you handle the provident fund monthly repayment, the bank will deduct the money from the provident fund account every month. If there is money on the bank card for repayment, the money will be deducted from the bank card first, and then an equal amount of money will be transferred from the provident fund account to the bank card. If the balance in your provident fund account is insufficient for the month, you need to deposit cash in the bank.

Currently, you need to open a corresponding financial account when you go to a bank or securities company for financial management. Generally speaking, savings products, bank financial products and fund products can be handled through financial accounts opened by banks. Large banks can also purchase treasury bonds through the banking system. Since bank branches are widely distributed, investment and financial management accounts opened through bank channels can be processed at bank counters. [7]

Financial management accounts opened by securities companies can be used for stocks (including A shares, B shares, H shares, etc.), bonds (including treasury bonds, corporate bonds, corporate bonds, etc.), futures (including financial Futures such as stock index futures, foreign exchange futures, etc., commodity futures such as gold futures, agricultural product futures, etc.) and a series of investment and financial management tools. The opening of a securities account can be done at the business department of each securities company and needs to be done within the trading day.

The procedures for investment companies are relatively convenient. Generally, you only need to provide copies of your ID card and bank card. Investment companies will also customize exclusive financial plans for customers.

The purpose of financial management is not to make a lot of money, but to ensure a secure or better life in the future (so financial management is not just for the rich, working-class people also need financial management ), being good at planning your future needs is important for financial management.

This plan is very long and has three core meanings:

First, financial resources, you must know what your financial resources are;

Second, life Goals, you must have a clear understanding of your life goals;

Third, you must have a series of unified and coordinated plans to ensure that all plans will not conflict and can be achieved when coordinated.

The core content includes insurance plans, investment plans, education plans, income tax plans, retirement plans, and real estate plans. Use cash flow management to integrate all plans, coordinate all plans, and make all plans meet your cash flow. This is the core content of personal finance.