Notes on Monday Financial Day: How can a woman live a proud life?
I studied textile design in college. I worked as a civil servant for six years after graduation. I have no concept of money since I was a child. It can be said that I was a financial manager before I was 30.
30-year-old, graduated from MBA and worked as a consultant for three years. High salary, five-star hotels and famous tourist cities are nothing new to me. One year 1 1 more than a month of business trip, more than 80 hours of work intensity per week, missing my family, worrying about the status of the leftover women, and being confused about the future, I chose to start over.
So at the age of 30, I began to systematically learn the knowledge of investment and financial management, jumped to my favorite job, spent more time with my family and friends, found the other half of my life, began to fall in love, get married, have children, and gradually moved towards financial freedom, no longer worrying about wages. ...
Thank you for your personal experience and want to share it with you: women, please remember to live a proud life whenever possible, including having independent thoughts and interests; No matter at what stage of your life, please enjoy your life seriously and happily. At the same time, learning some financial knowledge and letting money support you can give you more opportunities to choose how to live.
There are no shortcuts, but there are some experiences for reference.
1. If you are confused, keep learning.
Many friends in the financial sector left me a message, "What should I do if my salary is not high, my future is uncertain and my life is confused?"
This reminds me of my time as a civil servant. After graduating from college, I did not enter the textile or trade industry like other students in my class, but worked as a civil servant for six years. The salary of civil servants is not high, and their work tasks are not idle, but there is always a sense of boredom. So, I squeezed out some time to read books, recite words and go to night school ... although I didn't have a clear goal at that time, I used this way to enrich myself. And in the process, I gradually realized that my personality was not suitable for being a civil servant, so I decided to quit my job and study for an MBA.
Two years of MBA life has brought me great changes. On the one hand, I have accumulated a lot of professional knowledge, contacted classmates from all over the world, and started my first venture and my own company with one of the international students. At the same time, during my further study, I went to BCG (Boston Consulting), HSBC (HSBC) and other well-known enterprises to work and practice, which greatly broadened my horizons and made my way of thinking more comprehensive and mature.
In 2008, the domestic stock market was quite hot. I began to study the stock market, and at the same time I began to share my views on investment and financial management online, which gradually attracted more and more people's attention. In 20 12, my first book, Every Day Before the Age of 30, was officially published.
Along the way, if you really want to ask me, "What should I do when I am confused?" Because everyone's situation is different, I can't answer it yet, but in my opinion, by studying, researching and doing something meaningful to you, you will gradually find your own direction.
2. With the same wealth and wisdom, there will be a happy life.
Mr. Li, a netizen in the financial sector, left me a message saying that when he was with his girlfriend, he almost bore all the expenses, but there were times when he was short of money. What should he do at this time?
In the process of love, do men have to pay for dating? What if the income is too small and the girlfriend's requirements are too high? I once wrote an article called "Only with the same wealth and wisdom can we have a happy life". In love, appearance, personality and knowledge are of course very important, but if both parties want to get married, then the concept of money is a factor worth considering. Even in ancient times, the wives of large families were sure to live frugally, not to mention living in modern times.
Therefore, when you are in love, you should exchange ideas about money more. If, as Teacher Li @ Shu said, you are sometimes short of money, then put the topic out and discuss how to solve it. Whether to adopt a more economical way of dating, or whether the woman pays the dating fee, are all options that can be adopted.
You know, in the future, the two people will have many opportunities to discuss how to use money, such as how to do the wedding, where to buy a house, whether the children go to a private kindergarten or a public kindergarten, and so on. If two people have different ideas when they are in love, it is easy to have conflicts after marriage.
My mother once said a famous saying: 80% of quarrels between husband and wife are for money. It can be seen that if the concept of money is inconsistent, it will seriously affect the stability of the family.
Marriage is a matter for two people, and money is their money.
When two people enter the marriage hall from love, they will face the problem of "who will control the family financial power". In fact, many financial powers of the family are in the hands of women, and men are generally impatient because of trivial expenses such as daily necessities. Have you found that more than 60% of Wenzhou real estate speculators are women?
However, "who is in charge of money at home" is actually far less important than "consistent family financial management rules". What content must be spent, what content can be saved, and what money should be saved to plan the future, both of them should discuss a consistent rule and abide by it together.
It doesn't matter whose pocket you spend it from. Even if you have financial strength, you can't give your husband money, can you? Even if you have financial strength, you can't just buy clothes and bags, can you?
After all, marriage is a matter for two people, so money should be the same for two people.
4. Pension and education fund is just a simple arithmetic problem.
After giving birth to the baby, we began to plan for the baby's education fund. In fact, the preparation of pension and education funds is just a simple arithmetic problem. For example, if you want your baby to study abroad in college, you need to set up a baby education fund of 1 10,000, which will be realized after 10 years. Then three variables need to be considered:
(1) Income growth rate
(2) Inflation rate
(3) compound interest on investment
Suppose your income is relatively average, and the national inflation rate is 6%, then you can save 654.38+ten thousand yuan every year, and the return on investment exceeds 6%, then you can save 1 ten thousand yuan for your baby to go to college. It is worth mentioning that it is not difficult to achieve an average return on investment of 6%. For example, the money fund activity products launched every Monday can achieve a rate of return of 10%, and the money fund is safe and stable.
Therefore, it is not difficult to plan pension and education funds. The difficult thing is that we can have the ability, funds and financial knowledge to plan scientifically.
5. Be careful to fall into the trap of numbers
As can be seen from the above, I am a financial manager, especially as a woman. I thought the figures were ghost paintings before, and only the Taoist priests in Laoshan knew them. How much money should be saved every month, how to save it and how to calculate the return on investment. Seeing this, I feel that I have been cursed by three layers on my head and have a terrible headache.
This is also a problem for many women. Women generally rely on emotional thinking, but in fact, as long as you listen carefully, numbers will tell you many stories. For example, your height, weight and body fat rate; The success of losing weight depends on the calculation of calories; How much cheaper is your favorite shirt? Most girls must know. As can be seen from these three examples, the figures are not terrible. As long as you overcome this fear of numbers and gradually form digital thinking in your life, you will gradually understand the facts that numbers tell you and avoid being fooled in investment and financial management.
Financial management is not difficult, but we don't believe it can be done! I wish everyone can take the first step bravely!
Notes on Monday's Financial Day Investment Guide
What about the money fund whose income mentioned in Shui Mei's story can reach 10%? It is reported that a monetary fund activity product will be launched every Monday on financial day. During the activity, the overall income of the product can reach 65,438+00%, which is characterized by safety and high income.
Why is the activity fund on Monday's financial day the safest fund?
Take this week's 36 E fund currency a as an example. Belonging to the money fund, it is called the safest fund.
Bian Xiao made a simple popularization here: according to different investment objects, funds can be divided into stock funds, bond funds, futures funds, money funds and so on. As the name implies, stock funds are mainly used to invest in stocks, and bond funds are mainly used to invest in bonds ... Monetary funds are mainly used to invest in short-term money market instruments, such as government bonds, central bank bills, bank certificates of deposit, and short-term government bonds. , are all varieties with high safety factor and relatively stable income. Therefore, compared with investing in stocks and futures, money funds are called the safest funds.
Notes on Monday Financial Day: How can a woman live a proud life?
Why is the activity fund on Monday's financial day the money fund with the highest income?
Bian Xiao gave you an example. If we deposit money in the bank, what is the interest rate of the bank now? At present, the bank interest rate is 0.35%, 1 year interest rate is between 3.0% and 3.3%, and the annualized rate of return for the remaining 7 days is 3.7 140% (data as of June 23). The 5-day annualized income of the Monetary Fund plus the Monday dividend of the Monetary Fund is 10%, which is more than 30 times higher than the deposit interest rate and much higher than other monetary funds in the market.
It is worth noting that at present, the wealth management market has launched the function of goods-to-goods (T+0) for a long time, and the rate of return for 20 days a month can reach 10%. At present, there is only one money fund with a yield of 10%.