1. Fan Shengmei has the following advantages: exquisite beauty, obsequiousness, transparent life, refined human feelings, and friends who are in trouble help each other. Golden sentences are often used to guide their lives, especially proper limit, who will never interfere excessively. Shortcomings die of pride and suffer, and pay too much attention to the quality of life. Average income, poor family conditions, bent on finding a rich husband once and for all, expecting to rely on others to realize wealth accumulation, and the concept of financial management is distorted.
the current financial management is too expensive, and there is basically no fixed deposit. I often need to help my disappointing brother wipe his ass, and I have to send some of my monthly income home to subsidize my family. Usually, I have to buy some expensive cosmetics, clothes and bags. Even in the shared room, I have to use Givenchy's expensive mask and lipstick.
financial advice is to plan your daily expenses reasonably. The monthly salary is deducted from the part that subsidizes the family, and daily bookkeeping is carried out to reduce unnecessary luxury purchases, and a sum of money is set aside every month. It is suggested to allocate a small amount of highly liquid money funds, such as Yu 'ebao, in the short term, and to allocate wealth management products with fixed expected annualized expected income in the medium term, such as Jiafeng Ruide Wenli Select Portfolio Investment Plan. Then allocate some long-term financial management with high expected annualized expected income, and at the same time need to allocate some critical illness insurance to prevent the whole family from being dragged down by illness.
2. Andy's advantages are extremely high IQ and gifted. With the talent of quick reading and quick reading, accurate digital analysis ability, Wall Street elites returned to China to be CFO of big companies. Family relations are simple, and wealth accumulation is considerable. Disadvantages: emotional intelligence is a little low, and I am not very good at dealing with complicated relationships. I have a mentally retarded brother who will take care of my brother in the future. Too cold, living a nun's life, not eating human fireworks.
the current situation of financial management: from the computer screen with very high exposure, Andy is very concerned about the market trend and is very good at asset allocation according to market conditions. Coupled with Andy's excessive pursuit of material things and the status quo of being single, the accumulation of wealth is very impressive.
Financial planning suggests that people like Andy should focus on wealth accumulation, preservation and appreciation, and pay attention to their own health and physical maintenance to further improve their quality of life. As for asset preservation, we should choose financial products that isolate domestic investment risks, such as overseas real estate investment plans. Considering that Andy has a mentally retarded brother, he can choose major illness insurance abroad. She also needs to further diversify the investment risks, which is suitable for choosing a multi-strategy asset allocation plan.
3. Guan Juer has the advantages of a middle-class family and a rich life. Clever and sensible, kind and pure, and non-offensive, it is the best choice for girlfriends. Very self-motivated, in order to listen to some guidance from the cattle people, I helped Qu Xiaoyu stay up all night to prepare the project materials for free. Disadvantages: I don't know how to refuse, I lack social experience, my work has just started, and I haven't established a savings foundation yet.
At present, I still ask for money from my family, and my living expenses are relatively tight, and my daily work is busy, so I have no planning and time for financial management.
financial advice: people like Guan Juer need to establish the premise of self-sufficiency and independent financial management first, and then they can gradually accumulate fixed savings in the later stage. Fortunately, there is no family burden, and self-sufficiency should not be difficult to achieve after the job is turned positive. The focus of financial investment should be on cultivating financial management concepts, forming financial management habits, making good plans, improving oneself and increasing workplace competitiveness.
4. Qiu Yingying has the advantages of simplicity, kindness, daring to think and do, boldness and fierceness, and strong action. The family is generally poor, but fortunately there is no burden, and parents often provide relief. Disadvantages: impulsive, lack of thinking ability, and lazy. Doing things recklessly, regardless of the consequences, often puts yourself in a dilemma. I am eager to gain a foothold in a big city, but I lack the ability in the workplace.
Qiu Yingying's current financial situation can be said to have hit a lot of people's pain points. A certain part is very similar to the self that he doesn't like and doesn't want to admit, but it is also cute. People like Qiu Yingying have just started to work, have no fixed deposits, and still have to rely on family relief when they are unemployed.
financial advice: at this stage, the first thing to do is to seek economic independence, and then make regular savings and accumulate principal. It is suggested to allocate money funds and short-term products with fixed expected annualized expected returns in the initial stage, such as the stable and selected portfolio investment plan, to ensure that stable expected annualized expected returns can be obtained as much as possible on the basis of liquidity. After the income is stable and the economy is basically independent, cultivate the habit of long-term financial investment such as fixed investment.
5. Advantages of Qu Xiaoyu: A well-off family, a pleasant personality, a lot of fair-weather friends, and people talking nonsense. Strong sense of class, well versed in the rules of the game in real society. The shortcomings are self-righteous, often clever, and often interfere in friends' private lives. Being mean and disrespectful is her habit.
no financial advice! What! Yao! Ok! Build! Discuss! Yes! For this kind of darling daughter born with a golden spoon, life is for fun!