Is Yingke Financial Management safe and reliable?

My financial management concepts, methods and life plans are for reference

Fund security is the first priority, otherwise the principal will be lost.

First of all, I only do a little bit of stocks, accounting for 1% of my bank deposits (you must control your funds. If you don’t know anything about stocks, it is not recommended to enter the market. Keep in mind that capital safety is the first priority.), The rest I used one method to make fixed deposits.

I think if a student’s focus is on studying, spending more money on studying, eating well, and protecting the brain should be the most important. If you can save some money, don’t rush to manage your finances. Safety is the most important thing. It is best for students not to speculate in stocks and not distract their energy. In the future, if you have the energy to learn more about stock trading and then invest a small amount of money after working, you can still consider it. The risk of stock trading is still very high. If you don’t have knowledge, don’t do it. It is recommended to trade in stocks. Even in stock trading, you must have control. The investment of funds must be small and small.

My point of view is that there is no pie in the sky. Why is it called venture capital? First of all, there must be risks. Most people say (I have met many people who sell financial management) that the risks are high and the returns are high, but they never emphasize the risk to you. But when you buy a product, they ask you to fill in the words "Read at your own risk". When the risk actually arises, no one will take care of you. When you buy a product, it's your money. You buy it when someone asks you to buy it. But when risks arise, they withdraw.

My financial management point of view is that you must protect your capital and do not affect your basic life and quality if there is a loss in your investment. Don’t buy financial products. Don't buy a guaranteed product if it says "at your own risk" or something like that. Otherwise, it is not a capital guarantee.

I have been trading stocks for more than ten years. At first, I listened to other people’s advice on which stocks to buy. Now I can make my own judgments. I need to study seriously and buy some books about basic stock knowledge and technical indicators. , learn more about economic knowledge in order to judge the trend of the market. When the market is not good, most stocks will not do well, so it is better to withdraw first. Be disciplined when investing in stocks. Don’t invest all your family’s funds. Remember this.

If you invest 10,000 yuan in the stock market, when you make 20,000 yuan, you will withdraw the original 10,000 yuan of deposited principal. In this way, the 10,000 yuan left in the stock market will be the money you earned. , the remaining 10,000 yuan of principal is withdrawn, and all the next 10,000 yuan will be lost. It will also be a loss of the money you earned, and it will not affect your mood and basic life. If you make a profit, you will withdraw some funds when you reach a certain amount, and then deposit them regularly to ensure returns.

In addition, I divide my income into several parts every month: from clothing, food, housing, transportation, education, medical care, phone bills, water and electricity bills, renting fees (if you take out a loan to buy a house, it is the cost of repaying the loan) ) to plan.

The way I manage the funds at home is:

Manage bank cards

Use physical isolation

Where I save money At the bank, it is best to open three cards:

The first one: a bank card with a relatively large deposit, be sure not to open online banking;

The second one: a bank card used for transfers With a bank card, you can open online banking, but you can usually keep a deposit of less than 1,000 yuan;

Third card: If you use Alipay to shop, you can open this card to bind Alipay, and keep it in normal times. It only costs about 2,000 yuan, which is more convenient for daily small shopping.

Let’s talk about the use of these three cards:

1. If necessary, go to the counter to transfer the bank card with a lot of money (those without online banking) to the debit card. Some money, transfer as much as you need;

2. Use a special transfer card to transfer to others (be sure not to transfer to strangers) or transfer money to the bank card bound to Alipay. Be sure to remember how much to transfer. How much, safety first;

3. Alipay requires money, just use Alipay to bind a bank card to recharge;

4. Normally, you don’t need a debit card or a bank card bound to Alipay. Deposit too much money to prevent card fraud.

Management of deposits

1. At the beginning, save the remaining money from 2 months’ salary, excluding necessary expenses, into a fixed deposit (usually one year);

2. In this way, there will be 6 deposit certificates in a year (for example, every two months). In the second year, one deposit certificate will be deposited every month. In this cycle, there will be money due every month in the future. If you have a balance of money every month, if you don’t need it urgently, you can continue to save it with interest;

3. Just cycle it up, and you will have money due every month, so you don’t have to worry about emergencies. . You can also accumulate less money and save more.

After you have a certain amount of funds, you can plan these funds into children’s education funds, travel, pension, etc.

Notes

· Remember not to transfer money to strangers easily. The bank staff’s advice is well-intentioned.

Let’s talk about life planning

First of all, try to earmark your savings as much as possible. The specific method of earmarking is explained below.

After reasonably managing your monthly income The remaining balance is saved using the above method of deposit certificates every two months, and will be distributed after the funds have accumulated to a certain extent.

The accumulated funds when you are young are needed to support the baby and the education of the child when he is older. When consuming, you should also think about your own parents and those of your loved ones. Give them some money, even a small amount, and give it to them later when you have more money.

When you are middle-aged, there are seniors and juniors at this time. Small, the accumulated funds should be divided into chunks.

1 It is better to have medical funds, and now it is better to have medical insurance, but there are still people who do not have medical insurance.

I think the medical funds should be provided by family members. The amount of funds for serious illness should be carefully considered for each person. I save this money on a regular basis and it is basically immovable. I want to ensure that my family (including both parents) have a solution when they are seriously ill.

2 Be educated Funds are mainly used to help children complete necessary studies.

3. Then give some money to both parents every month (if you have more money, give more, if you have less money, give less, don’t forget your parents).

4 You should save some funds that you and your loved ones will need when they get old. Because when you get old, you may need to find someone to take care of you or go to a nursing home.

5 Other funds. Once you have leisure The remaining funds can be used to consider travel and other personal preferences.