"Experienced

Have a steady job.

"To achieve wealth, we rely on hard work and no money."

Xiao Wang said that he had treasured the existing work and income after the financial crisis.

"After all, having a stable job and position is the foundation of financial management."

Xiao Wang said that whether stocks, gold or fixed investment funds must be based on stable income, this will ensure smooth financial management.

A lot of money is accumulated.

"Saving is the pool of investment. If I have enough one hundred in my wallet, I will rush to the bank teller machine and save it in rain or shine. This will not only avoid unnecessary spending, but also be the key to making a small fortune."

Xiao Wang said that saving money has played an irreplaceable role in the accumulation of his wealth, although it is not as good as stock, but more stable.

Financial management allows money to generate money.

"IMF has two advantages: small risk and good liquidity."

Xiao Wang said that the income of the IMF was higher than that of the current account, and the redemption of T+2 was on account, and the paction was free of charge, so it was suitable for short-term idle funds.

"Three years ago, I chose the first Monetary Fund in the year.

When buying the 20 of the month, he received a short message indicating the profit.

As the amount of investment increases, the more the SMS shows, the more it will show.

Xiao Wang said that the money fund gave him the same harvest as salary. Every 20 he always had a good mood.

Keep and keep the money idle.

"No accumulation, no progress, no persistence. It is a process that requires time to test."

Xiao Wang said, "some monetary funds can be bought 100 million."

As long as he had one hundred, he went to deposit it and then bought it into a monetary fund.

"The income of the IMF is stable, but the income is not high.

Whenever the market position is low, I will convert the IMF into an index fund or direct speculation.

Xiao Wang said that stocks and index funds had brought him a higher return, while money based funds could keep his capital idle.

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Financial planner's point of view

Early planning for savings and investment

"The sum up of Xiao Wang's financial management is to increase revenue and reduce expenditure."

Liu Yongning said that hard work can be regarded as "open source".

"You don't manage money, money doesn't care about you."

Liu Yongning said that for white-collar workers, they should save and invest early and formulate reasonable financial planning.

First of all, he suggested that the monthly income be unified into one account, and the total monthly repayment rate should be controlled within 30% of the income. The consumption of this month will be controlled within 30%, so that enough funds will be put into the pool of funds.

Secondly, reasonable investment management should be carried out. There should not be too many current accounts and cash on hand account. There should be large consumption and more credit cards.

In addition, in terms of long-term investment, we should plan well and allocate investment income and risk rationally in stock, fund, real estate, gold, insurance and so on.

For urban office workers, Liu Yongning recommends several financial instruments: mobile banking, which can keep abreast of the trend of accounts; online banks can inquire and handle business at any time, mobilize funds for investment and financial management, save and be safe; multi-functional credit cards, such as store credit cards and car cards, can enjoy more benefits in consumption; financial cards can get free financial information.