Managing Finances Of A Group Manager

As a general manager of a professional financial services group, she must understand

"I have always pursued an idea that you do not finance your money and ignore you.

With the first job, he began frugality, leaving 30% of his monthly salary for regular savings, then gradually extended to stocks, futures, derivatives, funds, funds and insurance products, asset management and so on.

Long term investments: pensions and education

"First, I will make some long-term stock investments for my retirement plan, such as investment in domestic banking stocks, domestic demand stocks and sports stocks. Secondly, I will invest my pension and insurance in some low-risk markets and bonds. In addition, I plan to have two sons to study abroad, and choose their children's education fund plan for them, mainly investing in stocks of developing fast economic entities, such as BRIC and hedge funds."

Zheng Beili, relying on his professional advantages and industry advantages, does not give up any investment opportunities, especially keen to purchase funds.

But it is also refined and selective.

She has invested in new development markets abroad through some funds, such as BRICs, and other countries with faster economic growth, such as China, India and Belarus.

Of course, insurance is also an investment channel that Zheng Beili is very concerned about.

She said frankly that there are many insurance investments linked to funds in Hongkong. Some funds also contain insurance elements. She started buying funds and insurance products ten years ago. For example, a retirement fund she bought contained some components of medical insurance, life insurance and accident insurance, and every year there was a dividend distribution of indefinite amounts.

In addition, she also has a non fund insurance, which has a large insurance component, especially in life insurance.

4 years ago, Zheng Beili became the mother of her first child. Two years ago, she had another child.

She always pays attention to long-term investments. When children are 0 years old, they help each of them to buy an education fund, with a term of 20 years, and each person invested 3000 yuan per month.

Short term investment:

Like other Hongkong people, Zheng Beili also participates in the subscription of new shares.

"I retain a portion of liquid cash to participate in new shares, do some band speculation and subscribe for new shares, but most of the stock portfolios are short."

She knows the stock market well, but not easily.

"Our company has a professional wealth management team. We often exchange experience to study each fund, every stock, every market and its development trend, and then use our electronic trading platform to operate. Generally speaking, we prefer to be familiar with the stock market in Hongkong."

"Now many electronic platforms can help investors manage their own wealth. For example, our company has a financial community. As a member, I can invest in different investment channels. There is a platform in this community that can directly communicate with other stock holders. Through more than 300 global RSS real-time financial news, it has separated news from the mainland, Hongkong, Taiwan and the world. In a community, the global information can be captured in time, so that we can make timely decisions."

"Or at some time when I really do not have enough time, I want to invest in some markets, but when the funds are not enough, I will choose to give my fund managers the diversification of investment through the channels recommended by them."

As for the real estate sector, Zheng said that it is basically for the purpose of personal use and will not be used for investment purposes.

Stop point 20%

"Just working, Hongkong has only stocks and futures, and wealth management has only been popular in recent years. Maybe there will be new investment methods in a few years. I have been learning all the time.

But I have always adhered to a principle that the long-term development of the national economy is limited to Hong Kong stocks.

Professionals may not be able to fight in the rough tide of the stock market.

Zheng Beili has also learned lessons from failure.

When I was young, I had a lot of personal sentimental factors and I lost a lot of stocks.

Once played some high-risk stocks, encountered suspension, natural loss is not a minority.

She, who has won many defeats, is now more inclined to be steady.

Nowadays, it is more willing to choose some stocks that are well managed by the company and have relatively good prospects for the industry to invest. They will often attend some financial seminars and see some books on investment value, investment technology and so on, because she always insists on "you do not manage money and money ignore you".

"But I also care about risk and know when to stop. With the failure, I set a goal for myself.

My risk acceptance is that if I fall, I will sell around 10%, or about 20%.

I choose the stock carefully, pay attention to the long-term appreciation potential of stock, and stock plate.

For new shares, I will choose after in-depth analysis.

So the domestic sports stocks, bank shares and domestic demand shares were bought a few years ago when they went public, and the overall rise was quite good.