How Do I Become a Personal Financial Specialist?

Personal financial management refers to the formulation of financial management goals and financial planning, execution of financial planning, and realization of financial management goals by customers based on their own career plans, financial conditions and risk attributes. ^[1]

Personal finance

(Establish personal financial planning based on financial situation)

Personal financial management is based on the analysis of personal income, assets, liabilities and other data, based on personal risk appetite and tolerance,

The professional service activities of personal financial management of commercial banks are manifested in two types: one is the advisory nature. At this time, the commercial bank acts as a financial adviser to provide advice to customers. The other is the trustee nature. The agreed investment plan and method for conducting business activities of investment and asset management. ^[1]

For new investors, there are several financial management tips:

1. Make good use of financial budgets and avoid using capital necessary for life as capital-psychological characteristics of gamblers:

With the development of the Internet, personal investment and financial management tools have gradually developed to the Internet. Individuals can invest and manage money through mobile phones, computers and other devices without leaving the home.

With regard to the network of investment and wealth management, the purchase and trading of traditional stocks, funds, and insurance services can already be performed online. In addition, new types of wealth management products have also become available online. Futures trading, online lending, etc.

In the past two years, the integration of the Internet,

Money management means

Remember: the purpose of your financial management is not to make money, the activities for the purpose of making money are called investment!

The first step is to review your assets. include

The second is the goal. The goal has also become our debt. We must have a high-quality life and dynamically match your assets and liabilities. This is the core concept of personal finance. It can be seen that financial planning should be a must for everyone, not how many assets they have.

Financial Achievement Rate = Current Net Assets / (Current Annual Savings x Number of Years Worked) Standard Value = 1

The higher the ratio, the more successful the personal finance

Example: A has worked for the past 5 years and currently has a savings of 50,000 and an existing asset of 200,000

20/5/5 = 0.8 <1 Poor financial performance

With the gradual implementation of a series of national financial and economic policies, it has opened up a broader development space for the investment and wealth management market.

1. In the stage of establishing personal assets, you should choose a simple investment institution without risk, and it is best to take a savings approach.

2. Buying a home is an action to build a lifetime asset, so it should be considered carefully. Before taking any action to obtain real estate, you should consider your own ability to pay for funds and payment methods.

3. Establish a family asset status checklist like a physical health list, which can keep you informed of changes in family conditions and changes in related regulations.

4. Diversify your personal assets. In the process of composing your personal assets, make sure that the three assets, fixed assets, monetary assets, and financial assets, are in a generally balanced state.

5. Add value to your assets. An asset should add value in accordance with its identified purpose. Mistakes in investment terms can cause financial losses. For example, if you withdraw funds early when your investment or deposit is not due, you will definitely lose something.

6. Make your assets come alive. If you choose medium and long-term investment for your assets, it is difficult to consider this point. Only short-term investment can achieve this purpose.

7. In general, you should be concerned about the implementation of the tax system and its changes. This is one aspect of managing your assets.

8. If it is necessary to change your savings policy, don't hesitate. Changing investment direction and focusing on investment security will allow you to better cope with various situations.

9. Don't forget to prepare for your retirement. With the increase of people's lifespan, employment crisis and other situations, before retirement you have better use some other investment methods to make up for the lack of social security measures.

10. Finally, and most importantly, it is to protect your family. Consideration should be given to death insurance, life insurance, and husband and wife financial management systems. For children or other inheritors of inheritance, it is necessary to consider the distribution and transfer of inheritance. If these issues are dealt with well, it will help maintain family harmony and enjoy a lot of taxation convenience.

Several aspects that determine the success of personal finance:

1. increase income;

2. reduce expenditures;

3. Strengthen our ability to improve future living standards;

4. Prepare for retirement pension.

First, everyone

The first trick: based on salary balance management

Many white-collar workers earn a lot of money every month, but they always let their wages sleep on their cards. You need to know that current savings are subject to a 20% interest tax, and 10,000 yuan a day after tax will have an interest rate of 0.15 yuan. Even if it is placed in a money fund, there is a gain of about 0.6 yuan per 10,000 yuan a day, and it can be taken out at any time. The only disadvantage may be redemption 2 to 3 days in advance. If you are buying from Hua'an Fund Electronic Direct Sales, you only need to make a phone call or redeem online 1 working day in advance, which is very convenient. The daily difference in interest income is about 3 times, and it will be a lot of wealth.

Second trick: multi-purpose phone and internet

White-collar workers are usually very busy. When they see a long line, they feel queasy. In fact, the phone and the Internet are good helpers. Pay, pay a phone call or go online, buy your spare money into a money fund, and you have to "go for it" on the weekends. Redeem by phone on Wednesday or Thursday, and your money will be returned to your debit card on Friday. . Some white-collar workers are worried

Since the 1970s, global commercial banks have

Financial management needs to understand their financial situation, and then carry out planning such as investment. At this time, financial management software is needed to record and manage personal financial situation. Financial management software refers to management software that takes financial accounts as the core, adds value and profits for the purpose, uses capital flow as the means, and uses statistical analysis as the decision-making management software.

From the perspective of users, there are personal financial management and entrusted financial management. Personal financial software can be divided into personal home and financial planners to do financial analysis tools for customers. Personal finance software is a computer application that helps achieve personal finance. Now common personal financial software can complete functions such as income and expenditure accounting, budgeting, statistical analysis, account management, etc., helping users to better manage personal finances! The operation is simple and the report analysis function allows users to know their financial status at any time. Jiameng's personal information management software has more comprehensive functions in financial planning. It can be used for accounting, budgeting, planning, debt claims, printing statements, etc. It is a financial management software for institutional, corporate, and bank VIP customers, suitable for the general public.

Wealth management software is divided into three platforms: PC-side wealth management software, WEB online wealth management and mobile wealth management. Data can be independent and synchronized.

Women's financial management at all stages

first step

Social newcomer

There are three types of financial management methods for girls who have just graduated from college:

One is extremely frugal, from college admission to work, can save provinces. The second type is the Kanu family. They always carry more than three credit cards with them, and "moonlight", even use the minimum repayment amount, or use the method of dismantling the east wall to make up the western wall to pay off the card debt. Of course, there is also a group of relatively rational girls. From elementary school to college graduation, they have always been rational in consumption and reasonable use of cards. This is the good wife and mother of our motherland in the future. However, from the situation I have encountered, this group is not Especially big.

For the first type of girls, it is recommended that they should consume in moderation. Hard work and thrift are a virtue, but moderate consumption is good for improving the quality of life. In addition, it is observed that the financial management methods of girls in this ethnic group are often monotonous, and only do some savings. In view of this situation, it is suggested that certain funds can be used for fixed investment, which will achieve the effect of compulsory savings, and in the long run, its return rate will be higher than savings. Of course, there are certain risks in the fund's scheduled investment, but after all, young people's risk tolerance is relatively high, and it can be accepted for a long time.

For the second type of girls, it is recommended that you can make a balance sheet yourself to see how much your debt accounts for your income. If you are in debt for more than 2 to 3 months of income, it is very dangerous. As for the credit card, it is a good tool for financial management, yes, but I still suggest you to organize the cards in your hand, and then be ruthless. Except for retaining one or two cards, the remaining cards are all sold off.

The third type of girl is already very virtuous. Of course, you can also go a step further and pay more attention to the changes in the wealth management market, and then adjust the configuration table of wealth management products according to market conditions.

Second step

Newly-married young woman

you are married. Maybe you live with your father-in-law and mother-in-law, then you have to pay attention to handling the relationship between mother-in-law and mother-in-law, because this is a matter that will directly affect the quality of life. In terms of financial management, a major principle that must be clear is that family finance must be planned by some people in order to achieve the optimal allocation of family wealth.

The principles are established. The next things you need to do or suggest to your mother-in-law are:

First, provide sufficient insurance for the main labor force of the family.

Second, prepare your child for birth. It takes a lot of money to have a child. To accumulate this money, generally, you need to use a more stable financial management method, such as zero deposits and rounds, fund investment, etc. You can even do some short-term universal insurance,

Personal financial accounting skills

Financial management and bookkeeping are inseparable. However, many people do not know much about how to keep a book. They think that bookkeeping is simply a list of income and expenses. In fact, there are certain skills in bookkeeping. To this end, I will introduce the four elements of personal financial bookkeeping. ^[2]

Organize expenditure notes

Daily consumption expenditures must keep various bills, such as small tickets, invoices, documents, bills, etc., and keep records based on various bills. The significance of the bill is to ensure the reliability of the ledger data. Otherwise, if the content of the record is not credible, it will lose the significance of bookkeeping.

Breakdown by revenue

Break down the revenues and expenditures into categories so that it looks clear and easier to analyze the ledger. How to categorize specific income and expenditure can be based on personal preferences. In general, the more detailed the better. Planners recommend the following categories:

Income can be divided into: salary, bonus, investment income, accidental income and so on.

Expenditure can be divided into: fixed expenditure, daily consumption, investment expenditure, accidental expenditure and so on.

Analyze expenditure justification

After the account book is done, it is necessary to analyze the rationality of various consumptions to see which expenses can be saved, be aware of them, and avoid waste, so as to help control expenditures. Of course, bookkeeping is not the same as saving. If certain expenses are found to be insufficient through bills, such as filial elders, education investment, insurance expenses, etc., they must be increased in due course.

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