Female Financial &Nbsp; Do Not Know Money Rather Than Financial Management.

"Modern women are divided into two categories, one is only known.

Women's finances make life more exciting

"The foundation of the freedom of happiness in life is first to achieve financial freedom," Wang Qiong said. Nowadays, many of the high income families in many cities invest in a part of the family idle funds to gain property income.

Property income generally refers to the income of movable property (such as bank deposits, securities, etc.) owned by the family and real estate (such as housing, vehicles, land, collectibles, etc.).

It includes the interest, rent, patent income obtained from the pfer of the right to use the property, the bonus income earned by property operation, and the added value of property.

According to Wang Qiong, since 2007, buy

In the past, many housewives divorced from social life for a long time, resulting in information blocking and the right to speak in the family was not high. Through learning investment and financial management courses, they learned professional wealth management knowledge on the one hand, and on the other hand, they got the proceeds, gained the sense of achievement to gain wealth, and strengthened their ties with society.

Life is more wonderful through financial management.

"Compared to men's investment and financial behavior, today's women's financial management has more advantages."

Wang Qiong said that this is because women are generally cautious about personality. They are more likely to listen more before investing and learn more about financial products.

In addition, women's timid and greedy characteristics are also the mentality needed by financial management, which reduces the risk of investment.

However, women's financial management also has its own shortcomings, such as insensitivity to figures, lack of accurate understanding of the macroeconomic situation and insufficient judgement of investment risks. Therefore, Wang Qiong suggests that women should consult with their husbands before engaging in financial products before buying financial products.

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Better financial management than financial management.

"Many women want to spend a few thousand dollars on a piece of clothing, and they will spend hours in the mall trying hard to try it on.

For tens of thousands or even millions of financial products, decisions are made blindly in a few minutes.

This is a phenomenon that needs attention very much, "Wang Qiong said." it is necessary for women to invest more time and energy in the study of professional knowledge.

"In terms of buying financial products, women are more emotional and more likely to trust others (Financial Consultants), while men are more rational and rely on their own knowledge to make judgments."

Wang Qiong said that the best way to manage financial investment is to continue to learn, with expert information resources and suggestions, combined with the specific circumstances of the project and the economic situation and national economic and industrial structure to make judgments.

Wang Qiong said, at present, the domestic professional degree is relatively high, and more mature financial planners are few. Therefore, in order to avoid risks, individual investment should avoid trusting others and not blindly follow.

"Money is your own. Once the product is purchased, the risk is 100% for individual investors."

"Although many girls have a preliminary understanding of financial knowledge, most of them are not professional enough, because there are not many cases of investment failure caused by credulous financial products recommended by unprofessional financial planners.

Therefore, from this perspective, we do not know how to manage money rather than manage it. The fundamental purpose of financial management is to increase our property income rather than loss.

Wang Qiong said that one of her female customers is a successful example of this. The woman originally knew little about financial products, but she was especially good at learning and comparing. She provided advice on investment products for banks and trust companies. She consulted one by one to understand the responsibility and product structure of the guarantee, as well as the form of collateral, including various clauses indicating risks.

After more than two years of study and practice, the woman has not only received a good return on financial investment, but also became an "financial expert" in her circle of friends.

Financial management is to maintain and increase the value of assets.

"In our customer group, we find a very interesting phenomenon. Men who invest more than ten million yuan are the masters of the project, while the investment amount is millions of projects, most of which are determined by women."

Wang Qiong said that her current ratio of male to female customers reached 1: 1, which means that in recent years, women's financial managers in Xi'an are on the rise and are still increasing.

"These customers can be roughly divided into two categories."

Wang Qiong said that a group of customers once did not know how to manage their finances. By participating in lectures by financial companies and trust companies, through understanding the basic situation of risk and income of new financial products, they gradually became familiar with financial products, and learned to explore and explore the law of property preservation and value increment through investment and financial products. Second types of customers had certain investment experience, but their financial investment behavior was more scattered, such as buying insurance, funds, stocks and so on, through financial management to allocate their assets.

"Wealth management is not about making money.

For a successful financial manager, financial management is to maintain and increase the value of its assets, so as to achieve the goal of wealth management.

Wang Qiong said that different stages of financial management objectives of different assets are different.

Taking her personal example, as soon as she entered work, young investment was too small, and a radical investment method was adopted to buy a large portion of her income for stocks and funds.

In the past two years, with the increase of her age, she has adopted a balanced and robust investment mode, reducing the fluctuation of products, such as the allocation of stock funds, insisting on the long-term fixed fund investment, and increasing the steady fixed income products, such as trust investment.

"Work has become an interest rather than a means of making a living. I love my work and I can learn new things and accept new challenges every day.

When customers get a good return, I feel a sense of achievement. "

Looking back on your career, Wang Qiongru said.

Investors should strengthen risk education.

"Now, many investment and financial institutions are far from enough to educate their clients on risk. They often only talk about rewarding returns, ignoring the education of investment risks."

Wang Qiong said.

She suggests that when buying high risk products such as stocks, funds and private equity, investors should control the proportion of investment funds without affecting their quality of life, and control their own psychological endurance and financial affordability.

"Today's financial management industry in our city is that most customers trust financial managers more than the product itself, and they know more about introducer and institution than the product itself.

Today's investment market is very rich, but whether it is trust products, private equity funds, art collections, stock funds, gold, each has its own structure, and each has its own risks, and the differences among various products are great.

"If investors want to avoid risks, the most important way is to put them in their own familiar baskets", that is to say, we must follow two points: first, risk diversification; second not familiar with them.

Wang Qiong said, especially for female investors, financial management should not only be relaxed, but to take the initiative to learn financial management knowledge, enrich various information reserves, and make judgments in a comprehensive understanding.

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Huge potential for trust investment

Compared with investors who are familiar with stocks and funds, the property trust service is a relatively new category.

Wang Qiong said that trust (Trust) is a special property management system and legal act, and it is also a financial system. Trust and banking, insurance and securities constitute a modern financial system.

It originated in England and has existed for hundreds of years.

Mainly engaged in real estate property management and other property management, in short, trust is entrusted by the people, the generation of money management.

Take the international superstar Mike Jackson as an example. He made a will in his lifetime: he would have all the property under the unified management of the trust fund, not divide it, and designate his mother Catherine Jackson and three children as the beneficiaries of the estate.

This will ensure that his property will continue to maintain value and increase value, so that the beneficiary of the estate will not be damaged by property.

According to Wang Qiong, the trust industry has been rectified many times in recent years, and the trust has developed rapidly. It has become a financial industry that has attracted the attention of the high-income class.

In 2009, the trust offered more than 1100 products, with a total investment of more than 100 billion yuan, with a starting point of 1 million yuan. It is known as an effective investment tool for high-end financial management, and has a good development in Xi'an.

Wang Qiong expressed the hope that more investors would pay attention to the trust industry and achieve asset preservation and inheritance through the choice of sound products for asset allocation.