Author: Wan Fang, Producer: Lanna evening, thematic map from: Vision China
Anxiety, 35 years old, middle-aged, has become a vocabulary that people in the first and second tier cities are lingering in their hearts. Whether it is the workplace, housing, parenting, and pension, they enjoy the fast pace of life, while also enduring the anxiety and confusion caused by this rapid growth.
How much money is not enough to spend, how much money is the head, when can financial freedom, early retirement, almost no middle-aged people have never considered this problem, but no one can give accurate answers to their own lives. .
There are a few financial stories about middle-aged cities in first-tier cities. After reading these stories, you may be able to re-examine your once-poor family accounts. Investment or deposit? By yourself or by platform? How to plan your own financial future.
1 person to 30, soldiers are in chaos
Life is like a table of mahjong, you don’t know what card you will touch next time.
For Cao Jia, the cards that were touched before 30 and the cards that were touched after 30 years old are completely two routines. At least 30 years old, she did not pay much for the money, the family’s economic conditions are okay, and she is the only child. When she was a child, her parents did not let her suffer.
Married to the husband of Dangnong, both of whom work in Beijing’s Internet company. The income is also in the middle of Beijing. In addition to the rent and daily expenses, Cao Jia occasionally buys a bag, husband Occasionally buying a lens will not be too much pressure.
Because of this, Cao Jia did not think about “financial management” at that time. Cao Jia said that she is a person who has no ambitions for money. It is enough to spend, and the salary of two people is placed in the balance treasure. At the time of the 5% or more, it is ok.
In 2015, the A-share bull market, the Shanghai Composite Index rose from more than 2,000 points to 4,000 points. Cao Jia, who had no ambitions, did not hold back the car. She did not dare to invest more, and 50,000 yuan went in. I heard that someone bought a certain technology stock, and it was a good rise.
In the first time of the stock market crash in June, Cao Jia thought that he had seen the opportunity of bargain-hunting. In July 2015, he continued to add 50,000. As a result, the old man was sick in the month, and she was busy with the stock for a whole month. When the old man recovered, she was shocked when she opened it again. “I remember to open the account after oneLook, I wonder if I have made a wrong account, how can I become a fraction?
There was a big loss from the stock market, and Cao Jiaxin had a lingering fear. She was 30 years old this year, and at this moment, she started to press the fast forward button and the mahjong table was reshuffled.
In the second year, Cao Jia’s daughter was born, and the family suddenly had a broken machine. The child’s milk powder, complementary food, and diaper are not wet, and Cao Jia has calculated an account. The cost of an early education training is about 300. Generally, the package is sold from 72 hours. This is about 20,000 yuan, which is equivalent to She married the LV bought for half a year. Parenting is 8,000 yuan a month, and nearly 100,000 a year.
In addition, the family population has increased with the arrival of children. Couples, a child, a mother-in-law who came to take care of the children, and a child-rearing child at home, it is difficult for five people to live in a house of less than 60 square meters. After that, Cao Jia’s husband waved a large amount of 120 flats and rented a house with a monthly rent of about 13,000.
A daughter just turned one year old, Cao Jia experienced a major family accident, the father-in-law suddenly found cancer, Cao Jia and her husband raised money for the treatment of the father-in-law, while panicking to provide insurance for themselves and all their families. This is another tens of thousands of people going out.
The money is too useless, and the salary of 30,000 per month does not seem to be enough to bear a small middle life in Beijing. Keeping a small amount of money left in the account, Cao Jia is eager to add value to her wealth and create a second income other than wages. At the same time, she knows that she must be cautious and ensure that family wealth will not be lost.
The so-called “production in the middle” is just a tightrope walk, an increase in expenses or a mistake in investment decisions, and the “live” is returned to the original form in minutes.
The money is a vulgar, but the fragility of middle-aged people is not stinging in the catching of the common things. Cao Jia realized that at this moment, she needs to seriously consider financial management more than ever.
2 Master of Economics who bought a $8,000 lottery
There is no place for free money to be placed on Cao Jia alone.
Yu Jiang graduated from the School of Economics and Management of Tsinghua University. Tsinghua Economics and Peking University Guanghua are recognized as the two most difficult colleges in the national college entrance examination. However, he still has not escaped the financial anxiety that emerged after he became a family.
Similar to Cao Jia’s experience, the stock market did not give Yu Jiang’s work.For three years of asset appreciation, it has lost the principal.
On the other hand, because of the temporary child, he was forced to buy a house when he was at the best of the housing market. It was not long before the state introduced a policy, which led to his real estate not adding value, but a slight loss.
His wife is a master’s degree in economics at the National People’s Congress. Both husband and wife have maintained the habit of keeping accounts at home after marriage, but they have only stayed in control of the specific amount of each month’s expenditure.
Most of the income has a balance of only 2.27% of the current annual income, about 20 yuan a day…
The child will go to elementary school in two years. The house he bought before has no way to assign a decent elementary school. This matter constitutes his current financial anxiety. How can he buy a high-priced school district as soon as possible, and in the case of ensuring a fixed income in the next two years, it is a matter of daily burdens for the existing assets to increase.
He even had the idea of hoping to break out overnight. One day, he was married to his wife. The sports lottery that bought 8,000 yuan with private money was not counted in the family account. But this 8,000 yuan did not give him any income, completely slammed.
When the wife knew that she was furious and pointed at his nose, he said, “When you graduated from Tsinghua University, you choose the lowest probability lottery. Are you worthy of the book you read before?”
But Yujiang still has an account and dare not tell his wife that in order to pay for the housing loan and the cost of living, he listened to the suggestion of a “Lin teacher” on WeChat, and paid a consulting fee of 338 yuan per month. Bitcoin’s speculative army.
When the price of the currency is good, Yu Jiang smiles every day. When the price of the currency fell, the child and his wife slept. He watched the big market smoking, drinking, and wondering how to pay the previous lightning loan.
Use the banknote machine to describe the child as a fake, but these are not entirely brought by the child.
In fact, whether it is Cao Jia or Yu Jiang, the income of Internet companies has increased in recent years, and the income is much higher than the average salary of first-tier cities. It is labeled as “middle-class” by all horizontal lines. The crowd, but these still can’t share any financial anxiety for them.
What’s more, no matter how volatile the currency or the stock price, you will find that people around you don’t seem to make any money from these places. In addition to wages, it seems that no wealth management and investment are stable.
But only in the first-tier citiesLife, the pressure and anxiety that comes from everywhere, will become the last straw to crush you.
3 Young people who bought a house by financial income
From 2007 to the present, people in first-tier cities have increased their income by three and a half times.
But their anxiety about financial issues does not show signs of abating. Perhaps anxiety about money is a normal state of people’s lives. Having anxiety is not necessarily a bad thing. Solving these problems is probably the theme of modern middle-aged life.
There is a media survey of people living in first-tier cities in China about the most anxious question about money. It shows that 40.9% of people care about how to make more money, and 24% think that children are too expensive. 19% of people have concerns about unemployment, and 8% don’t know what a good way to manage money.
On this issue, Jerry, who just turned 30, has some say. Although young, there is little experience in investing in Jerry. He just married this year, relying on personal financial income, purchased a wedding room in Beijing Fourth Ring, and he also resigned from the company himself, he started his own full-time media.
Jerry has an asset planning form. He feels that under normal circumstances, individuals can fill this form to indicate that the financial planning is complete. In the first two years of his graduation, there was only some content on the fixed monthly income and fixed monthly expenses. After two years of work on the track, with some balances, it began to fill the cash account or cash account.
The first step after having spare cash is to buy your own home. Jerry believes that housing is equal to your basics and is the primary financial goal of graduated young people. After the house is settled, he is more concerned about managing the risks of all family members, namely the risk/hedging column in the table.
Many families are currently facing 421Architecture, that is, four adults, two couples, one child. The probability of each illness is different, but the chances of four elderly people getting sick are relatively high, so insurance must be an inevitable part of the family.
Preserving enough money beforehand is more important than anything else. Jerry has been running this idea to plan his own finances. At present, his funds are not only used to purchase wedding rooms, but also in the fund account, through the fund fixed investment index, to reach the annualized income of 19%.
Jerry’s self-media content revolves around financial education and training. He pointed out that “there are three ways in which ordinary people fall into the abyss of poverty. Diseases, accidents lead to inability to work, and consumption, high-interest financing. And MLM and so on, so if you manage your finances reasonably, your income must increase, but you can’t ask for high and greed.”
4 Middle-aged people who have turned against the trend and turned over 2 million
Uncertainty is the only certainty in life. Investment itself is a process of taking risks in exchange for returns. In some cases, investment is not only a decision, but also a philosophy, but also a The game between yourself and time.
The banking industry, He Qingquan, is over forty years old. After seeing the ups and downs of investment, he has become clearer about different stages of life and has to resolve different core objectives.
Benefiting his own financial knowledge, before 2001, He Qingquan took the first 200,000 funds from his parents and began to cautiously trade stocks and buy funds. At that time, it happened to be a bull market, so that he made a small profit.
“When the year is strong, the purpose of the asset is not to preserve the value, but to make more money, and when it is not married, it feels that the ability to resist risks is relatively high, and the loss is not so worrying.” For this purpose, 2006 Around the year, He Qingquan also added futures in his wealth management products.
The futures gave him a very big stimulus at the beginning, and with good luck, the fund plus futures brought him ten times the gain. However, the gambler mentally occupied him very quickly. When he made soybean futures in 2013, he opened the market long and short, did not adjust his own proportion, did not stop the loss in time, and spit back all the previous 2 million proceeds.
But immediately following the bull market in 2014, He Qingquan earned more than 2 million in stock index futures. The money earned this time was only to fill the loss on the futures a year ago, so he was not particularly happy despite making a lot of money.
As the age increases, family responsibilities increase, He Qingquan findsThe ability to bear high-risk wealth management products has also weakened accordingly, so they gradually withdraw from futures in the past few years.
As for the stock market, he is also cautious. As a result of long-term work in the bank to do business, He Qingquan found that in fact, many listed companies have not performed well in the financial statements in recent years.
“The story of many companies is very good, but I have read the report. I think it will happen soon. In the past few days, the news has been exposed. Sure enough, the company has directly hit more than 30 down-limit boards from 14 yuan. 2 yuan, so in recent years, I still don’t arbitrarily trade stocks. At present, the fund is more mainstream, which is an indirect way of linking to the stock market.”
He Qingquan’s financial management ideas reflect the financial management concepts of people at different stages to a certain extent. When they are young, they can take risks. When the demand for family funds is small, they can consider higher-risk investments. When the age is large and the ability to control risks is weak, consider reducing the risk through the platform to ensure stable income.
4 Forget about getting rich overnight, rationally looking at life burden
I want to get rich overnight, nothing more because the burden of life is too heavy.
Get too much, you want more, and the ultimate anxiety of people is ultimately from their own desires. I don’t want to share some philosophical theories here. I hope that when you are in the middle ages of the squad, you can let go of your desires and think rationally about what you really need.
In general, there are only a few ways to manage money, futures, wealth management, stocks, funds, and deposits. Deposits are undoubtedly the least risky, but not always safe. In fact, the Domestic Deposit Insurance Regulations only provide guarantees for individuals with a deposit of 500,000 yuan. Personal bank deposits of more than 500,000 yuan are also facing the credit risk of deposit banks.
The few people mentioned above already cover most of the problems faced by the first-line middle class and their solutions. It is easy to see some effective ways of thinking:
1. Carefully assess life needs and allocate household accounts reasonably
How to manage money, in the final analysis, it also needs to be combined with the goal of financial management.
Before you manage your finances, ask yourself what you need, what your family needs to do, and what kind of help do you need to help your family’s needs?
Here’s a look at Jer again.Ry’s method is to make a clear sort of family assets, and to diversify in the types of deposits, long-term and short-term investments, and insurance.
Investment faces an unusually responsible choice, and there is a structural difference in the income and expenditure of each person over time.
Jerry said that in general, these four accounts do not need to have a fixed proportion, mainly based on the current needs of the family in the near future to achieve a reasonable allocation. “Assume that you need a portion of your child’s education after three years. If you want higher income, you can increase the proportion of long-term investment and sound financial management.”
People with short-term spending pressure should not invest in the stock market and have already matched fixed income products over the purchase period. Everyone’s psychological endurance is also different. How to Qingquan is more reasonable to match their psychological risk ability. If the stock portfolio invested is greatly retraced, psychologically it will attract a big blow.
2. Sense first, suppress emotional impulses
According to modern portfolio theory, the allocation of different assets can effectively resist the risks of various assets and obtain the average market return. If the stock market is not good, the bonds will be relatively good, but if the bond and stock market are not good, those cash and commodity products will perform well.
In addition to deposits, there are other cash-based products that can be considered, but they cannot be done once and for all. He Qingquan, who has experienced a lot of investment, put a part of the funds on the strategic financial platform. The products on this platform are still investment funds, but in a combined configuration.
Strategic financial investment products are more diversified and easier to circumvent some risks. The data shows that in the past decade or so, the average annualized rate of return of public funds has reached 16%, while the probability of loss of Chinese citizens has exceeded 80%.
In other words, if you put your eggs in one basket, the risk is the biggest, even if you buy a fund, it is best not to put them all in one place. The original personal selection fund is difficult to select and sell, and it is inevitable that it will fall into the chaotic circle of chasing up and down. Therefore, finding a professional institution or individual to obtain tailor-made financial advice can also effectively alleviate financial anxiety.
3. Sense first, suppress emotional impulses
Most people don’t analyze the data and the possibilities, but like the news and rumors. They make decisions based on what they think in their minds, not on their own portfolio, and whether an investment project is suitable. Portfolio, rational analysis.
First of all, we must realize that financial management is only an effective way to resist inflation and prevent assets from shrinking invisibly. Most of them are slowly increasing in value on the basis of value preservation. It is unrealistic and unpredictable to rely on wealth management to make money overnight or even overnight. Financial management should be a rational long-term asset planning.
Continuous learning is also a prerequisite for financial success, but the learning here is not simply about knowledge and skills, investment knowledge, but also learning to control emotions and suppress emotional impulses.
Sense is always the first door to financial management.
Soros once said that if you are not prepared to endure the pain, then leave, don’t expect to be a regular victory general, to be successful, you must be cold.
If you are hard to do even if you are rational, then learn to let go of your desires. This may be the best relief for anxiety.
This article interviewed characters Cao Jia, Yu Jiang, Jerry, He Qingquan are all pseudonyms.