It is said that there are many financial managers, and I don't know which one is popular.

This sentence is almost nonsense. Some people will say: Do you need to ask? Maybe this is because you know what financial management is and what investment is. Or you are the holder. However, most of our current bank customers (especially in our underdeveloped city) don't know or really understand the significance of financial management and investment. My article is mainly aimed at them. If you read it, you don't have to take it too seriously.

I have worked in a bank for 3 years, and I have been an account manager for 5-6 years. However, among the customers I know or have contacted, they give me the impression that their understanding of investment or financial management is still very vague, and they can't tell the difference between investment and financial management, or they are very uncertain and don't know the true meaning of financial management and investment. In fact, my understanding of investment and financial management was gradually formed in these five or six years, and I got a deeper and clearer understanding of the true meaning of investment and financial management after systematically learning the comprehensive and professional knowledge of investment and financial management from AFP to CFP. For their vague understanding, let me give you an example. For example, my familiar friends told me directly after they learned that I was a financial planner: "You have a good certificate, you can invest and know how to manage money, so help us make some money!" You see, they think that "investment = financial management", so I can only be noncommittal. So I will have such an understanding of them and I can understand them very well. Because after all, being able to "earn money" is an aspect of financial management, but it is not comprehensive enough. But isn't that our understanding of maximizing the efficiency of "capital" or the optimal "asset allocation"? Can you say that this idea is wrong? That's right. But this is not the whole of financial management. But you can't explain it in detail when you have just contacted the customer, because it is very confusing. Right?

then we have to explain them simply, and simplify investment and financial management first.

can we tell our customers about their cognitive level at present? For example, he comes to deposit money on a regular basis, so we tell him: In fact, we put money in the bank, especially when we deposit time deposits, which is actually a way of investment. Do you think it's like lengthening the investment cycle (deposit period) and giving a certain investment rate of return (annual interest rate), and circulating investment (taking out the principal and interest at the expiration of one year and saving it for another year)? Can we guide customers like this? Why do you think we should deposit money? Is it to preserve or even increase the value of our money? In fact, there is a truth about investment in financial management here. Have we seen or thought that the annual interest rate of bank deposits is 2.25%, while the CPI (average price increase) is 2.9%? What does this mean? This means that what we used to buy with 1 yuan, now we have to spend 12.9 yuan to buy the same thing. Is that right? And we put the money in the bank, if calculated according to the bank's one-year fixed deposit interest rate of 2.25%, every time we put it in 1 yuan and put it in the bank for one year, it will become 12.25 yuan, which is equivalent to a loss of .65 yuan (2.8%-2.25% = .65%) in this year. Is that right? That is to say, even if we put the money in the bank, we can't buy the same thing after one year. Isn't that right?

this is the result we calculated on the premise of the increase of the average price index. If we compare the food that is most directly related to our living expenses, we will have a deeper feeling. Last year, for example, we could buy a catty of garlic with 3.5 yuan, but this year we have to use 9 yuan to buy it. In less than a year, garlic has tripled. (Of course, this example is a bit unique. In fact, if you think about it carefully, you will know that the price increases that are closely related to us are much larger than the 2.9% increase of the national CPI. Such as pork, such as rice, such as soybean oil and so on. Isn't it? ) What does this mean? This shows that if our money can't increase by 3% within one year, our money is really worthless. Even if it is put in the bank, it will depreciate, because the bank only gives us 2.25% interest a year.

so what should we do? We have to figure out whether the money in our own hands should be spent; When to spend; Or how to spend it, right?

investment? Should we think about whether I, as an ordinary person, have the conditions for investment? Ask yourself, do I know the country's economic policy? Do I know this market? Do I have a professional technical level? For example, if I invest myself (or speculate in stocks, or buy funds, etc.), can I achieve a return of about 5% after one year? Or whether my own investment can exceed the inflation rate (CPI: about 3%). Or is it not easy? It seems that the 3% or 5% return on investment is not high. Then you can try it yourself. But I still have to remind you in advance that if you are not professional enough, you must be prepared for risk awareness. In fact, "the market is risky and investment needs to be cautious!" The warning education is not just talk about it. In particular, it is quite complicated and technical for you to invest in stocks or buy funds yourself. In fact, this capital market requires investors to "earn money". You can try it if you don't believe me. "How can you see a rainbow without experiencing wind and rain?" He must have a point. It's not a bad thing to cultivate your ability to make money. But what should I do if I can't and want to preserve and increase the value of my money? If you are a customer who often deposits in the bank, you'd better look for financial experts in the bank, listen to their suggestions and refer to your own actual situation. I believe that after you have been in contact with them for a long time, you will have a deeper understanding of financial management and investment. After all, they are professionals. Moreover, they are bound by industry norms and professional ethics.

what advice will they give you? To be professional, it depends on your "investment style" Of course, it is best for you to tell your trusted financial planner your investment ideas and investment goals, including your existing family assets. If not, the financial planner can only make simple investment choices or simple asset allocation for you according to your age and professional characteristics if you are a conservative or radical investor. Their suggestions can keep or even increase the value of your assets. For example, if your deposit term is long enough, it means that you are a prudent or conservative investor who can make long-term investments. You will ask for a long-term sustainable "cash flow" return. According to your investment cycle, he will suggest that you buy a certain financial product of the bank that can bring relatively stable and sustainable income. In fact, dividend-paying insurance wealth management products have the characteristics of long-term preservation and appreciation, which are more suitable for your investment cycle. Please don't treat "insurance" as a "scourge" and contradict it. Although the "insurance" in the bank is a dividend-paying product, it emphasizes that it is more profitable than a purely "consumer" insurance protection product, and emphasizes protection. In fact, it's just a difference in form, and the essence is good.

why do you say that? Let me explain to you first, because if you just want to keep the money in the bank from depreciating, it would be better if it could increase in value, right? For example, if the growth rate exceeds the CPI index, that is, more than 3%, as long as the dividend-paying insurance products you hold can be held in accordance with the insurance coverage period, (please note that I emphasize the "insurance coverage period" here, not the bank's deposit period. After all, he is an insurance product, and his dividend income is calculated according to the "insurance period". He must hold it at maturity and cannot "surrender" in the middle, not withdraw it in advance as you understand it. ) Dividend-paying insurance products can be done. Furthermore, you can understand that the products of several "insurance companies" selected by ICBC must be able to bring overall benefits to our bank. Because ICBC's own operating results have to be profitable, right? We are actually assessing whether they can bring us benefits. If their business results are not satisfactory, or do not meet our income expectations. They can't exist in our bank for a long time, can they? We will change the well-run insurance company to ensure the credit and reputation of ICBC.

As a financial planner of ICBC (those A or C with qualification certificates), they will also treat this matter from the perspectives of customers, you and our bank. The service concept is to maximize the interests of customers, which is also an inevitable choice to keep you. They will choose different bank wealth management products in detail according to your specific situation. After all, the benefits of our bank are increasing at the same time as you manage your money for your customers. They believe that through their observation, the annualized rate of return of sustainable and stable dividend-paying insurance wealth management products can generally reach a balanced rate of about 5% during the insurance period. Because only if the insurance company can achieve such a rate of return is acceptable to ICBC, otherwise we will not do it. However, I still want to say that if you hold it due according to the terms of the insurance (for example, if they have a term of 5 or 1 years, you can choose a product that suits you according to your deposit target, and according to the provisions of insurance products, during the insurance period, that is, the "deposit period" as you understand it, there is usually 2 to 3 times of accident protection). If calculated according to compound interest, your investment products can at least achieve the goal of outperforming inflation (CPI). In other words, your deposit can not only preserve the value, but also increase the value (if their annual average rate of return exceeds 3%, the average rate of return of the insurance companies we have chosen in recent years has reached more than 5%, such as China Life Insurance, China Ping An, New China Life Insurance, etc.). You can believe this.

In fact, investment and financial management is a continuous and long-term accumulation process, which depends on your persistence to achieve ideal results.

If you have other financial goals, you can ask the financial planner you trust for advice. They will take pains to explain them to you, because this is their job, and at the same time, they can show their talents in their careers. They will be happy to serve you. For example, you want to support the elderly; You want to educate your children; You want to buy a house, even you want to make a financial plan for your life. Because these are their majors, they will help you enthusiastically; Guide you and lead you gradually onto the real road of financial management. So that you can fully enjoy a happy and beautiful life. The goal of freedom, autonomy and freedom in your rich life is also a higher level for their career. And these all need your cooperation, and there is a long-term systematic planning and preparation for your own property. You should re-plan your life and the reasonable distribution of your family's financial situation. Then you have to figure out how to spend your money. Need to establish a short, medium and long-term spending goal. What should we do now? What should I do in the long run? Everyone should think about it and plan. In fact, this is investment and financial management!