1. Why do you want to sign up for private education in finance and business?
202 1 year, I was in the process of career transformation. According to the plan of a professional, I chose to enter the financial industry. In the financial industry, I first came into contact with an insurance brokerage company. At that time, I thought that insurance brokers were very professional people who could help many people, and then worked for half a year.
Later, I met my husband unexpectedly, and then I chose to get married and have children, so I focused on my family, but at the same time I was thinking, "How to carry out my work?"
Facing the new industry, I still know nothing and am not professional enough. I feel that I have no confidence in talking about insurance with my customers. So when I was pregnant, I began to improve my professional ability, took the certificate of underwriter and adjuster, and got a deeper understanding of insurance knowledge.
When the baby was pregnant, I thought, learn more professional knowledge and enrich myself.
And only theory, no practice, feeling is still empty talk, so I found some information on "if the insurance is properly configured" on the Internet, unconsciously found the profession of "financial planner" and learned what financial planners do.
The first time I listened to Mr. Huang Dong's class, how to correctly allocate insurance and the development direction of insurance practitioners, I suddenly realized, "Oh, I have entered the financial industry. I only know that insurance is a tool. The correct financial thinking is that we need to use a variety of financial tools to manage our wealth and allocate our family assets in all directions."
So, I jumped out of the insurance thinking and signed up as a senior financial planner. I spent more than a month nursing, taking care of my baby and studying, insisting on studying for at least 6 hours every day, and completing the exam time 120 hours.
I always feel something is missing after I have tested my theoretical knowledge. I tried to make a comprehensive financial proposal for my family. I found that I still can't!
"I can't do it myself, but also give others such a plan? How to manage money for others? How to become an excellent and qualified financial planner? "
I finally understand that "knowledge is easy to do", learning knowledge is easy, and it is too difficult to practice!
So, I was thinking, "How do I land? How? "
I didn't expect that I reported to the financial business state. In addition to the certificate of financial planner, there are also private teachers who can teach you how to allocate family assets one by one!
It's really great!
I really feel that I have seen the light and the smooth road!
But as soon as I understand, private education costs 39800! I was scared immediately, too. This is the first time that I have to invest so much money in my study.
I'm still hesitating to discuss with my husband, who also thinks the cost is too expensive, and wants me to "work" first and learn these later.
But when I think about it, I have to take care of the baby at home for at least half a year, and I can't be idle, right? I'm a busy man! And I really need to go to the professional level, otherwise I always feel that I am too vain and unprofessional at all!
After thinking for a long time, I asked myself, "Do you want to be a professional financial planner in the future? Do you want to take care of your family assets? Is it necessary to understand the financial industry? Is it necessary to understand the underlying logic behind money? "
Finally, my answer: "Yes! Start early, start late, and start sooner or later! In the future, I will definitely have money! "
With this belief, I decided to teach privately.
I saw Tietie's sharing when I signed up for private education. She also changed from a treasure mother to a financial planner, and began to study and study when the baby was more than two months old. She worked in a bank before, also went to an insurance company, and finally chose a financial planner.
Teacher Tietie's experience is very similar to mine. Finally, I chose her as my personal tutor.
April 1 to May 1 1 in 2022, and completed the course of senior financial planner;
From May 2022 1 1 to July 2 1, it took two months 10 days to complete the1process of private education.
2. What did I get from my study?
First, establish a correct financial and business thinking.
After not studying, my financial thinking is really poor. I don't know how to invest, how to Qian Shengqian, how to calculate annualized rate of return and how to manage money.
Although I majored in accounting in college, I can understand financial statements, but I can't understand the underlying logic behind it, I can't use it flexibly, and I don't know how to use it at home.
Graduated from 20 17 and came to Shenzhen to work hard alone. After graduation, I have to make money by myself, but my income has been relatively low, at around 4,000-5,000, and my consumption in Shenzhen has reached nearly 7,000-8,000, making ends meet, and I often use Alipay's "borrow money to spend".
Finally, for more than two years, I didn't make any money, but I didn't know it. I owe more than 65438+!
Then forced to survive, I went to do telemarketing, and it took 1 years to finally pay off the debt!
Now think about it, it's terrible to have no financial thinking!
I also have some friends around me, like me, all kinds of installment consumption, all kinds of credit cards, flowers and loans.
When studying financial business, I found that behind these "installment consumption" and "installment loans", the longer the installment time, the higher the interest. If it is divided into 24 periods, use a financial calculator to calculate 15%! ! !
The national GDP is around 8%, and the interest rate has gone to 15%. Don't be too scary!
Really "everyone's value is determined by cognition!" If you don't understand the underlying logic behind various financial instruments, you really can only become a slave to money without knowing it!
Secondly, I understand the basic logic of financial markets and financial instruments.
For financial instruments, I used to know only bank deposits, balance treasure and insurance;
Now, I know not only stocks, funds, stocks, real estate, venture capital, options and blockchain. And I also understand the underlying logic behind each financial instrument, and I can also analyze the yield of each investment. Make money? How to make money? Where are the risks?
Know every financial instrument and how the financial company behind it works. How to make profits? , in my heart is very clear.
Now, whether you invest by yourself or analyze for others, you have your own judgment standards and data to rely on, and you will not be tempted by all kinds of "false information" and "money".
Third, professional improvement.
Through the 1 1 process, they are: 28 financial business practice courses, financial calculator, fund analysis, insurance planning of risk planning, financial diagnosis of the first family, comprehensive financial proposal of the first family, cash consumption expenditure planning, education planning, pension planning, real estate planning, and comprehensive financial proposal of the second family.
In this process, while learning, while landing, first analyze from your own family.
1. I made a cash plan and left enough living reserve fund;
2. I made a fund analysis.
I analyzed hybrid funds, stock funds, bond funds and hybrid funds from nine dimensions, such as fund company, fund profile, fund manager, prospectus, historical investment performance, fund risk parameters, fund investment target and fund rate, and analyzed more than 20 funds, and selected funds with annualized market return rate exceeding 15%.
After doing fund analysis, I started to invest, and now I have income from Qian Shengqian. After investing for more than a month, the income is 3740 yuan, and it costs nothing at all, so you don't have to take care of it yourself. With the long-term holding, it will only increase.
3. Made an insurance analysis.
In the insurance sector, I spend the most time, 1 month!
Although insurance-related certificates have been considered before and have theoretical basis, it is still difficult to analyze them.
By analyzing the operation mode of insurance companies, we know that insurance companies are not suitable for investment, and its real value lies in protecting this piece.
Guaranteed in critical illness insurance, medical insurance, accident insurance and life insurance;
Financial insurance, including dividend, universal insurance, investment-linked insurance, annuity, etc. According to the Insurance Law, the book balance of insurance funds invested in stocks and equity funds is not higher than 20% of the company's total assets at the end of last quarter, which means that 80% of the insurance company's funds can only be placed on fixed-income products, and the yield of fixed-income products is relatively low. After deducting operating costs and premiums, the final rate of return of insurance companies is around 3%.
Therefore, the real value of insurance is protection, and doing a good job of protection is an important risk planning for every family.
In the analysis of insurance, insurance clauses and exemption clauses are very important, which can be insured, which can not be insured, and what to insure specifically, including the cash value at the time of surrender.
But 90% people in the market will buy the wrong insurance, and there is no analysis from this aspect at all.
I analyzed more than 20 insurance policies of a customer, and it was really sad. Insurance is not done well, and there are a lot of financial insurance, which misses the prime time of re-election.
I also made an insurance plan for our family, and the annual premium is the driving force for my future efforts.
4. Education planning and pension planning
I also made an education plan for our family, prepared 18 years in advance, and used time to resolve risks;
I made a pension plan, prepared 32 years in advance, to ensure that the living standard after retirement can not be lower than the current living standard.
5. Make a comprehensive suggestion for family financial management.
After each plan is completed, your own comprehensive financial advice will be completed.
Looking at the comprehensive financial proposal at home now is really full of motivation, and I know how to earn my own money, how long it can last, and what life will be like in the future!
If you solve the "uncertain future" through your "firm efforts", how can you have anxiety?
"A planned life is a blueprint, and a life without a plan is a puzzle."
With financial thinking and financial planning, my future is a blueprint, just work hard!
"Because I have been caught in the rain, I also want to give someone an umbrella." I have professional skills and hope to help more people. Finally, plan your own finances and realize your own wealth freedom.
My vision is also: "Mindfulness helps 1 10,000 families to manage their finances and realize wealth freedom and physical and mental freedom". I hope you can witness with me, and we will work together and grow together.
Finally, I would like to thank Mr. Huang Dong and Mr. Xiaoyun, who established a financial and business state, giving me the opportunity to realize career transformation and let me see the hope of the future. Thank you very much
I would also like to thank my personal tutor, Tietie teacher and teaching assistant teacher, and Sister Yanzi for their help in getting me through the process of 1 1. I would also like to thank Sister Xiaoping for constantly encouraging me and solving my doubts, and Sister Yuner for her company. Thank you, you are really nice! Touched!
Everything has just begun, I will continue to move forward, grateful to meet, grateful to fate, the future can be expected, come on!