Personal Finance
Asset allocation, wealth management products, and the beginner's path to a sensible portfolio — learned in public, one concept at a time.
01Personal Finance (1): Why Asset Allocation Matters
Why your money shouldn't all sit in one place — and what 'allocation' actually means, explained by someone who just …
02Personal Finance (2): The Product Zoo — From Money Market Funds to Gold
A field guide to every financial product a beginner will encounter — what each one actually does, explained with kitchen …
03Personal Finance (3): Bank Wealth Management Subsidiaries — What '理财子' Actually Means
The post-2018 world of bank wealth management in China — net-value products, R1-R5 risk levels, and fixed income+ …
04Personal Finance (4): Index Funds and ETFs — The Lazy Investor's Edge
Why most people should just buy the index — the data, the fees, the Chinese landscape, and the dollar-cost averaging …
05Personal Finance (5): Bonds and Fixed Income — The Stable Half of Your Portfolio
Bonds explained for the person who always skipped that section — yield, duration, the seesaw with interest rates, and …
06Personal Finance (6): From Theory to Practice — A Beginner's Portfolio Path
The practical capstone: concrete allocation examples for 10K to 500K, dollar-cost averaging mechanics, rebalancing, …