Personal Finance
May 28, 2026
Personal Finance
20 min readPersonal Finance (6): From Theory to Practice — A Beginner's Portfolio Path
The practical capstone: allocation tables by portfolio size, dollar-cost averaging steps, a rebalancing rule with a worked example, behavioral traps, and where I actually am.
May 25, 2026
Personal Finance
8 min readPersonal Finance (5): Bonds and Fixed Income — The Stable Half of Your Portfolio
Bonds without the padding: yield, duration, why prices fall when rates rise, and what November 2022 taught me about "safe" money.
May 22, 2026
Personal Finance
8 min readPersonal Finance (4): Index Funds and ETFs — The Lazy Investor's Edge
Why most people should just buy the index — the fee-drag math, the Chinese index landscape, and how dollar-cost averaging actually works.
May 19, 2026
Personal Finance
8 min readPersonal Finance (3): What a Bank Wealth-Management Subsidiary (理财子) Really Is
Post-2018 bank wealth management in China: net-value products, R1-R5 risk levels, fixed income+, and how to actually read a product prospectus.
May 17, 2026
Personal Finance
8 min readPersonal Finance (2): The Product Zoo — From Money Market Funds to Gold
A field guide to every financial product a beginner meets in a Chinese wealth-management app — what each one does, and where the risk hides.
May 15, 2026
Personal Finance
16 min readPersonal Finance (1): Why Asset Allocation Matters
Why your money shouldn't all sit in one place, and what 'allocation' actually means, from an engineer who just worked it out.