Risk Management on Chen Kai Bloghttps://www.chenk.top/en/tags/risk-management/Recent content in Risk Management on Chen Kai BlogHugoenFri, 15 May 2026 09:00:00 +0000Personal Finance (1): Why Asset Allocation Mattershttps://www.chenk.top/en/personal-finance/01-why-allocation/Fri, 15 May 2026 09:00:00 +0000https://www.chenk.top/en/personal-finance/01-why-allocation/<p>I have a confession. Until about six months ago, my entire financial strategy was: salary goes in, rent goes out, the rest sits in a checking account earning 0.2% annual interest. I&rsquo;m a software engineer. I can build distributed systems, debug race conditions at 2 AM, and explain why B-trees are better than hash indexes for range queries. But I never once sat down and thought seriously about where my money should live.</p>