Investment

It’s difficult for ordinary people to understand a policy document, and traditional financial planning is based on understanding annualized returns. However, the calculation method of an increasing term life insurance policy is Internal Rate of Return (IRR), and there’s a difference between these two – what’s the difference and why does it exist? When funds are invested in one go, Internal Rate of Return (IRR) and Annualized Return (Annualized Return) produce the same results.

AI has been integrated into daily development workflows, and recent investments have shifted focus from external funds to internal stocks and ETFs. Open Source Projects Project Log Last week, I was bored and tried to obtain GitHub badges, starting to use the Issue module. Previously, when writing code, I always wanted to find a place to record the content of each AI modification, but creating a separate document to record it felt disorganized.

Reflecting on years of stock trading experiences, although I didn’t make a fortune, I also didn’t lose too much. The biggest issue was an unreasonable allocation of funds and an unstable mindset. Currently, my primary source of income is work, earning a fixed salary each day through part-time jobs, and my ability to withstand financial fluctuations remains at the level of bonds and bank deposits. However, people are inherently greedy; if you buy too little, even when prices rise, you won’t make money; and if you buy too much, you will lose money.

Those of us born in the 90s, we didn’t really feel the impact of the 2008 financial crisis – after all, we were young and hadn’t yet started to focus on finance. The roaring bull market of 2015 came with a lot of fanfare, and when it ended, it made quite a stir, ultimately requiring government intervention to stabilize the markets. Simultaneously, this brought the concept of “funds” into the view of ordinary people.