Use 3 million yuan of principal and save tens of millions of assets in 5 years! College teacher Jiang Jiyun teaches you how to deposit "free stocks"

Editorial: How to achieve financial freedom after leaving the office? College teacher Jiang Jiyun, feeling the impact of the education industry by the severity of birth, set a "10-year plan for exiting the campus" for herself, hoping to achieve the goal of annual dividends of millions. She adopts the "band stock deposit method" to choose companies with good quality and a certain period of prosperity, earning a band price difference, and also obtaining dividends with a yield rate of 5 to 7%. Under the dual control, you will make your own pension.

40-year-old starts to deposit a pension, and it’s time to come! Jiang Jiyun, assistant professor of the Department of Corporate Management at the University of China, was moved by the impact of the education industry by the low birth rate six years ago, and decided to "advanced deployment" financial management plan so that she could also have a stable financial guarantee after leaving the campus. After 5 years of depositing the shares, the original 3 million yuan principal has been reclaimed.

"Although I love teaching, I believe that it will be more difficult to stay in school in the future." Jiang Jiyun recalled. Before her 43 years old, her financial management style was conservative, focusing on funds and fixed deposits. However, the fixed deposit interest rate is getting lower and lower, and the fund rebates the rebates and management fees, leaving little profits left. At this time, she had made up her mind to leave the campus within 10 years. If you want to earn more passive income, you must change your investment model. So, she aims to invest in the stock market with an annual dividend of millions.

The stock deposit method that can be attacked and retreated and defended is aiming to make profits of 3, and deposit "free stocks"

In 2015, Chinese stocks caused a decline in global stock markets, and Jiang Jiyun entered the market with a principal of 3 million. In the early stage of investment, she chose the stable financial stock CITIC Gold (2891). In September of that year, CITIC Gold's stock price fell from 18 yuan. She bought all the way and finally bought 185 pieces at an average price of 16 yuan. The following year, CITIC Gold allocated 0.81 yuan per share and 0.8 yuan of shares, allowing her to gain nearly 150,000 dividends and 14.8 stocks. After the dividend was filed, she bought another 200 shares of cash, with a total of 200 CITIC Gold stocks.

She originally planned that if CITIC Jinji's future dividend policy does not change, as long as he continues to invest in the dividend, he can successfully achieve the annual dividend goal within 10 years. However, in 2017, CITIC Gold no longer allocated stock dividends, but only allocated cash dividends of 1 yuan per share. In this way, if you want to earn an annual dividend of millions, you need 15 million to 20 million principal and buy 1,000 shares of CITIC Gold to achieve it.

Wishful plan to be beaten up, she decided to change the investment method. As a university professor, she showed her research spirit and observed the stock price trends of different companies. She found that some companies with excellent quality will experience a prosperous cycle every 2 to 3 years. Find a relatively low-priced purchase and wait patiently for the relatively high-priced sale, which can make a profit of about 20% to 30%.

When the stock price reaches the expected profit target, she will sell the stocks that are equivalent to the principal, leaving behind free stocks with "zero cost" and allocate dividends every year. The recovered principal can be invested in other bids. She called this investment method the "band stock deposit method", which allows you to earn a poor price, refunds and earn dividends, and accumulate wealth faster.

How to choose a good company? 4 indicators, picking out the golden chicken that can lay eggs, Jiang Jiyun's metaphor, this method of storing stocks is like a farm owner going to a chicken farm to buy chicken. After 2 or 3 years, the chickens will be sold to the market and recovered their costs. The owner can wait for a good time in the market to buy other poultry, and the remaining chickens on the farm can also continue to lay eggs and sell money.

However, how to find a high-quality chicken farm at the beginning to ensure that the chickens can really grow up healthily? Jiang Jiyun proposed four stock selection standards: good quality, development prospects, decent business, and stable profits.

For example, she once saw an automatic account at a big sale. Out of curiosity, she met Mengli (2464), a large manufacturer of automated equipment. After checking the data in a closer manner, I found that many well-known companies in China, such as Taiwan Electric, Yimei Food, and Love Taste, are all customers of Mengli. She believes that automatic account will be a future trend of business development and deserves continuous attention.

Furthermore, the shareholding of the Mongli Superintendent has remained at 13.5%, and the application for transfer is mainly based on credit and trust, and there has not been any abnormal phenomenon. "This representative, Director Dong is very confident in his company, which is in line with the principle of "decent business"," Jiang Jiyun pointed out.

As for "profitability", she will observe indicators such as shareholders' equity return rate ROE, earnings per share (EPS), gross profit margin. She believes that the ideal investment target is that ROE has an average of 15% in the past five years and EPS has an average of 2 in the past five years. When she bought Mengli in 2020, her ROE was roughly above 12%, and her EPS was also above 2 yuan for many years. In addition, Mengli's gross profit margin has remained above 15% in the past 10 years, indicating that the company has certain additional value creation capabilities.

She reminded that if the stockholders aim to create passive income, they must find a stable company that issues dividends. Taking Mengli as an example, the company has issued dividends for 23 consecutive years, and in recent years, cash dividends per share have been allocated about 2 yuan. In the past two years, the yield rate reached 5 to 7%, which is a good deal for her.

How to find the time point for entry and exit? The "Black Sky Wire" incident happened. When should I buy a good time machine

and choose a good company? Jiang Jiyun uses technical analysis methods to open the stock app and choose a weekly or monthly line. When the K line crosses the D line from bottom to top, it means that the price is close to a relatively low point in history. On the contrary, when the K line crosses the D line from top to bottom, it means that the stock price is close to a relatively high point. If you know where the high and low points of the stock price fall, you can set the time to enter and exit the market. "For example, the lowest point of the previous cycle was 52 yuan, and I might set 50 yuan as my entry point.".

What if you have not reached a profit target of 20% to 30% after buying a stock? Jiang Jiyun pointed out that stock prices will definitely fluctuate. But if the company issues dividends every year, it can be secured and wait for the time being to make a profit.

She bought 5 stocks of Kwai (2451) at a price of 80 yuan per ticket in 2018. In the next year, the stock price began to hover around 60 yuan. But she did not appear because these five stocks allowed her to earn a dividend of 30,000 yuan in the first year, with a yield rate of about 7.5%. The following year, a cash dividend of 5 yuan per share was created, with a yield rate of 6.25%.

Although the dividend yield rate is good, Jiang Jiyun also noticed that the founding revenue has declined year by year. She was patiently waiting for the departure time. The competition founded in 2020 caught fire and the turnover effect occurred, and the stock price finally rose. She took off at nearly 82 yuan and recovered her principal.

She emphasized that when choosing stocks, you must observe the fundamentals of the company. As long as the company has a strong body, there is no need to worry about short-term stock price declines. Even when the stock market is in the dark and the stock price of good companies falls, it is the time to enter the market. "Buffett said that every bubble has a bullet waiting for him. When the stock market collapses, it is impossible to expect, but if you stop at this time, you will not be able to get cheap stocks."

Now she has tens of millions of assets on her account, she can earn about 600,000 dividends a year, and is one last mile away from her million target. She still works in school, but she has a more realistic blue picture for the future. In addition to her teaching profession, she also likes painting and painting, hoping to further develop these interests in the future. Only with a safe and reliable source of wealth can one pursue dreams with confidence!

Original text: The highest-class office worker in the Jin world record! 91-year-old Japanese OL: Work allows me to have the happiness of being needed, so why bother retire?