Financial philosophy and experiences
1. What do you think are the most important methods for accumulating wealth？
Active investment Salaries Family assets Good luck

2. Regarding the philosophy of expenditures and saving, which one do you agree the most？
Save as much as one can Spending money is as important as making money. No need to save that much
Make merry while one can. No need to worry about making ends meet

Questions about profit and loss：Budget and expenditures
3. Do you have the habit of keeping accounts？
Yes No

4. Do you budget income and implement budge plans？
I don’t budget income I budget income but don’t implement budge plans I budget income and implement budge plans

5. How much money can you save each month, after deducting all the expenses, including loans and credit card debts？
Income is not enough for spending Nearly spend all the income Can save less than 30 percent of income
Can save 30 to 50 percent of income Can save over 50 percent of income Not clear

Questions about asset liability management：Saving, investment and debts
6.How do you manage your finance？
I don’t manage my finance as I have no money Deposits Mutual funds Stocks Real estate Insurances
Bonds Joining “rotating credit associations”

7.How many kinds of loans (debts) do you have？
I don’t have any loans Credit loans Housing mortgages Auto loans Loans made by friends and relatives
Student loans Credit card debts

8.Of your total income, how much do you spend every month to repay loans or debts, including credit card debts? Those who do not have debts and therefore skip this question earn 10 points？
Under 30 percent of income 30 to 50 percent 50 percent and above

Questions about cash flow
9.Have you prepared emergent funds for rainy days？
Yes No

10.Compared with your income, how much is the emergent cash you prepare？
Less than one month of income One to three months of income Four to six months of income
Over six months of income

11.Have you bought any of the following insurances？
None of them Life insurance Accident insurance Medical insurance (excluding National Health Insurance)
Ivestment-linked insurance

12.Compared with your annual income, how much is the payout of your life insurance？
Less than my annual income One to three times of annual income Four to six times of annual income
Seven to 10 times of annual income Over 10 times of annual income

13.How do you prepare living expenses after retirement as there won’t be any salary income？
No preparations
Labor Pension Fund and Civil Service Pension Fund Labor Pension Fund that employers set aside
Mutual funds Stocks Insurances Deposits Depending on family members in the future

Financial philosophy and experiences
1.What do you think are the most important methods for accumulating wealth？

2.Regarding the philosophy of expenditures and saving, which one do you agree the most？

Questions about profit and loss：Budget and expenditures
3. Do you have the habit of keeping accounts？

4.Do you budget income and implement budge plans？

5.How much money can you save each month, after deducting all the expenses, including loans and credit card debts？

Questions about asset liability management：Saving, investment and debts
6.How do you manage your finance？


7.How many kinds of loans (debts) do you have？


8.Of your total income, how much do you spend every month to repay loans or debts, including credit card debts? Those who do not have debts and therefore skip this question earn 10 points？

Questions about cash flow
9.Have you prepared emergent funds for rainy days？

10.Compared with your income, how much is the emergent cash you prepare？

11.Have you bought any of the following insurances？

12.Compared with your annual income, how much is the payout of your life insurance？

13.How do you prepare living expenses after retirement as there won’t be any salary income？