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Age: 21

School:  Hong Kong Baptist University, Year Three BBA (finance) student

Young Post: Do your studies help you to make money in daily life?

Chan: Yes, definitely. I have invested nearly HK$100,000 in the stock market since Year One.

At the beginning, I lost money sometimes, but I have a better knowledge of the market and make more profit now.

I  analyse market trends with teachers during  lectures.

I am very happy that what I have learned at university has become useful in  my life.  I have earned at least HK$20,000 so far. My parents and my elder brother also invest in stocks. They encourage me, too.

YP: Do you have any other income?

C: Yes. I tutor six secondary school students and earn HK$100 to HK$120 per hour.

I teach each student for at least two hours a week. So I earn more than HK$1,000 a week.

In addition, I teach piano to three students.  I charge them HK$140 to HK$250 per hour, which means I am earning about HK$600 a week.

YP: What do you do with your income?

C: I buy clothes, eat out and spend on  entertainment. I don't really pursue brand names.

Even if I buy  an expensive handbag, I will use it for a long time.

Also, I regularly put HK$2,000 in my investment account to buy shares.

I mainly buy blue chips because the risk is lower.

My parents pay my tuition fees so I do not need to worry about that.

YP: Do many finance students invest in the stock market like you?

C: Not really. I guess about three or four students out of  10.

Some do not save enough money to invest. I earned my capital quickly by tutoring many students.

YP: How many credit cards do you have?

C: Only one. I think credit cards are too much of a temptation  because we don't need to pay cash for transactions. Then your spending may easily get out of control.

I never exceed  my credit limit.



Your money: Jasmine Chan Tsz-ping