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Review The Bad Habit Of "Leaking Money" &Nbsp; Do Not Wait For Money To Manage Again.

2010/11/10 16:00:00 56

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In daily life,

Conduct financial pactions

Improperly may become "leaking money".

Will it really be stable to add money to banks? Do you have enough money to start managing your finances? In an economic society, "you don't manage money, money doesn't care about you" has become a common understanding.

However, at the specific operational level, many people lack correct ideas, but are prone to fall into various misunderstandings and unconsciously.

Therefore, it is doubtless correct for us to understand the mistaken ideas of daily investment and financial management and compare our financial habits.

Investment

Financial management has a positive meaning.

Too conservative will weaken investment intensity.

Traditional families like saving, and most of the money is spent on regular and current accounts.

Careful observation shows that there are still quite a few people in this life.

Savings can indeed earn interest income, which is also an investment.

But don't forget, at present, the interest rate level is relatively low, and the actual amount of inflation is not much. Inflation is calculated. Savings are basically not profitable, and even lead to "shrinking funds".

Therefore, this kind of investment is the most uneconomical. When we have a certain wealth, we should never stick to it. Instead, we should make full use of its regenerative ability to gain more profits.

Have money to manage again

"Almost nothing.

savings

What kind of money do you have? "This is the idea of many urban white-collar workers.

In fact, financial management is a problem throughout one's life. Many financial experts believe that the sooner the better, the better.

Only through personal experience can we turn to real financial experience.

In addition, many investors fantasize about a universal financial management method, which is actually a reasonable asset allocation.

At present, many banks and fund companies have launched the "fund portfolio" investment, whose core is also an asset allocation.

Don't blindly trust others.

The most important quality of investment and financial management is independent thinking, self advocating, and not blindly trusting others.

What we call "credulity" here is to believe without doubt that no matter what other people's opinions are right or not, they will never believe it without thinking.

In fact, before making an investment decision, it is very important to brainstorm and listen to and accept opinions from all sides, but others' opinions can only be used as reference, and we must never judge our own judgment.

Don't wait for money to manage your money again. So how can we manage the money in proportion to the people who have a lot of spare cash on hand?

Financial advisor suggests:

A, venture capital investment ratio (%) =100- age.

This is a relatively simple formula for personal finance, which is used to calculate the appropriate proportion of personal investment in stocks, funds and other risky assets.

If the age is 30 years old, the free assets are 100 thousand yuan, and 70% or 70 thousand yuan can be used to invest in stocks, funds and so on.

At the same time, this ratio can also be adjusted to 10% to 20% according to personal risk tolerance and risk preference.

The sum of B and emergency funds =3-6 months.

Regardless of the family or individual, in addition to investment, we should reserve a certain amount of emergency funds to prepare for a rainy day.

Generally speaking, if a person with a fixed income can reserve 3 months' monthly expenditure, if he is an unstable income person, he must leave half a year's expenditure.

C, after removing funds from A and B, the remaining part is used to save or purchase treasury bonds.

For the above proportional financial management method, investors should make appropriate adjustments according to the actual situation of their own. For example, the future children's education needs to reduce the investment proportion of risky assets.