1, good personal investment and financial management mentality
As the saying goes, mentality determines success or failure.
The purpose of financial management is not only to use investment tools to come to Qian Shengqian, but more importantly, to keep family finances in the best state and meet the needs of families at all stages.
Simply put, it is to make family life better. Suggestions on how to have a good investment and financial management mentality can be made from these three steps:
First of all: set clear investment and financial management goals, such as buying a car within 1 year; 3 years to buy a house, etc. ;
Secondly, choose investment and financial management methods suitable for individuals and families;
Finally: patient persistence, persistence is victory.
2. Have a suitable wealth "housekeeper"
In addition to a good investment and financial management mentality, investors also need a suitable wealth "housekeeper", which can make investors' investment and financial management achieve twice the result with half the effort.
You know, investment and financial management is a complicated and big project, which involves all aspects of life, such as necessities, food, clothing, housing and transportation. ......
In addition, investors should learn to invest, not only correctly analyze the market situation, but also learn to choose investment methods, and know the advantages and disadvantages of various investment methods in the market like the palm of their hands.
For some people who are not proficient in investment, it is necessary to turn to such a wealth "housekeeper" to help protect wealth.
3. Learn to correctly judge the market.
Although an excellent wealth "housekeeper" can help investors, investors themselves should also learn to correctly judge market conditions.
Financial planners will not give investors any investment decision-making power. Take financial services as an example. Financial planners will give personal or family financial advice to customers.
Moreover, it will recommend more suitable investment methods according to financial and risk preferences, and clearly inform the risks.
But the final investment decision is still the customer himself, so investors must also make a correct analysis of the market.
It is suggested to pay more attention to internet financial events, communicate with professional financial planners and watch CCTV news.
4. Investment funds
If you want to invest in Qian Shengqian, investors must have a fund available for investment.
Those family reserve funds, children's education funds and pensions must not be invested, so they have to "save one hand" for themselves and invest only with spare money.
In addition, as much as you invest, such as 50 thousand, you can leverage investment, and 20 times the leverage income is higher.
But don't borrow money to make a big investment, not only the risk will increase, but also the loss will be very heavy!
5. Suitable investment projects
Finally, investors must have a small investment project that suits them. The so-called "fit" means that according to the needs of investors, according to the financial objectives of individuals or families, the overall financial situation, investment funds,
And choose investment projects or personal investment and wealth management products that suit you according to your own risk tolerance.
You know, an investment project that suits you is definitely more stable than investors who pursue those high-risk investments.