First, the necessity of personal investment and financial management.
1, financial management makes wealth.
2. Financial management is a part of our life. Whether you realize it or not, everyone is the chairman of his own life and career. It is not difficult for us to establish self-confidence and sense of responsibility. How to manage life is a long process, which requires hard thinking, bold practice and unremitting courage to face failures and setbacks.
3. Accumulate capital through financial management to lay the foundation for wealth growth. Reasonable financial management can make us have a sum of money in our hands, and we will not miss good investment opportunities because we are poor, so as to achieve the goal of increasing value and getting rich.
Second, the principles and strategies of personal investment and financial management.
? Personal finance? It is not the patent of the rich, and there are no written standards and principles for financial management. The important strategy is that everyone should fully understand their own situation, including their age, assets and risk tolerance. From the perspective of everyone's assets, what can be divided into? Three stages? Financial management ideas are different.
(1), when you are not rich, you'd better accumulate savings by force first. Although? Can a book make a profit? . But? Ben. You must have this code.
(2) When your basic life, such as food, clothing, housing and transportation, is guaranteed, and you still have a small balance, you can choose to invest steadily and expand your accumulation.
(3) When you have money, you can choose some high-risk and high-yield investment projects on the premise of insurance. From different age groups, financial management strategies should also be different. Investing by age is based on the principle of risk diversification, but it can generally follow the empirical formula of 100 MINUS the current age.
When you are 20-30 years old, you are young and have the strongest risk tolerance, and you can adopt a positive growth investment model. According to the formula of subtracting the current age from 100, 70%-80% of the funds can be invested in various channels, and these investments can be combined.
At the age of 30-50, the number of family members is gradually increasing, the degree of taking risks is low, and the investment is relatively conservative, but the goal is still to make the principal grow rapidly. During this period, at least 50%-60% of the funds should be invested in risky investment varieties, and the remaining 40% should be invested in investment varieties with fixed income.
50-60 years old, children have reached adulthood, which is the peak of making money, but you need to control risks. You should invest at most 40% in venture capital and 60% in investment products with fixed income. Over the age of 65, during this period, most investors will put most of their funds into relatively safe fixed-income investment varieties, and only a small amount of funds will be invested in risky varieties to resist inflation and maintain the purchasing power of funds.
Related reading investment and financial management methods
1, buying hard currency such as gold: the most conservative financial management, or not at all, can only be called collecting money. Buying gold itself will not add value, but can only be called preserving value. Because this year's' 1 kg gold will still be 1 kg gold 20 years later, you won't get 1 g. When inflation is serious, buying gold is a good way to avoid depreciation. It's time for RMB to appreciate. It's unwise to buy gold, because your money ultimately wants to show your wealth in China.
Security level: very unsafe, the main risk is theft and murder, which will make people's money empty.
2. Bank deposits: conservative financial management. Rate of return = interest rate.
Security level: the safest, the main risk is bank failure, which is basically unlikely to happen. The income is too low, and it is not convenient to cash in when you need money urgently, because no one will put that much money in your life. If you need money urgently, take it out regularly in advance, and the interest loss will be heavy.
3. Buying insurance: financial management that is widely misunderstood by domestic people. Insurance is misunderstood because insurance companies sell it. When people in China buy insurance, they often consider how much income they will get. In fact, the real insurance should be that when an accident comes, you can get a sum of compensation to help you tide over the difficulties or ease your difficulties, and it is to ensure that your life will not suffer major twists and turns due to various accidents. I tend to buy some serious illness insurance, vehicle insurance, accident insurance and other contents, not to get compensation, but to hope that there will be no claims in my life.
4. Buy government bonds and corporate bonds: It is wiser to manage money conservatively than to deposit it in the bank. Higher than bank interest, national debt is also exempt from interest tax. At the same time, it can also be easily realized through market transactions. It is equivalent to obtaining regular interest in the form of demand.
Risk: National coup and national war will lead to national debt becoming waste paper. Enterprise bankruptcy will lead to problems in corporate bond payment.
5. Buy money funds: actively manage money conservatively. By virtue of its professional advantages and scale advantages, the money fund can obtain a slightly higher income than the bond itself by buying and selling bonds.
6. Buy stock funds: take the initiative to manage money. For people who lack professional knowledge, buying stock funds is a good choice. Funds can often get higher returns than ordinary retail investors through professional advantages and portfolio investment.
Risk: the risk of stock market fluctuation and the moral hazard of fund managers. Domestic funds, like state-owned enterprises, have irregular problems of one kind or another, but the rat warehouse problem is a minor problem, and the biggest fear is the transfer of interests.
7. Buy and sell stocks yourself: If you have enough confidence in yourself and can bear it, please buy and sell gub yourself. Profit and loss are the embodiment of your ability. If you have the ability, you can prove your ability by earning it yourself.
8, buy warrants: speculation! Occasionally there are investment warrants. If you are addicted to gambling, you might as well buy warrants. The fair cost and handling fee are much lower than renting a casino, and there is no risk of being caught by the police. Legal gambling, that's good.
9. Investing in P2P online loan products: The annualized rate of return is generally high, and the relatively reliable rate of return in the industry is basically maintained at around 10%. Some platforms bear 100% principal and interest guarantee risk.
Buying investment and financial management investment and financial management does not mean simply saving money, saving money, and putting money in the bank, nor does it mean simply stock trading (stock trading). Personal investment and financial management is a comprehensive, systematic and comprehensive economic activity that actively plans, arranges, replaces and reorganizes all assets and liabilities including tangible, intangible, mobile, non-mobile, past, present, future, legacy, will and intellectual property according to needs and purposes, so as to preserve and increase their value.