Venture Capital Investment: You Can Become Rich If You Invest Skillfully.

What special skills do the rich have for those who work frugally and work diligently every day?

How can the rich accumulate such great wealth in their lives?

The answer is nothing more than the ability to invest and manage money.

The disparity between people's financial management knowledge is the main reason for the gap between rich and poor.

Wealth management requires only three basic conditions: fixed savings, high pay and long wait.

The magic formula of the billionaire is that there is a young man who can regularly save 14 thousand yuan a year for 40 years from now on. But if he can invest all the money he can save to stock or real estate and earn an average annual return of 20%, how much money can he accumulate after 40 years?

Most people guess the amount of money is between 2 million yuan and 8 million yuan, and at most guess 10 million yuan.

But the correct answer is: 102 million 810 thousand, a surprising number.

This data is derived from the formula of annuity according to finance. The formula is as follows: 14 thousand (1 + 20%) 40 = 102 million 810 thousand.

This magic formula shows that a 25 year old office worker can become a billionaire if he retires at the age of 65 in this way.

There are no complicated skills in investment and financial management. The most important thing is that ideas and ideas will win correctly. Everyone who gets rich in financial management will only develop habits that most people do not like and can not do.

The money is fast enough to catch up with the money. There is a saying in common saying: "two feet of a man, money and four feet" means that money has 4 feet, money chasing money, faster than people chase money.

He Xin group is the top 5 group in Taiwan. It is led by Gu Zhenfu, chairman of Shun Xin enterprise group and chairman of Taiwan trust.

The outside world always wants to know whether the nephew is richer or richer.

Gu Zhenfu is in the middle of the slow Lang.

Gu Qiyun, Gu Zhenfu's eldest son, general manager of Taiwan life insurance, knew them very well. He said, "if money is put into Gu Zhenfu's pocket, it will not come out, but it will disappear in his pocket."

Because Gu Zhenfu earned money in the bank, he spent all the money he earned.

The result is that although the two age difference is 17, nephew's life is far ahead of his uncle Gu Zhenfu.

So how much money you can accumulate in your life does not depend on how much money you earn, but how you manage your finances.

The key to getting rich is how to manage money, not to increase revenue and reduce expenditure.

At present, savings are still the traditional way of managing money for most people.

But money is the safest bank in the short run, but in the long run it is the most dangerous way to manage it.

What's wrong with bank deposits?

The mistake is that interest rate (rate of return) is too low to be used as a long-term investment tool.

He also assumes that a person deposits 14 thousand yuan a year, and he deposits all the money into the bank and enjoys an average interest rate of 5%. After 40 years, he can accumulate 14 thousand yuan (1 + 5%) 40 = 1 million 690 thousand yuan.

Compared with the project with a return on investment of 20%, the difference between the two returns is 70 times.

Many financial experts suggest that 3 assets be shared, one deposit bank, one investment real estate, and one investment in the more speculative tools.

We might as well recommend that your portfolio be "two big and one small", that is, most of the assets are invested in the form of stock and real estate, and a small part of the money exists in financial institutions for daily life.

The most secure investment strategy is "marathon competition" rather than "100 meter sprint" rather than endurance rather than explosive force.

The most secure investment strategy for short-term unpredictable and long-term high return investments is to invest first and wait for opportunities to reinvest.

Xu Qiyun, editor in chief: