It Takes Seven Steps For Office Workers To Get Rich By Salary.

　    薪水致富步驟一 一進職場 先買保險

Huang Peizhi, assistant manager of CITIC wealth management department, believes that the global economic boom has been good in the past three years, but the situation in Taiwan has not improved. In recent years, wages have not risen, but prices have gone up, so that the wage people are feeling the pressure, and those who want to get rich by salary will have to work harder. First, they want to save 1/3 from their salaries, and then want to invest and manage their finances.

Huang Peizhi suggests that the first thing a worker who has just entered the workplace is to buy insurance after he gets the first salary.

Buying insurance at a young age is not only a cheap premium, but also a basic guarantee for yourself.

He suggests buying high security insurance that can be purchased at low cost, such as regular life insurance or multi-functional insurance, such as investment policy.

General office workers can plan "insurance double ten law".

That is to say, the insurance premium is the ten times the annual income of the family, and the total premium is the best one of the annual income.

Wei Jiayang, who has just entered the workplace half a year ago, is the first to receive insurance after his first salary.

Because his father died of cancer last year, he bought medical insurance under his mother's advice, and he also bought regular life insurance with high security but relatively low price. The monthly premium is not more than three thousand yuan, which is quite suitable for the low salary families.

　　薪水致富步驟二 學會記帳 不作無謂消費

After buying insurance, the next most important thing is to learn to keep accounts.

Chen Meiling, director of financial services at Fubon Bank, believes that keeping accounts can help you understand all the expenses and understand what consumption can be saved.

"Spend money on the knife edge without making unnecessary consumption."

Chen Meiling's books helped her a lot.

Chen Meiling has been keeping accounts for five or six years. She will turn over the books and examine them again and again. Sometimes she finds out that some money does not need to be spent.

It was like she had spent two or thirty thousand yuan on gym equipment, and had not been put on the shelf for a few times. When she reviewed the bill, she was sure that the money should not be spent. Once it was discovered, she would put a note on the account book to remind herself that she would not do it again.

If the office worker wants to save some money from his salary every month, Chen Meiling thinks that keeping accounts is the best way to save money for you.

　　薪水致富步驟三 提撥三分之一薪水理財

Developing accounting habits can effectively control expenditure.

Chen Meiling, for example, if you set aside twenty thousand yuan a month, you can first deduct the money you want to save, and think about how to control the rest.

For example, an office worker with a salary of fifty thousand yuan can take 1/3, or fifteen thousand yuan, as investment and insurance expenses; 1/3 for housing or rent, and 1/3 for living expenses.

It may be difficult for some people to live on 1/3 salary, especially the moonlight clan. It is difficult to control the consumption desire. Chen Meiling suggests making a list before shopping, and buying it according to the list will not overspend.

According to her observation, many people only buy something when they are shopping. As a result, they may buy more than five or six things, so it is easy to overspend.

Before she goes to the store, she must make a list and buy it according to the list, so that she will not buy anything that she should not buy, and it will not exceed the amount of living expenses she set.

Yang Liyu's method is calculated according to the number of people in the family, five thousand yuan per person, plus the total cost of living this month, for example, there are five people in the family, five thousand yuan per person, and the monthly living expenses are twenty-five thousand yuan. When they had not had children before, two people were ten thousand yuan. Over the past ten years, she has been running according to this mode, living smoothly and not feeling scarce, and can also save 1/2 or three cents per month for investment.

　　薪水致富步驟四 依目標及需求 專款專用

Yu Zhilan, deputy general manager of the far east bank's personal financial undertakings group, reminds the salary families that when making financial planning, they should first have their own overall needs, such as whether there is a demand for housing, or whether their children's education fund or pfer or retirement needs should be clear.

At the same time, depending on your ability to plan, do not unrealistically think of a lot of needs, but can not do it, or demand too much, only one plan at a time, without taking care of other needs.

The best way is to special-purpose, and she has divided the accounts into several parts and named them, such as "the rose garden", the retirement fund is the "soup flower love", the education fund is "I love * x", reward their own account, and even can be called "Du Baiwo came!" each person can set up a special account according to the needs of different stages of life, and put money into these accounts every month. Through investment and financial management, these accounts will gradually accumulate wealth, and earmark the funds, so as to avoid the exclusion of funds and ensure that the needs are taken care of.

    　薪水致富步驟五 善用復利 先存第一桶金

"Money can only be made by making money, leaving money to make big money".

The importance of the first barrel of gold is emphasized.

When she was thirty-five years old, she realized that she had worked for many years and had not saved any money. From the age of thirty-five, she bought the fund regularly on a regular basis. After seven years, the compound interest effect showed that it had accumulated tens of millions of yuan.

With the first fortune, investment can be accelerated, such as investing in real estate, buying in dips, and speeding up getting rich.

If we can start earlier, we believe that today's wealth is more than that. She encouraged her office workers who had not yet saved their first fortune to start early and create wealth with compound interest.

Yang Weikai, vice president of HSBC, emphasized that the compound benefit produced by the office workers to make good use of time will start from six thousand yuan per month and increase the investment amount with the increase of salary. Regular fixed investment fund can accumulate to the first one million yuan in six years.

　　薪水致富步驟六 資產配置 穩健與積極兼顧

After the first one million yuan, then the asset allocation.

He suggested that assets can be divided into core assets and satellite assets, and core assets refer to prudent investments. The rate of return is about 6% to 8%, which can account for 70%. For example, fixed income investments such as global equity bonds, balanced funds and REITs, satellite assets refer to riskier investments. The purpose is to find money for aircraft, and the rate of return is between 10% and two%, which can account for 30%, such as emerging markets, Eastern Europe, raw materials, energy funds and so on.

He suggested that with the increase of age, the ratio of core assets should be increased. From thirty to forty years of age, the core and satellite assets can be seven or three to four, 50 years to eight, two to five, sixty years old to nine, one to one, and retirement to one hundred percent core assets to reduce risks.

Perhaps you have been acting for many years, accumulating the first fortune of your life. Maybe not yet, but no matter how much salary you get now, from today on, you will save 1/3 of your salary every month and do well in investment and financial planning. I believe you can make progress step by step towards the road to prosperity.

　    薪水族理財7大注意事項

1. don't be a "shining brush". Over consumption.

2. it is best to set aside 6 months of living capital. Do not overestimate the amount of money invested.

3. don't be overly optimistic in anticipation of investment results.

Endowment

4. do not invest in unfamiliar and risky commodities.

5. a prudent fund should continue to deduct money when it is short.

6. regularly inspect investment status, but do not pay too much attention to it, so as to avoid interference from long-term investment.

7. set stop loss and stop point.

Yang Wei Kai

At least 1/3 of your salary and regular investment in mutual funds can help you avoid emotional interference from investments.

Yu Zhi LAN

Special accounts are set up for different needs, and a certain percentage of monthly salary is paid to these accounts. Funds are appropriated to avoid mutual exclusion of funds.

You Li Mei

Without capital, it is impossible to make money. It is better for an office worker to accumulate capital before he is 35 years old.

Huang Bei Zhi

　　設定理財目標，針對目標進行規畫;想好每個月要存多少錢，扣除儲蓄，剩余才是可以花用的錢。