"Sloth" Lazy Person: Making Money Requires Only Three Simple Measures.

Laiden financial Treasure Book

"Rather than managing money, I mean saving money, frying stocks and funds, and I don't know much about it, and I don't have much energy to invest in it."

There are not a few people who share the same views with Mr. Sun. Although people's financial management concept has made great progress, most families have a relatively simple way of managing their finances. More than 60% of their capital is bank savings, and many families have not yet carried out scientific and rational family financial planning.

Mr. Wang, whose annual income is 150 thousand yuan, is considered a white-collar worker, but the days are still very tight.

The existence of banks on a regular basis, the interest is pitiful, take 100 thousand yuan deposit on a regular basis, the income is more than 2000 yuan, connectivity inflation can not resist.

Some of the money invested in the stock market and the capital market is up and down. There is no fixed number. Not only did they not earn money, but now they have lost 30%.

In the process of family financial management, we should choose suitable investment channels according to the financial situation. Different investment channels are different in risk and security, and we should rationally allocate the proportion of different risk products, so that we can achieve long-term and short-term complementing each other so as to achieve laziness without blindness. While taking into account safety, we also have profitability and liquidity to achieve the goal of family financial management.

For investors who lack financial knowledge, it is advisable to choose excellent professional investment advisers and make financial planning.

Laider financial treasure two learn to accumulate a lot

Many young graduates have a plan to buy a car for 3 years and buy a house for 8 years, but few can really do it at the end.

The reason is that there are misunderstandings in financial management.

No small focus, financial management as soon as possible, assets can not appreciate steadily, it is difficult for ordinary citizens to achieve the desire to buy a car in the short term.

Aiming at this, the financial planner recommended the "fixed quota investment" financial management method. Under the premise that the annual yield of investment annual report is 7%, the investor has invested 100 thousand yuan annually from the age of 25 years of work. After 10 years of continuous investment, he suspended and held the asset until he was 65 years old. His assets accumulated up to 11 million 254 thousand yuan.

The comparison shows that, in a lifetime, he produced a principal of 1 million yuan, but realized the goal of more than 10 times of asset appreciation. This is the effect of "time compound interest".

Slacker financial management book three select carefully

"Many of the funds my colleagues bought with me last year did not mention those earns, even the worst ones." but I also lost a lot of money, and my mind was too unbalanced. "Mr. Han told reporters about the bitter water that he had been holding in his mind. In view of the poor performance of the stock market last year, some outstanding funds had already gained a lot of rebound in the previous rally, and some fund products were recovering very limited.

Mr. Han then revealed that he did not know much about the fund, mainly because he saw a lot of money that his colleagues bought, so he would blindly follow suit.

Most lazy people believe that in the face of various kinds of funds in the market, they can invest in funds only by listening to their friends' opinions, looking at the recent introduction and understanding the market situation.

We need to know that fund companies that sprung up in recent years have significant differences in company size and performance. Before investing, we need to compare fund company background, past performance, product type and operation convenience.

Then choose an excellent fund company to choose the product that the excellent fund manager takes care of, so as to make less detours in investment.