Investing In Their Own Ability To Cultivate Wealth

At the age of more than 20, we are just entering the age of society. At this time, people are still very young, and there are plenty of opportunities to deal with retirement.

If we look at retirement only from a financial standpoint, this is an age that can take care of the young seed as a capital tree. Although there is not much money to earn soon after taking part in the work, if we can set a correct goal for our retirement life at this time and start preparing at once, we will surely get a harvest in the future.

Recognize the loveliness and horror of money!

First of all, more than 20 year old young people must bear in mind that spending money may become a terrible trap. If you don't pay attention, you will fall into this trap and escape from it.

If there is no ability to measure oneself, there is no abstinence in spending, and in the end, it is very likely to become a bad credit.

In particular, if there is an excessive consumption tendency, people should control their vanity and desire as a major issue that must be solved at the age of more than 20.

Generally speaking, the ratio of consumer debt to credit card debt should be controlled within 20% of personal income after tax.

If someone's after tax wage is 10000 yuan, the monthly credit card debt and other credit repayment amount can not add up to more than 2000 yuan in this person's financial plan.

Remember, capital trees grow from one seed per minute.

No matter what age, it's not easy to make money.

Young people can earn money, which will sow the seeds of hope for the future.

At the age of 20, the monthly salary of 6000 yuan, which is equivalent to the monthly salary of 20 thousand yuan at the age of 40, and the 90 thousand yuan pension of 60 year old people (assuming that the annual rate of interest rate is 7%) is not surprising? How can a person with a monthly salary of 6000 yuan be compared with those who earn 90 thousand yuan per month? This is because the monthly salary of more than 20 years is the seed of hope, which is the value that it can produce, when we do not pay attention to it, it takes root and eventually grows into a convenient capital tree which can bring convenience for our life.

Do you want to give up a pension of 90 thousand yuan per month for the sake of instant gratification (famous brand goods, cars, etc.)? Of course, this is your personal choice, but I still want to suggest that you should save more than half of your monthly income or invest when you are more than 20 years old.

At the age of more than 20, we must strengthen the development of our potential. If we miss our learning opportunities, we will regret it until we are more than 30 years old. Individuals are also like enterprises. It is difficult to sustain development without long-term investment.

At the age of more than 20, you need to give priority to your future in matters ahead of you, and invest your time and expense in yourself without any stint.

At the age of more than 20, if the preparation is well done, the income will be guaranteed at the age of thirty or forty and the retirement time can be postponed.

Twenty-first Century is an information age. It is possible to create certain income on the basis of personal thoughts and abilities. Do you hope that you will have this possibility in the future?

Listen to others when facing important decisions in life.

At the age of more than 20, we need to make choices about life events such as choosing jobs and getting married. As these important events will affect our lives, we can not listen to the opinions of senior people around us just by our own judgement.

More than 20 years old is the first step into social life. It is an important period for laying a solid foundation for career in the next 30 years. From a financial point of view, consumption habits and investment experience formed at the age of more than 20 will have a far-reaching impact on life in the future. So we must try to seek advice from friends and experts around us, and never hesitate.

To raise rental funds and to pay for marriage is the financial focus of this stage at the age of more than 20.

The financial focus of the more than 20 year old period is to pay attention to the cost of marriage and rental funds (or housing funds).

These are problems that must be solved by individuals. Of course, some of them can get help from family members.

People have to face all kinds of problems in their life. These problems do not wait for people to solve them in chronological order. Many times we have to face different kinds of problems. Saving is the same reason. We can not save for one purpose at some time.

More than 20 year old young people can't regard savings as raising funds related to marriage, such as life insurance and sickness insurance, retirement funds, which are not the problems that must be considered at present. But they can also be prepared ahead of time. In the long term perspective, it is very important to prepare ahead of time. Of course, we should also have a good eye to choose suitable financial products.

* financial products for more than 20 year olds

First, identify the size of the funds that you can prepare for retirement, and then you can choose the right financial products.

In the long term view, how to obtain high yield steadily should be the direction of investment in the future. In other words, the high yield products and the principal guarantee products in the portfolio should occupy the appropriate proportion, which is a good investment choice from the viewpoint of yield.

More than 20 year old young people are generally working people, most of them will continue their career to more than 50 years old. Therefore, this group of people needs to diversify their investments. On the one hand, they can choose savings and pensions that can guarantee the fixed rate of return and investment products such as death or illness insurance, which can prevent risks.