Form Habit &Nbsp; "Wealth" Only "Rationale" You.

Just like you need to build good habits, do the necessary maintenance and health to resist the aging of the years, wealth also needs good. Conduct financial transactions Habit keeps value or even increases. In recent years, there is a popular saying: "success = intelligence quotient + EQ + financial quotient". It can be seen that in this era of accelerated social wealth growth, the disposal of wealth has become an important part of people's life. Whether this equation is accurate or not, financial management needs to be established. It is a consensus from financial planners to ordinary investors.

　 Key word Bookkeeping

Some people say that bookkeeping is the foundation of financial management. Xiao Zhang, who has worked for a year, has recently realized the benefits of bookkeeping. Since taking part in the work, Xiao Zhang has always been a standard moonlight clan. After seeing a beloved DV, he began to think of saving money. After becoming a bookkeeping website user, he recorded the daily trivial expenses clearly, and his income and expenses were clearly inquired and compared. In the two months, the original moonlight Xiao Zhang actually saved more than 2000 yuan.

However, keeping accounts simple is not easy. Recording the fragmented living expenses is a task that many people think is impossible. It is possible to be unaccustomed, forgetting, overconfident and lose confidence. But perseverance is the most basic quality of keeping accounts.

　　 Know yourself

Financial planners usually suggest that you should make a financial plan first. Assets The debt form, knowing the financial status of the family or family, how much the monthly income, how much expenditure, and how much risk resistance capability, can make corresponding configuration and make suitable financial planning and plan. We must be good at increasing resources and reducing expenditure, and open source can be advocated. Generally speaking, young people can be adventurous in appropriate financial management, and the elderly should be conservative and conservative. Experts believe that, in anticipation of inflation, appropriate debt is an ideal choice.

　　 Compulsory savings

The concept of compulsory savings is not "how much money we can spend before we save, but how much we save." The economics course at Harvard University teaches students the concept of saving 30% of the monthly salary before spending. This is known as "Harvard dogma". The first way to spend is to save the money left behind for saving at the end of the month. In fact, the "Harvard" requires that the monthly savings is the most important goal of the month. It will only be over fulfilled, and no excuses and grounds can be found to give up the target, so the remaining money will be more and more. In fact, everyone's wealth comes from good financial habits. Anyone's wealth is not achieved overnight. It has gone through a hard accumulation process from small to large, from small to large.

Financial planners say that when you are young, you must learn to enforce savings, even if you have 200 yuan per month. Mandatory savings are not just for banks. Small insurance policies every month, and money market funds are all options. Insurance will fail if the insured amount is interrupted, and the effect will be better. Mandatory savings and bookkeeping are all important. It's hard to get rich overnight.

　 Fixed investment

Buffett, an investment guru, said: "successful investment requires only a steady approach and a firm will, and persisting in long-term and decentralized investment. Unfortunately, many people fear the most simple but effective method and reason with greed." Many people have confidence in the long-term growth of China's economy and even the world economy, and have a fixed income, but it is difficult to be untroubled by short-term economic noise. The solution to this problem is fixed investment.

When it comes to the fund's fixed investment, people are familiar with it and invest through the fund's fixed investment. The operation does not stop with the stock market's ups and downs. The advantages of the fund are many, such as avoiding timing, balancing investment, diversify risk, compound interest increment, compulsory savings, simple procedure and so on. Therefore, it has been accepted by more and more investors. In the concussion period of the market, gradually investing in the market with a low average cost through fixed investment can provide foreshadowing for future profits. The threshold for fund placement is also low, with a starting point of 500 yuan or 300 yuan.

Some experts say that investors who are able to maintain fixed quotas are relatively mature because they respect the uncertainty of the market and have a more objective understanding of human weakness. Therefore, they will accept gains that are close to market rewards, and they will be in an invincible position and win the final victory.

Fixed investment is also a way of long-term investment, and long-term investment is also a major investment characteristic of Buffett. Buffett also said: "if possible, I would like to hold it for life." The difficulty is that every time the stock market fluctuates, from redemption or lighten up, it can be revealed that most investors are still vulnerable to the influence of market, news or herd mentality and band operation, and easily discard their carefully selected stocks or funds and other financial products.

　　 Keep the principal

Where there is green hills, there is no fear of burning wood. The seed is a seed. Without seeds, it can not sow, nor can it be harvested. Experts point out that before investing, setting up stop loss line, strictly observing investment discipline, controlling risk within controllable limits, and preserving the capital forever is a need for every investor to bear in mind.

Also talk about the golden rule of stock god: first, keep the principal; second, keep the principal; third, remember the first and the second. Soros also said: if you think you are successful, you will lose the process of making you successful. One must be willing to admit mistakes and accept pain. If you make mistakes, do not admit, do not want to accept pain, or even feel wrong, you will make mistakes again and lose the advantage of winning. If you find yourself wrong in a transaction, never be stubborn and erroneous. You should change your direction without delay.

　 Learning and summarizing

Carnegie once pointed out that "70% of human's troubles are related to money, while people are often blind when dealing with money." What we need for financial management is "collation" and rationality. Knowledge is productivity. Many investment channels require certain professional knowledge and can not blindly follow the crowd. For example, gold, foreign exchange, bonds, commodity futures and so on all need to study hard and have a certain degree of understanding of the industry before they can invest. In addition to basic knowledge, they should also learn to read product information, contracts and so on. Of course, if there is no time, we can give it to professionals, such as buying funds and financial products of banks. In fact, the joy of financial management is actually not about the amount of money, but in the process of managing finances. Financial management can save wealth and bring about sense of achievement and gain, as well as a sense of achievement in controlling life.