Let Money Excite &Nbsp; Create Wealth Management 8 Golden Laws

"You do not

If our financial goal is to accumulate 3 million yuan cash assets before the age of 60, assuming that the annual rate of return is 10%, we will only need to invest 922 yuan per month from the age of 25, but if we start at the age of 30, the monthly investment will increase to 1520 yuan.

The starting time is 5 years, and the monthly investment is close to 2/3. This is enough to prove the importance of early investment and persistence.

2 better make small profits than big claims.

For long-term financial management, the steady and steady returns are much better than those of big gains.

This year's market crash has resulted in more than 90% of investors losing money, including many investors who made money in the bull market in the previous two years.

Buffett's average annual return on investment is around 26%, but through the accumulation of more than 40 years, he has become the richest man in the world, which fully proves that in the field of investment, "it's better to make small profits than to pay big losses".

3 preparation for financial freedom

Every dollar you save now is every solid foundation for your future financial freedom.

Saving money is the same. Spending money is the same. It may be different to spend 20 yuan and 40 yuan each time, but the difference between the rich and the poor is very long after a long time.

Money is always working for you. The more money you have, the more efficient you will be in your work and the more significant your earnings will be.

With this money, you don't have to work for others anymore. You can spend time with your family, enjoy your retirement, and travel around the world.

If you currently have a source of income, you can accumulate wealth from today, maybe only 5 yuan or 10 yuan at a time, but every insignificant accumulation will become the cornerstone of your financial The Freedom Trail.

4 plan for your future.

A few years ago, a friend of mine told me that she didn't want to invest in stocks because she didn't want to wait 10 years to become a rich woman. She wanted to enjoy her life.

The disadvantage of this idea is that she will have a great chance of survival after 10 years, and the question will be whether she is better than now.

Your current living conditions are determined by the investment you made in the past, so you might as well be prepared for your future at this moment.

5 diversification of portfolios

Generally speaking, young people may want to make more notes in the stock market, while older people tend to invest money in bonds.

But the sensible thing is to diversify your portfolio.

You can take an aggressive investment strategy, but it is best to invest money in different investment tools to spread risk.

6 maintain the proportion of high risk and high return tools in portfolio.

We usually encourage young people to maintain a high share in their portfolios, but now we encourage the elderly to do the same.

Investing in stocks is not only conducive to avoiding the decline in savings receipts caused by low inflation, but also in time to withdraw from the stock market when the market is bad.

7 investment should pay attention to overall income.

For any investor, what really matters is the overall post tax return of the portfolio.

That is to say, the key to the investment effect depends on the sum of dividends, interest and price increase you get.

This principle is especially important for retirees.

Such investors tend to focus on yield, but if a single rate of return is at the expense of the overall value of the portfolio, then it may have dangerous consequences.

8 don't follow your parents' path unless they are rich.

The definition of people with low intelligence is that they often do the same thing over and over again, but expect different results.

If you don't want to work hard like your parents for a lifetime and still remain poor, then don't live their lives, be liberated from the thoughts of their generation, and have a new understanding and control of finance.

There are two things you need to do to achieve financial freedom and success that your parents have not yet achieved.

First, strictly control your debts. Before you make any investment, should you pay off the debt with this money? Second, invest your money and financial savings in the important position of your life forever. This depends on your perseverance.

As a person, whether you need cash income or long-term stock appreciation, successful physical investment is also the key to making you rich.

Start with some money and start small businesses, and gradually build up your business to get long-term investment returns and promising prospects.

It is suggested that 20% of the monthly income, or 500 yuan, will be 6000 yuan in one year, and 30 thousand yuan in 5 years.

Clothes, cosmetics and other aspects of the appropriate savings point, plus interest, pay the first period should be enough, the rest of the installment payment.

I believe you can live in a new house.

Or buy the fund for 500 yuan, buy 5 hands every month, do not control the ups and downs. There are 6000 shares in a year, 5 shares and 30000 shares. In this process, dividends are paid every year, unless they go up very high (30% or more), and generally do not sell, the value of that time will definitely be more than 30 thousand.

When buying a house, buying 50~70 square meters, occupying or leasing, it is easy to sell. The rate of return on investment should be over 8%, and it must be bought at a low price.

Banks are usually in agency funds and can be bought anytime.

There are three kinds of funds: conservative, steady income and fast growth.

Of course, each kind of corresponding risk is different. You can purchase different risk funds according to your specific circumstances.

Too much throttling is of little significance. There are too many fixed expenses and can not be saved. The best way is to open source and make more money.