Financial Habits Determine Financial Results &Nbsp; Read The Operation Rules Of Investment Tools.

When it comes to "habit", people know all about it, and at the same time, people do different things. Each person's thinking and thinking consciousness are different, their understanding and opinions are different, so that everyone's habits are different.

The so-called habit, according to the interpretation of Xinhua Dictionary, is to do things over and over again, and gradually form unconsciously activities, that is, a way and behavior that has been cultivated for a long time.

There are many interpretations and understanding of "habit". It is everywhere and pervasive. It exists from the moment when a person is born, until the end of life, throughout all activities and activities, from speech to behavior, from thinking to action, from learning to practice, from life to work, etc., it always runs through all activities and activities.

Of course, when it comes to financial management, it is no exception. Any person's financial activities have a habit, but it is a kind of unconscious mind. It is a thing that can not be seen and touched. It is because it is an intangible thing, which is often ignored and ignored by people.

There is a saying that "thought determines behavior, behavior determines habit, habit determines destiny".

As the saying goes, "three days of fishing, two days of drying nets", which is not able to catch fish, everyone has a lot of ideas, thinking and understanding, through their own thinking and behavior to carry out until the success.

However, people often neglect that there is an action and behavior in the middle of thinking formation to get results. They neglect the importance of this behavior. They often think, think and understand very well. But in implementing the action, they do not follow the established way to act. That is to make action. It is only three minutes of heat. Maybe they give up because of something difficult. Maybe because they are occupied by time by a mess, they forget, and then they will tell themselves that these trivial things have delayed themselves.

Success needs time and place, but it depends more on oneself. I think it depends on our good habits and habits. Habits decide the future and decide the outcome.

As an investor, how can we cultivate and set up good habits of managing money? How can we use good financial habits to achieve financial results? Financial management is not a temporary impulse or a short-lived behavior process, but a medium and long term executive behavior and planning. What is needed is a correct mindset and rational choice. What is needed is a good habit. It is not difficult to manage finances.

The first is to establish the right habit of financial structure, make rational decisions based on financial goals and investment tools, and design reasonable investment methods.

Any kind of investment has a target demand. Different investment tools should be combined and combined to achieve investment target through a certain investment period. This is a way of managing money. Of course, the connotation of financial management is much more than that. It is not so simple. The deepest meaning of financial management is to put the existing financial resources in the existing way.

Of course, to establish the correct habit of financial management structure is not the formation of the one or two investment plan. It requires investors to follow this way when making any investment plan. Once investors invest in any kind of investment, they will form a kind of inertia without knowing it. This habit is habit, forming the correct habit of financial management structure.

Secondly, we should cultivate the habit of raising the level of financial management. If we want to make good use of money, we must form a habit of learning financial management knowledge. Learning and charging of financial knowledge is a "combustion supporting agent" for the whole financial activities. We should constantly build a financial management structure through the study of financial knowledge, so as to improve financial management behavior and execution.

At present, there are endless investment tools in the market. At the same time, any investment tool is in an unpredictable market. Changes in the market will lead to changes in the form of operation of investment tools. Therefore, only by cultivating good financial knowledge and learning habits can we effectively judge our investment tools and determine our investment behavior.

Since the beginning of 2010, the margin trading instruments have been introduced, and stock index futures have been launched. At the same time, the QDII fund of passive investment has been launched this year. That is, indexed QDII Fund (Cathay Pacific Nasdaq 100 Fund). The impact of their launch on the market needs investors to learn, and how their impact on other investment vehicles, margin trading, stock index futures impact on the fund, how the fund managers see and operate, how to use these investment tools to promote their investment and so on, all need investors to understand. If there is no sensitivity to them, the investment results will still be affected by the original investment practices.

Some people may ask, if the work is busy and can not attend to study and understand how to do it, I believe that this is not the main reason. It is no problem to extract 1 hours or half an hour every day. If you take 1 hours or half an hour each day to study and solve, there will be a lot of accumulation in a week or a month. If you can persist, it will gradually become a habit. Once habit is formed, it will benefit for life, and its habits will become unconsciously.

Therefore, cultivating a good habit of improving financial management is also an important factor determining the result of financial management.

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Thirdly, it is the rule of mining investment tools.

The so-called "everything in the world is regular", that is to say, we live in the world, everything has its operation and development law, along a certain track to move forward and develop, of course, our investment market, financial management tools and so on are no exception, but some investors do not want to really understand it, do not want to believe it, especially in the case of investment failure to blame the market changes and investment operation errors.

Because of fear and greed, people always can not grasp the investment time better. This is the problem of human nature. Anyone exists. The vast majority of investors always see the rise and fall, but do not go back to the real reason behind the market changes.

Of course, our financial management is inseparable from investment tools and investment markets. If financial activities do not grasp their development rules and do not conform to their laws, they will make investment failure, resulting in the deviation of financial results.

As investors, we should nurture and establish the law of development for finding and excavating investment markets and tools continuously. Since the beginning of 2006, the A share market has ushered in a big bull market. By 2007, the market has gradually pushed up. The abnormal "hot" market has been abnormal and rational. Investors are crazy to chase the market. According to the normal market development, the market index has exceeded 6000 points in 2 years, which is obviously contrary to the law of development.

Of course, as investors at that time, it is impossible to see and recognize the market's violation of operation rules, but if investors study the market from the very beginning, find and excavate the rules, they will find the violation of the law of development at that time, at least from the irrational investment of market investors.

Under the current market scenario, the market is in the process of repeated shocks, and investors are in a "state of uncertainty". The author believes that despite the current market's repeated shocks, the fundamentals of the whole economy are not bad, showing a healthy development, and the market's repetition is the cornerstone for the later development.

In addition, investors should also focus on analyzing the development rules of investment tools, such as fund tools, which do not acquire extraordinary profits in the short term. It is a medium and long-term investment tool in itself.

Therefore, it is necessary to develop a habit of finding and developing investment market and tools. Once a habit is formed, it will bring a positive impetus to investment and financial management.

Of course, there are more habits in financial activities, involving all aspects of psychology and feelings. In financial behavior, it is necessary to cultivate their own actions and knowledge in order to achieve the desired financial results. All these require investors to constantly think and explore, cultivate healthy investment habits, and ultimately achieve the established financial results. The author believes that the financial habits mentioned above are vital and indispensable links in the entire financial activities. Without these good habits, financial results will inevitably run counter to expectations.

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For a friend who is a small friend in a foreign company, the worksheet always seems to be full. It is not a client or a project in his head. He travels on business every day, let alone evacuating money.

So far, he really invested in a two room family house.

In addition, it is deposited in the bank, other financial products will not touch, because "no time to study".

Look, this is awkward.

Rich "capable people" are financial rookie.

In fact, a friend can invest his house for a long time, but he can live on his own. Two of them can be preserved as a means of financial management. But buying a house reduces cash flow and is not easy to prevent.

Moreover, the flow of property is relatively low, especially the current situation of the property market is "mysterious", if it is necessary to "heart rate" to change hands is not easy.

In the event of instability, I am afraid friends will have to bear the risk of illiquidity in the years ahead.

I remember that when we were young, our adults taught us that we should study hard and grow up to find a good job.

Then hard work, rich opportunities beckoned naturally.

Of course, if you have an excellent IQ and excellent talent, you can be able to strategise in business, or take a position in politics.

However, when we grow up, we realize that it is useless to shout "I want to earn a lot of money".

The gap between the rich and the poor is not achieved by labor alone. The main reason lies in the differences in the concept of financial management.

A person may achieve something in the absence of knowledge about finance, but if he knows nothing about financial affairs, he will inevitably go against his money.

Because although money keeps flowing, it will increase or decrease, but the value of money is not determined by money itself.

Only by following the rule of money will we change our life in the future.

In other words, if we do not manage our resources scientifically, we will not be able to achieve more profits if we only spend our income fast and fast.

The prerequisite for wealth management is to invest in labor and business income as a capital to invest in high return investment targets, and to achieve compound interest through scientific operation.

If you simply deposit in the bank, you can waste resources.

Acquiring wealth is not a path of diligence and frugality.