Regular Financial Savings Are More Important Than Investment.

Thomas Stanley, an American scholar, surveyed tens of thousands of millionaires, and 84% of them started with saving and saving money. In order to win in the future, we must develop financial habits as early as possible.

In the current financial management classroom, Xu Chunyi, a branch of Bank of communications Longhai Road, told everyone to develop the habit of making money, saving money, saving money and rolling money.

Regular savings are more important than investment.

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The habit of continuous savings will bring you unexpected gains.

The amount of savings must increase with the increase of income, and the best is regular fixed savings.

Xu Chunyi suggested.

The investment market is highly volatile and risky, and the "saving rate" is easier to achieve than "finding a highly profitable investment tool", and the effect is more obvious.

This year, the central bank has continued to introduce a tight monetary policy. It has increased interest rates 4 times continuously. The one-year deposit rate has reached 3.25%. The saving era has arrived. Regular savings have been favored by more and more ordinary consumers.

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Review your finances regularly.

"Keep abreast of your own financial situation, keep your income within your means, control your consumption reasonably and establish your family's balance sheet."

Xu Chunyi believes that many people in this part of the work is not in place, or difficult to control.

To this end, she suggested that you make one.

The monthly revenue and expenditure can be cut short, and the product can be allocated for 7 days in a short period, so as to raise the utilization ratio and yield of funds, and also prevent the unexpected.

The provincial funds can be allocated to the fund, so as to reduce risks, to share costs equally, to make use of compound interest investment, to accumulate a lot of money, to achieve their own pension needs and educational planning for their children.

Investment is most important.

"The most important principle of investment is to maintain capital and lose the capital."

Xu Chunyi believes that keeping money is making money and losing capital means losing everything.

And the guaranteed products can choose financial products or guaranteed funds according to their needs.

They also receive regular investment plans and suggestions from professionals, choose their own investment products according to their own risk preferences and risk assessment, and set life plans regularly.

Having good financial habits, actively and optimistically taking actions, constantly revising the pace of investment, maintaining a vigilant attitude and managing risky assets, will be successful.