9 Tips To Guide You In Making Investments.

In fact, we don't need to bet on luck. This article will tell you 50 smart ones. Conduct financial transactions Methods, these are things that can be grasped in life. Some of you may have tried, such as investing in the 401 (k) plan, and some suggestions on consumption, career planning and financial planning may never have occurred to you. Of course, one single thing in 9 things can not increase your wealth, but each one can give you the possibility of success and reduce the risk of failure. The definition of intelligence is high return rate and low risk rate.

As a habit, these financial behaviors must be your second nature.

　　 1. open accounts for your family.

What should be done: setting up a family Value added credit Account and make effective use of it, prepare college education fees for yourself or your children, or pay off your credit card debt.

What should not be done: abuse your family account, prepare funds for vacation, buy Plasma TV or something you can not afford to pay.

　　 2. thinking

Automate your financial life. I should put you in. Bank Part of your savings make your mutual fund company or broker invest every month. Similarly, to properly manage your mobile phone costs, you will find that the budget is simpler than before, and you no longer have to pay late fees.

　　 3. pursue maximum benefits.

　 4. your taxable income

Reducing taxable income, that is to say, establishing flexible consumption accounts in work. The boss will deduct the pre tax income from your salary, and you will pay for the medical expenses, including insurance, medicine, surgery and so on. Every 1000 dollars will probably reduce your tax bill by 300 dollars. Don't miss this opportunity every year, especially in autumn.

　　 5. planned savings

Fixed investment in mutual funds every month. This will ensure that you buy more stocks at low prices and buy less at high prices. T Rowe's automatic asset building plan says that for an individual, the initial investment in stocks is about 2500 dollars, and then only 50 dollars a month.

　 6. be a miser.

　　 A mutual fund has 1.33% management fees and a bond fund has a management fee of 0.89%. Research shows that keeping the low cost of investment is the best way to get a high return on your investment. American pioneer fund and Fidelity Fund believe that the most cost-effective investment is index funds.

　 7. lunch

I went out to eat with my colleagues once a month. If you spend 30 dollars on dining out, you will get fatter in your resume.

8. fans, but not crazy.

9. make money all over the world

Investing in your securities diversity, investing in areas outside the home and abroad will reduce risks and raise returns. At least 20% of your assets will be overseas.