After 80, We Must Know How To Manage Pyramid.

Jamulan and Lu Xi are the typical representatives of the only child couples after the 1980s. They become the core force of a small family. Conduct financial transactions The central link. In the "421" family, people of every age group are faced with various financial puzzles.

The age of 25 to 55 is called golden thirty years of life management. In the past thirty years, you need to examine yourself from the four angles of earning, saving, preventing and earning.

Earn (wage income), save (save), prevent (precaution), earn (investment and financial management) four items are arranged in counter clockwise order. Wealth begins with the realization of its work income. Making money is a necessary link for everyone. The key is to improve their ability and continue to increase their income.

Province and defense are two independent and closely related terms. The province is the expression of your correct financial formula to get rid of the title of "moonlight clan": income - savings = expenditure. The key is to arrange expenditure and consumption reasonably and maintain good savings and accumulation. Prevention is to avoid the risk factors that you will face in the future by means of insurance.

Making money is what makes you open. wealth The key to the gate. But without the accumulation and practice of previous steps, earning status will not be guaranteed or hidden. Making money is the use of 3322 or 3331 principles to allocate and allocate disposable assets. Both are consistent in the first two items, but only the latter has changed.

The first number 3 is stable financial savings: including savings, treasury bonds, investment gold bars, such as the most robust and efficient, and suitable for long-term planning of financial projects.

The second number 3 is to get income from passive financial management: for example, funds, third party financing, P2P private capital lending and so on.

Third figures 2 or 3 make reasonable choices for individual and family oriented risk investments, such as stocks.

The last number is a purposeful attempt to invest in emerging markets in the investment field: This product is basically high yield, high risk and has no investment experience for you personally. You can follow the industry to learn and try to invest.

Through the icon next to us, we can intuitively feel the distribution of Pyramid's structure of healthy financial management. Its foundation is the most robust base, and it is also the first digit ratio of 3. It is based on your monthly average expenditure or your monthly income 6 times the value of 1 years of deposits to ensure that you maintain the stability of your cash flow.

There are also stable treasury bonds and investment bars. The sum of the sum of these three should be controlled by 30% of your total wealth. Do not pursue high returns. We must maintain the stability and security of cash flow and have strong liquidity.

The second level is the other 3 in the above second sets of figures. Its role is to pursue stable income passive management mode, let your capital work for you, so that you can earn long-term stable income over time and low risk investment and financial management mode.

The third level has entered the stage of increasing the risk of active financial management, but you can enjoy the joy of investment and financial management and the autonomy of the transaction. The key is to grasp the principle of "living within the means". Choose some products that you are familiar with for investment, such as stocks, paper gold, precious metals T+D of the Shanghai Stock Exchange.

The fourth and the highest stage is high return and high risk financial management mode. Investment 。 This is not only a battlefield for you to raise financial intelligence, but also a classroom that can exchange more experience and knowledge of financial management. At this stage to feel the charm of the capital market and the pleasure of trading, we must strictly abide by the trading rules and keep a cautious, optimistic and humble attitude towards it.

Keeping a good attitude is far ahead of the technology itself. Adapt to this environment by constantly exploring experience and gain experience from it, then plan long-term high returns. To have an optimistic, positive, rigorous and enterprising mindset is the attitude we should face in this era of financial management.