On The Road Of Financial Management, There Will Be No Detours To Be The Last Winner.

Everyone wants the stock market to be his own bank, and he can mention money every day.

But what is the truth? The Gauss curve tells us that the annual average fluctuation of the real market is 20% the most normal distribution.

Stock gods have an annual profit rate of 20%. What reason do we have to go beyond the stock market? The sensible move is to follow the trend.

Is the bank really safe? Xiaobian recommends that you abandon this pedantic financial concept.

First, the state has issued a deposit insurance system to banks, allowing banks to go bankrupt. Do you still feel safe? Second, the interest rate of bank deposits can not run. The inflation rate is the fact of iron beating. This means that your money will depreciate for a long time.

For example, 5 years ago, 100 yuan can buy 10 kilograms of meat, but now, plus interest, maybe we can only buy 5 jin.

Are you dumbfounded?

So, let's say that instead of saving money in banks and waiting for "Chi" (Kui), it is better to learn to save money, to practice the skills of "money generating money", to start a business, to buy financial products, or to invest in the stock market. In short, efforts to increase the speed of wealth appreciation to catch up with inflation are OK!

"I am busy", "I am in a meeting", "I have no time to manage money", all of these are excuses! Xiaobian gives you a calculation, opens a household in the stock market, half an hour, the mobile phone has a stock software, 1 minutes, buys a stock on the mobile phone, 30 seconds, altogether does not even arrive 32 minutes.

Let's think about how much time we spend on Taobao every day for 1 hours.

It's hard for people to work hard. What Xiaobian wants to say is that every one of us has the same "time capital". The difference is the ability of everyone to manage time.

Some people allow time to be slaughtered, while others can "create nothing", effectively use fragmentation time, seize the opportunity of investment and financial management, and join the ranks of the rich.

Managing finances is also important.

Some people have spare cash. The first thing they think about is how to invest, rather than mortgage loans, car loans and other loans.

Xiaobian reminds you not to forget that new investment projects do not necessarily make profits, but loans need to pay a lot of interest.

How to manage debts?

Is it a provident fund loan or a commercial loan, or a mixed loan of provident fund and commercial loan?

If the provident fund loans, Xiaobian suggested that you return early, because it does not limit the repayment time.

As for commercial loans, some stipulations are less than half a year / one year / three years and no advance repayment is required.

Xiaobian recommends that you comply with the requirements, half a year / year / three years later repayment ahead of schedule.

If business and

For the mixed loans, Xiaobian suggests that you first return commercial loans, because the provident fund loans contain policy subsidies, so the loan interest rate is much lower than that of commercial loans.

Friends who like investing in stocks pay attention, Xiaobian. Here we share with you three years of stock trading experience.

First, stocks that are not low in price must be worth buying.

Investment depends not only on cost but also on profit. Such a comprehensive measure is that those stocks with small risks and large space are the best choice.

From the perspective of financial analysis, the stock price is related to the supply of chips. Only when the supply is small, will the stock price go up.

So, what kind of stock is small? Xiaobian's experience is a stock that has a space of increase from the bottom. It reflects the process of main collection chips, and the subsequent growth of such stocks is great.

If you invest in stocks for a long time, you will be able to make profits. If a market comes, you always look for various reasons to win. Then you are doomed to lose money.

You know, when the market just started, bull stock could not be launched at the same time as the market, and they would often slow down.

What we need to do is to master the rhythm of the market and not to win lightly.

In this way, big profits will fall into our pockets.