Family Finance, To Avoid These 6 Misconceptions At The Moment Is To Make Money

Now, in addition to getting paid wages, a wage earners want to have a good date with their wealth. What is the answer? The answer is financial management.

Financial management is a shortcut that everyone can adopt.

Money management can increase your wealth more or less, no matter how small or small the investment is.

However, financial management is not blind.

This is well known in China.

Reed, a financial planner, summed up some of the more common financial mistakes nowadays, hoping to give some warning and inspiration to investors.

As we all know, some investors are borrowing money to invest in the stock market.

However, it should be noted that if the borrowing cost is high, once the investment fails, it will cause you to bear a heavier interest burden.

Therefore, even if we borrow money, we should try to get it at the lowest cost.

Investment, sometimes needs to be observed.

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If the field of investment is strange, it is not very well understood.

Therefore, it is advisable to calm down in this type of investment crazily and not rush ahead.

It's much safer to make a decision after watching.

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Ten thousand years of constant investment to make the most stable.

In fact, Reed, a financial planner of Jifeng, believes that sometimes there should be appropriate risks to take. Too conservative is not conducive to the growth of wealth.

For example, some investors invest only in almost risk-free investments, such as treasury bonds. The annual yield of the 3 - year treasury bonds is only around 5%, which is weaker than many other investment returns.

Therefore, in financial management, we should not be too conservative. We should also pay attention to reasonable risk allocation and diversified investment.

Some investors have special interests in some investments, such as antiques, jade, calligraphy and paintings.

Sometimes these markets are good when they are good, but when they are not good, they may jump out of the "circle" to find a more suitable investment way.

The stock market is very hot, a subject is very hot, and the share price has been very high. For retail investors, if we follow the trend of investment, the risk may be increasing.

The main body of the organization and the main funds will not be prepared for it.

At this stage, if you invest in the stock market, you may wish to focus on the fixed increase market with less investment.

Through some fixed up funds and institutional cooperation, we can share the stock market's rising returns.

For example, the latest Jiaxing Reed - the optimal fixed increment fund can not only invest in the fixed market, but also provide the fund security cushion for the poor. The expected investment income is also very high, which is not much worse than the direct allocation of stocks.

Therefore, when investing, choosing the right investment method at the right time, if too much followed, it is often easy to fall down.

Many investors only focus on short-term investments and lack long-term investments.

Short term investment has its advantages, such as stocks, which can rapidly increase capital.

However, the cost of short-term operation is also high. On the one hand, it is a round trip operation, and the formalities must be paid to institutions. Besides, frequent short-term pactions also require a lot of time and effort, which may not be cost-effective.

The long-term investment is relatively less energy and low paction costs.

The value of long-term investment is easier to appear, so the opportunity to profit is also great.

Only short-term investments and no long-term investments should be noted.

The 6 point mentioned above is jife Reed financial planner summarizes the recent financial problems of wage families in the investment market, hoping that investors will attract enough attention.