5 Manifestations Of The Immaturity Of Personal Finance Must Be Clear And Clear

With the improvement of living standards, personal financial management consciousness has been gradually enhanced. Now, the benefits of financial management are clear to everyone. One is to let their hard-earned money "preserve value"; two, to make their own hard money "value-added"; three, to achieve personal financial freedom, to retire before retirement, and enjoy life.

However, financial planners find that many people have some "immature" performance in financial management, resulting in financial goals barely realized or even failed to achieve.

Last time, we focused on this immature performance in the 5 key reasons why your financial plan did not work.

First of all, each of us needs to develop a financial planning suitable for ourselves, and plan to be rational. Secondly, the goal of financial management should be realistic. Too much "fantasy" can only be achieved. The most important thing is that financial planning should be carried on, rather than "three days of fishing, two days of net drying".

The renminbi has depreciated and the US dollar has appreciated. Domestic stock market has also been declining.

It has become a trend of heat.

In this regard, financial planners said that "global asset allocation" is also a better investment strategy that we have always advised investors to take. It is the role of diversifying investment and avoiding risks.

However, if we blindly believe that the foreign moon is more than China's circle, it is not mature and rational to think that foreign products must have an advantage.

To earn money in the East is not to earn money in the west, but to earn money in the direction of investment, and to earn money in other investment directions.

That's right. We pay attention to diversifying investment, and we can maximize revenue. There are always some investments that can make money. At the same time, we can also configure some MOM like stars.

Products in the direction.

But if we do not understand the stock of investment projects or listed companies, if we take a chance, we will not make a profit in the East and make a profit in the West. That is an immature expression, and "loss" will accompany you.

Many people are learning.

Financial information and investment information are only obtained through news media.

Financial manager said that the drawbacks of this channel are: first, the financial knowledge is not comprehensive, and it is best to combine some books of financial management books; two, news media generally only care about whether the investment information is of news and communication degree, and it will be exaggerated to report negative and attracting information, so the authenticity of these information is hard to distinguish.

Are you still convinced of the "zero risk" of banks? Do you still have all the money left in the bank? Are you still saving the bank products? They are still heavily distributing bank products. They are still buying the dividend insurance at the bank. Just want to say "stupid"! They will also go bankrupt. Millions of dollars will be saved. The bank will only guarantee you 500 thousand yuan "zero risk"; the annual interest rate of the bank is 1.5% lower than the annual interest rate, and the interest rate is ignored.

In recent years, however, some non bank financial products such as the steady profit fund have been popular, and the annual earnings of 9% are good.