Before talking about financial management, we should understand a concept that is inflation . To put it simply, there is more and more money on the market, but the actual material has not increased, which reflects that our lives are getting more and more expensive. Under this circumstance, if our wages have not increased much, and prices have become more expensive, it means that our purchasing power has declined, so financial management becomes particularly important. It can help us resist inflation to a certain extent, and if your investment level is high enough, it can even greatly improve our own living standards.
Here is an example of Lin Yuan, a Chinese stock god. You can't think of a small person who studied medicine. Starting from the 8,000 yuan that his family put together in 1989, he joined the Chinese stock market. At the end of October 2006, Linyuan's stock market value reached 2 billion yuan.
▲China's Shenlin Garden
And he invests in some high-quality stocks, with high dividends, and then the stock price keeps rising. For example, Feitian Maotai, which everyone knows, is his key investment. Of course, we must know that legends cannot be copied. This is related to the times and requires a lot of chance and coincidence to be created. Then, as ordinary people, we do not imagine that we are worth tens of millions or hundreds of millions, but through a certain investment and financial management portfolio, we can still help us obtain certain income.
First of all, if you want to manage your finances, you must have money . If you have no spare money for the time being, then the most important thing at the moment is to do a good job in your main business, improve your work ability, and get promotion and salary increase. After satisfying the basic life, you have a certain amount of savings, and then let these idle funds flow through financial management. The important thing is said three times. For ordinary people, never borrow money to invest, never borrow money to invest, never borrow money to invest. The money used to invest must be yours, and secondly, even if the money is less, it will not affect your daily life.
There are also some friends who want high-return but low-risk investment products. If someone sells this kind of product to you, don’t believe it. Most of them are liars. In the field of investment, everyone should remember that profits and losses are the same source, and there has never been a high rate of return but low risk. For example, P2P, which has been very popular in the past few years, can get more than 10% of the income if you just pull it. What is the result? When it is time to run away, investors lose no money left.
If you really want to invest, these factors are worthy of investors' attention: risk, return, time, and liquidity. Risk and return are usually viewed together. We all know that the higher the return, the greater the risk, so what we need to see is whether the ratio of return to risk is worth investing in. The larger the ratio, the more worthwhile it is to invest. The translation is that the risks are acceptable, but the rewards are far beyond expectations. In terms of time, as the name implies, it is the length of the investment time. This depends on the urgency of the use of your own funds for allocation, and everyone considers it according to your actual situation. Liquidity takes into account the ability of assets to be realized. For example, a house is worth several million, but it is difficult for you to turn it into cash in the short term, while other assets can be realized quickly. For example, stocks are your first If you have a profit after buying it, you can throw it all out and exchange it for cash the next day. The liquidity problem in investment is also to consider and configure the corresponding products according to your own needs.
Then, according to different groups of people, the following will introduce some corresponding investment products and ways, everyone can choose according to their own needs. Finally, I will also give some opinions on asset allocation that only represent individuals and do not constitute investment advice.
First of all, considering that many friends do not want to bear any risk at all, then they cannot think of high returns. Bank and insurance wealth management products or similar wealth management products are most suitable for you. Generally, the annualized interest rate is between 2% and 6%. It varies from time to time, basically it is not much different from the national inflation rate, and it mainly plays the role of anti-inflation preservation. As for the details of some products and the way of buying and selling, you can go to the corresponding product business hall to learn about it, and generally the nearby business hall can help you directly handle it. Except for the principal-guaranteed products of banks and insurance companies, there is basically no risk in purchasing government bonds or local government bonds, because they are guaranteed by the government's credibility, and they can usually be handled in banks, but the same is that the interest will not be too high. The time of the above wealth management products ranges from a few months to several years. The liquidity is relatively general, and the interest rate is barely equal to the inflation level. The only advantage is that there is basically no risk.
Secondly, if you have a certain appetite for risk, you can consider fund products. Especially those white-collar workers and working-class friends, many people do not have much time to study these investment products. You hand over your money to a fund manager, and a professional fund manager will help you invest. The risk is compared to buying stocks yourself. , foreign exchange, futures, etc. are much smaller. There is a problem that needs to be paid attention to. Professional fund managers may not necessarily be able to make 100% profit, and there are even many losses. If you are lucky and encounter a big bull market, then the fund's return rate will be very high. , If it encounters a bear market and the market is very bad, then the fund will also suffer a large loss. So for investors, how to choose a fund is an extremely critical thing, and you need to have a more detailed study of the fund. A good fund must be a combination of current hotspots and a good fund manager. Therefore, in addition to paying attention to market news, we must also understand the performance of relevant fund managers, and pay attention to the manager's past annualized returns and maximum drawdowns. , Sharpe ratio and other data, generally speaking, we can first determine which type of funds we need to buy, and then take out this type of funds, do a horizontal comparison one by one, and pick out some excellent funds. . Don't be too troublesome. It involves your own funds. I hope you don't be lazy on this matter.
After the fund is determined, it is necessary to determine the way of financial management. Generally speaking, investment funds are long-term financial management, so many times we will hold for a long time. In this process, we can use some methods for investment, such as the most common regular investment. Fixed investment, take out a certain percentage or fixed amount of your salary every month and put it into the fund. For specific details, you can go to the place where you buy and sell funds. There are many channels for investors to buy and sell funds, such as banks, securities companies, fund companies, and they can also buy and sell funds by telephone and the Internet.
Well, the investment method introduced next will be relatively risky, and it will take a certain amount of time and cost to study it carefully. It may not be suitable for most people. Interested friends can try it at a small cost. First of all, for stocks, for the majority of ordinary investors, I will tell you a relatively safe long-term investment strategy. The so-called long-term investment is actually investing in the future of a company. Then you need to know what kind of company will make money in the future? This means that you need to look at the direction of the national policy. For example, in the next ten years in China, the state will focus on supporting enterprises with new infrastructure, so many technology companies will have a period of explosive performance, but which specific Some companies may experience an outbreak of performance, and everyone needs to carefully study the entire industry ecology, related financial reports and other information.
Suppose you screen out some high-quality companies and feel that their future is promising, then you can consider investing in five to ten years. Considering that everyone is not a professional investor, one thing must be stated, if the timing of the investment is not right, there will still be a 20%-50% retracement in the short term, but if you lengthen the time line to see , 5 to 10 years later, it may bring you 3 to 10 times the income. It's just that the above investment methods have relatively high requirements on the ability of investors to select stocks. Without long-term learning and training, it is impossible to do well.
As for the highly leveraged futures and currencies, if you don't want to do professional investment, I advise everyone not to touch it, or you will explode, it will be a matter of minutes, and it will take you to experience what heaven and territory are at any time, all in one thought. . However, considering that some friends have a strong interest in finance and other aspects, I would like to recommend it. There are all kinds of financial knowledge to learn on our Huoxiang App. You can improve your ability to obtain financial knowledge, and then go to Try to trade in the simulated market, and finally feel that you can control it, and then operate the real market.
At the end, I will talk about my financial advice for your reference only. First of all, you must keep a good amount of money for emergency use. This proportion is decided by yourself. If it is me, I will keep 30%-40% of it in the financial products that are basically risk-free in banks or insurance companies. Can be mobilized to ensure the basic needs of life. Because I am a financial trader, I naturally have a relatively large appetite for risk, and like to make high-risk investments. Therefore, there will be less investment in the fund, which will probably account for 20%-30% of the amount of funds, and the remaining 30%-40% will be managed by yourself, making investments with a high risk-return ratio. Of course, if someone has a low or no appetite for risk, you can reduce it proportionally, or you can only consider the first two financial products.
This issue of the introduction to financial management ends here. If you like trading and want to learn more professional investment and trading knowledge, you are welcome to pay attention to our public account: Huoxiang Said, you can get a gift package of financial management knowledge. Here, we will move forward with everyone and grow together.