At present, this money can be fixed. Suitable for long-term investment. If you hold it for more than 5 years to 10 years, you are not encouraged to make profits. It is almost impossible to lose money. For a long time, it is expected to make a profit if 300 yuan invests more than 1 1% every month.
Anyone can become a millionaire by eating three sentences thoroughly.
The best way to manage money is not to pursue superb financial investment skills, but to master the correct concept of financial management and persevere. In a few years, everyone can become a millionaire. There are three words in financial management. If every word can be thoroughly understood and fully implemented, then all working people can become very rich.
At present, ordinary middle-class white-collar workers in China generally lack several important financial concepts, which will affect their future behavior. If they can honestly implement these financial management concepts and persist for at least 10 years, then everyone can become a millionaire.
The first concept of financial management:
Distinguish between "investment" and "consumption"
Distinguish between "investment" behavior and "consumption" behavior. Before ordinary people consume, there is no such concept. People who study economics will consider whether this consumption is an "investment" behavior or a "consumption" behavior before consumption.
Let's look at an obvious example first:
10 years ago, A and B were undergraduate students. After five years as a social worker, I have saved 300 thousand. Five years ago, they all spent this 300 thousand.
A went to Tongzhou and bought a suite.
B went to buy an Audi.
Today, five years later:
A's house has a market value of 600 thousand.
B's used car has a market value of only 50,000 yuan.
Obviously, their current assets are quite different, but their income is the same, their education is the same and their social experience is basically the same. Why are their wealth different?
A spending money to buy a house is an "investment" behavior-the money is actually not spent, but transferred to the house, which will still belong to you in the future.
B spending money on a car is a kind of "consumption" behavior-the money is spent and given to others. 10 years later, used cars are almost worthless. A car is different from a house. /kloc-after 0/0 years, the house may have been turned over several times.
Look at the second example:
One day, my secretary asked me a question: Mr. Chen, I think client A is a little strange. She said: Client A went to buy concert tickets. 300 yuan thinks it's too expensive. He hesitated for a long time and never bought it, but customer A was not short of money. But once, the president of an enterprise released a set of CDs of Teaching Management, and six CDs were sold at the sky-high price of 1500 yuan, but customer A did not hesitate to buy them. Why did customer A buy several CDs of 1500, and the singing tickets in 300 yuan were too expensive?
The answer is as follows: Customer A applies economic knowledge to daily life. When customer A spends money, the first consideration is whether it is an' investment' behavior or a' consumption' behavior.
Buying CDs, this 1500 yuan is an "investment" behavior, but it is not spent. It increases the knowledge of customer A and makes customer A smarter. In the future, customer A will earn 1500 yuan several times with his newly learned wisdom, and the money is still in customer A's pocket.
However, buying concert tickets is a kind of "consumption" behavior. If you give them to others, you will never get them back.
In life, there are more daily examples:
(1) Customer A will spend 30,000 yuan on an oil painting, but not 30,000 yuan on a used car.
(2) Customer A will spend 65,438+00,000 yuan on life insurance, but will not spend 65,438+00,000 yuan on vacation in Europe.
(3) Customer A will be willing to spend money on books, but not on movies.
Everyone will have their own judgment on which of the above behaviors is "investment" and which is "consumption". Here are more examples. If it is an "investment" behavior, then there is no need to bargain, because the money will eventually belong to you.
The rich are "smart with small money", while ordinary people are "smart with small money and smart with big money"
"investment" behavior "consumption" behavior
House/building property
National bonds
Bank products
Run an industry
collection
automobile
Buy clothes
Food, going to a restaurant
Movies, bowling
take a vacation
Some people have high income, but less wealth, because they spend it on "consumption" behavior, and most of Client A spends it on "investment" behavior. The money spent on "investment" behavior did not fall into the hands of others, and finally returned to myself.
The second concept of financial management:
Harvard doctrine
Everyone will save a part of their salary every month. Some people save 10% of their salary, some 20% and some 30%. Most people save their unused money after a month, and they hardly know how much they save every month.
In Harvard University, the first famous American university, only two concepts were taught in the first economics class.
The first concept: spending money should distinguish between "investment" behavior and "consumption" behavior.
The second concept: save 30% of your salary every month before spending the rest.
People who come out of Harbin Buddhism will be rich in the future, mainly because they are from famous schools and have rich incomes, but because their monthly behavior is different from that of ordinary people, only one thing:
Harvard dogma: saving 30% of salary is a hard goal, and spending the rest. The money saved every month is the most important goal every month, and it will only be overfulfilled, leaving more and more money.
Ordinary people: spend money first, save as much as you can, and there is not much money left.
The third concept of financial management:
"three words of financial management"
There are three words in financial management. If every word can be thoroughly understood and fully implemented, then all working people can become very rich.
Many friends know the origin of client A-refugees, nothing. Studying economics in Canada is also a scholarship. Seven brothers and sisters in the family have no money to send their clients to college. They haven't asked for money from home since they went to college. After graduation, I worked, but customer A adhered to the principle of "three sentences about financial management" and applied what he had learned in economics to his daily life, and went on step by step. Now, 20 years later, client A has four suites, and the monthly rent will exceed 65438+100000 yuan, which is considered as half a rich man.
In fact, everyone can make it public here. In the past, these important financial concepts were taught in courses.
Let me give you a few more examples: Buffett said in his book that he started saving money when he was 6 years old, and 30 yuan every month. When/kloc was 0/3 years old and had 3000 yuan, he bought a stock. He persisted in saving and investing year after year, and persisted for 80 years in ten years. Now 85 years old, he is the richest man in the United States, and he has more money than Bill Gates, the chairman of Microsoft.
Students sometimes ask how the annual rate of return can reach more than 10%. Actually, it's in the bank now. They provide many wealth management products: funds, foreign currencies and QDII. These bank products are a bit risky, but if you can manage them effectively, the yield of 10% is actually not difficult. Of course, if you touch it yourself without professional training, you will lose a lot of money. But you have two ways:
(1) Spend some money to learn.
(2) If you don't have time, you can go to a professional financial planner.
Looking for a professional financial planner, you can refer to several conditions to distinguish their professional qualifications:
(1) has been certified as a financial planner: China International Financial Planner (CFP), whose full name is International Financial Planner. The public examination was held in Beijing in 2005, and now many bank employees are taking it. The qualified rate is low, and there are not many qualified people in the bank for the time being.
(2) 10 years or above financial management experience. However, others who are interested in learning more about financial management can go to an open class, and the cost is several hundred yuan. The cost of participating in the research is an "investment" behavior, not a "flower". It will still belong to you in the future. After learning, you won't be "smart with little money and confused with big money."
Ordinary people's wrong concept of financial management;
Earn more, so you have money.
Many people think that if A's monthly income is 1.5 million yuan and B's monthly income is 8,000 yuan, A should be richer than B. This concept is very common in society. But this is a wrong idea, very wrong. What's the matter? The definition of wealth is not how much you earn every month, but how much you have left every month-the rest is wealth. Look at this example:
The monthly salary of Americans is two or three times higher than that of China. According to the general concept, the average American should be richer than China. But this is not the case. Most Americans have several credit cards and they like to spend money. Not only are they "moonlight people" every month, but they also owe a lot of credit cards. In America, financial planners usually spend time talking about "how to reduce your debt"
The average American has less than a few thousand dollars in the bank. This is not the case in China. China people are good at saving, and most people have deposits in banks. There are also many people with hundreds of thousands.
Therefore, don't think that Americans will get rich by earning more money every month. In fact, ordinary white-collar workers in the United States are much poorer than those in China. Of course, many Americans sent to work in Beijing are American elites, not ordinary American white-collar workers, and most of them are rich.
Middle-level white-collar workers in China are richer than those in the United States. Remember: money is not a comparison of monthly salary, but a comparison of "savings left in the bank" According to this definition, the deposits of middle-level white-collar workers in China are much higher than those in the United States.
Here's another example:
Generally speaking, people in Taiwan Province Province are twice as rich as those in mainland China. This is also a wrong idea.
Friends who have been to Taiwan Province Province know that the average one-way subway in Taiwan Province Province 12 yuan, Beijing 3 yuan. The average lunch in Taiwan Province Province is 50 yuan, and the average lunch in Beijing is 15 yuan; Rent a suite in Taiwan Province Province for 6500 yuan, and rent a suite in Tongzhou 1500 yuan. If the monthly income of Taiwan Province people is 15000 yuan, minus 6500 yuan for rent, 1000 yuan for transportation, 1500 yuan for meals in 300 yuan, and 2000 yuan for a little entertainment, "there is 1000 yuan left every month".
Junior engineers in Beijing spend 8,000 yuan a month, minus the tax of 1 0,000 yuan, the rent of 500 yuan, the transportation fee of 1 0,000 yuan to 300 yuan, and the entertainment fee of 1 0,000 yuan, leaving "3,200 yuan a month".
May I ask: People in Taiwan Province Province earn 15000 yuan a month, but only 1000 yuan is considered rich, or are engineers in Beijing earning only 8000 yuan a month, but only 3200 yuan is considered rich?
After more than 20 years of reform, China has created a group of rich people. Please look at the survey report on the "rich" published by Fortune magazine a year ago. They surveyed "people with cash deposits of $654.38+$00,000" and how many people in Asia have such wealth.
The answers are: 40,000 in Hongkong, 80,000 in Taiwan Province Province, 0.2 million in Japan/KLOC-0, and 300,000 in China. China's annual growth rate far exceeds that of other Asian countries. Therefore, people will not be surprised that foreign banks always promote "wealth management services" when they set up business in Beijing, because China is a place lacking this knowledge.