As living and consumption levels become more and more expensive, your ability to make money needs to become stronger and stronger.

Then, you must learn and have the ability to invest and manage money so that you can keep up with the speed of inflation and avoid making life difficult.

1. Why invest and manage money?

Investment and financial management can better help you plan for the future;

Investment and financial management can better make full use of every bit of your income and expenditure;

Investment and financial management can help you realize your ideals earlier;

No matter what your current foundation is, as long as you make up your mind and have the courage and perseverance to work hard, your life will be more than poetry in front of you. There is a distance and infinite beauty.

2. What kind of investment and financial management concept is a suitable financial management concept?

1 Memorize the concept of money begetting money, and at the same time, avoid financial scams

The best and most effective way to invest and manage money is to let money beget money.

Whether you invest your money in fixed assets, buy a trust fund, or put it into Jack Ma’s Yu’E Bao, in short, you cannot let your money sit in a corner gathering dust. That would be a disservice to yourself. .

2 Investment is not limited to forms or methods

As long as it can have a good impact or effect on your life or work, or in the future, it all depends on the situation. The starting point of man.

I once read a story about emotional investment:

A boy fell in love with a girl. When chasing him, he bought all kinds of things, all kinds of good things, and the girl They bought whatever they liked and went on all kinds of high-end trips. In about half a year, they spent almost 200,000. Later, of course the two got married.

But after she got married, the girl realized that when she was chasing her, she spent all the boy’s savings.

This is also an investment, an investment in feelings and a lifetime of love in the future.

3. Misunderstandings that need to be avoided in investment and financial management

1. Stable work, no worries about food and clothing

I personally agree that if conditions permit, try to start a business Although there are risks in starting a business, the chance of success is also 50%. Moreover, if you don’t bother when you are young, do you still expect to have the ability and strength to do it when you are old?

If your business fails, you can go back to work from 9 to 5, but once you succeed, you will achieve freedom of wealth if you are small, and if you are powerful, you will be free of time and wealth at the same time.

But when you work, you can almost predict five or even ten years later. Moreover, some professions have adolescence. The older you get, the easier it is to lose competitiveness.

I always feel that working is not a stable job. If the company says it will fire you, it will fire you. So what if it loses three months' salary? There is no guarantee compared to starting your own business. I always wonder why everyone says that working is stable.

Of course, if you are lucky enough to work in a Fortune 500 company, licensing is another matter. Your platform is different and the resources you can access are different, but you must also seek a good future for yourself. effort.

Otherwise, even if you have devoted your whole life to the company, when you get old, why don’t you still just speculate? ! I believe most of you have heard of what happened to Miss Greedong not long ago.

So, why try so hard?

2 Can you make a fortune by stock trading

Can you make a fortune by stock trading? It is undeniable that those who make a lot of money in the stock market and then retire completely are like buying lottery tickets. Will they win? Occasionally, I don’t see television broadcasting that someone won tens of millions or 100 million.

But when it comes to stock trading, most retail investors lose everything.

When policies did not restrict financing for stock trading, many people used leverage to amplify their funds for stock trading. Banks provided leverage platforms and cooperated with securities companies to amplify your capital for stock trading, but at the same time, it also increased your risk. Many times bigger.

For example:

If you deposit 300,000 into your account, the bank can lend you 5 times the principal, and you can get 1.5 million in stock trading funds. But the bank will have a rule to force liquidation of positions. This means that when the loss of your 1.5 million capital reaches 20%, the bank will force the position to be liquidated to preserve the safety of their funds. Once forced liquidation, your 300,000 principal will be lost.

Last year, I had a friend who used to have two luxury cars at home, a Cayenne and a BMW. There were two nannies responsible for taking care of the children and three servants responsible for taking care of the villa.

But because of using leverage to speculate in stocks, I lost everything in the end, and now I have to hide from debt everywhere.

3 Putting your money in the bank for fixed term deposits is the safest way

It feels like the stupidest way to put your money in the bank for fixed term deposits.

The interest provided by the bank cannot even keep up with the annual inflation, and the money is constantly shrinking invisibly.

I don’t know why so many people are still willing to deposit money in banks. Even if they buy some funds or deposit Yu’e Bao, bank interest will be higher.

4. How to plan investment and financial management from scratch?

1 Try every means to borrow money. Ten years later, borrowing money now will not be a problem.

I have asked some friends before and advised them to buy a house or make investments, but some People always feel that they need to rely on their own abilities to achieve such great things, and feel that borrowing money from their parents is a very shameful thing.

Then, time passed year by year, and it still stayed in the same place. Those who invested early had already gone to a well-off society...

What's so ugly about borrowing money from your parents? Woolen cloth? You can still pay interest, and it can be higher than the bank's interest rate for the same period.

If your parents' money is deposited in the bank, it will only lose money at the current rate of inflation. You are helping your parents by paying interest.

If your parents don’t have enough money, you can still borrow it from your relatives and friends and just pay them the interest.

If you don’t have money, how can you talk about dignity? !

If you don’t have money, how can you talk about romance, poetry and distant places? !

You don’t even dare to ask your parents for a loan. What else do you dare to do? !

Please remember: it’s one thing whether they agree or not. What’s important is whether you dare or not.

If you really feel that your parents have no money and it is impossible for relatives and friends to lend you money, then read on. You don’t need to look at anyone’s face to borrow money from the bank, as long as you keep your word.

2 Appropriate purchase of commercial insurance not only protects health but also helps improve overall assets

Commercial insurance is a type of insurance other than normal social security. Commercial insurance can be pledged in banks , and then loan it out in proportion. Generally, you can get a loan of 70%, and the interest rate is very low. However, the principal and loan you purchase for commercial insurance will be counted as your assets by the bank.

When you open a credit card again, the bank will calculate your card limit based on your overall assets.

For example, I bought a 200,000-yuan participating commercial insurance from ICBC, which needs to be deposited for three consecutive years. That is, if I want to redeem it within three years, I will be charged a certain percentage of handling fees. Then, I pledged the 200,000 in insurance to ICBC, and I could loan out almost 180,000 in cash. If calculated as 180,000, my assets in ICBC would be 380,000.

Among them, the annual income of dividend income of 200,000 is about 5%, and the loan interest is about 8%. The difference in the middle is the income of three points in interest, and there is about 20,000. The money is equivalent to being deposited in the bank for a period of time, but if you open a credit card with a satisfactory limit, can the difference between these three points be offset?

Of course, you don’t have to buy such a high amount, or you can choose to pay annually. You can analyze it based on your own asset situation. Generally, when buying commercial insurance, you can consult them about what kind of plan is suitable.

3 Apply for more credit cards, use them reasonably, and pay them back on time, never overdue

(1) Why should you apply for a credit card?

1) You can enjoy interest-free use and increase working capital

According to different policies, each bank has an interest-free period of about 20 to 45 days, which means Now, if the bill date of the credit card you have is the 1st and your repayment date is the 28th, and you use your credit card after the bill date, for example, if you use it on January 2, you can use it on February 2. The January repayment will be made on the 28th, and those used after February 1 will be repaid in March.

There is an interest-free period in the middle, which is much more convenient than borrowing money from relatives and friends. The only difference is that you have to pay back every month, but you don’t need to look at anyone’s face.

Moreover, as long as one bank issues a credit card to you, other banks will not only review your assets, liabilities, credit and other comprehensive information, but also refer to your existing credit cards when applying for a card. Of course, this reference is only a reference, and the bank will still approve it based on your actual situation.

I remember that after Everbright opened a 100,000 credit card for me, the one Bank of Communications opened for me immediately exceeded the limit of Everbright by nearly 50,000. If you have three 50,000 credit cards, it means you have 150,000 liquidity available every month.

2) It can increase your credit record in the bank

The bank is a place that looks at data. The bank likes you to have some debt dealings with them, plus you are a trustworthy person. If the money borrowed by the borrower can be returned normally, the bank will especially like it.

Banks are not afraid that you owe them money, so if you use your credit card frequently and repay your bills on time, the bank will regard you as having a good credit rating. Then, when you apply to the bank for business again, the bank will like your behavior more.

(2) So, which banks are more ‘comfortable’ in issuing credit cards?

There are also tips for going to the bank to apply for a credit card. Currently, the credit card approval limits of the four major state-owned banks are relatively strict, and their limits are generally not as loose as those of non-state-owned banks.

Especially at the end of the year, the credit card approval limits of banks such as Shanghai Pudong Development Bank, China Everbright Bank, Bank of Communications, Baoshang Bank, and Minsheng Bank are slightly looser, so you can try more.

When applying for a card, try to submit materials that can prove your assets, such as real estate certificate, driving license, and social security card. If you have bought commercial insurance, bring the policy with you. The bank will make an overall assessment. Your assets, the more assets you have, the higher the amount you will be approved for.

Of course, if you are lucky enough to work in a Fortune 500 company, or you are a civil servant, bank staff, etc., when you apply for a credit card, the credit limit will be higher than ordinary ones. This is because you Depending on the nature of your job or the company is endorsing you, it is recommended to open more cards.

(3) What should I do if I have no assets and want to apply for a credit card?

Another situation is that you have just graduated and have only been working for about a year. You have no savings, let alone a house. In this case, you can also open a credit card with a higher limit. .

For example, in Shenzhen, Citibank specializes in opening credit cards for working people. As long as your salary is paid from the bank for more than six months and you have purchased social security, you can basically approve a credit card worth around 50,000 yuan.

For example, with Shanghai Pudong Development Bank, although you have little assets, the initial limit they grant you may be low, but they will adjust the limit four times a year. As long as you use the card well, for example, eating and shopping. We use credit cards for everything, and they never give cash where credit cards are accepted. In addition to paying back on time, they will increase the limit very quickly.

(4) When using a credit card, please remember to repay it on time and never be overdue

If you have credit cards from multiple banks, please be sure to manage them in a unified manner and avoid overdue payments. .

If your credit card is overdue, it will bring extreme inconvenience to your future life:

For example: when you want to buy a house, and you have been overdue, the bank may refuse to approve it. Your mortgage loan;

When you want to buy a car, if you have been overdue, the bank may refuse to approve your car loan;

When you need to apply for a credit loan from the bank , if you have been overdue, the bank may refuse to approve any loan business of yours.

(5) How to manage your credit cards in a unified manner?

1. The most original method is to create a unified EXCEL table and record all the basic information of your credit cards, including billing date, repayment date, limit, and update the repayment status on time.

2. The second very convenient and practical method is to directly associate your credit card with WeChat, WeChat-Wallet-Credit Card Repayment, you add your credit card to it, associate it to set repayment reminders, etc. , WeChat will always remind you on time when you need to repay, and how much you need to pay back at a glance.

3. The third method is to use APP management. There are many apps specifically for managing credit cards, but after using them, I always feel that they are not as convenient as the one in WeChat Wallet, because I don’t like to download too many apps on my phone, which will occupy the memory of my phone.

4 Invest appropriately in fixed assets, such as buying a house

Perhaps, when you see this title, you will feel helpless and feel that you are unable to buy a house, especially in Beijing, Shanghai, Guangzhou and Shenzhen. House prices can easily reach tens of thousands per square meter, and there are many that cost hundreds of thousands or more...

You will feel that buying a house is such a distant thing, and think about it, working hard in Shenzhen or Shanghai After a few years, I will go back to my hometown to buy a house and live a small life...

In fact, ideas like this are very one-sided and wrong.

Of course, I am not saying that living in a small town is not good. I just want to remind you that if you work and live in a big city from the beginning, you will probably not be used to it when you return to a small town after a few years.

Moreover, in a few years, when house prices double again, you will regret why you didn’t buy a house in advance. Maybe, if you bite the bullet, the pain will be over.

1) You can buy a house and earn principal during the booming years of real estate

Most people may be aware of the booming real estate industry in Shenzhen, Nanjing and other places in 2015, and it has driven the popularity of surrounding markets. People who have not participated in this activity just think that the rise in real estate has enabled people who own houses to make money, but they do not know the true speed of real estate rise and the speed of making money.

For example:

After the '3.30' policy was introduced in 2015, that is, in April, you immediately went to an agency to help you find a house. You were in Shenzhen at that time Center, buy a small two-bedroom elevator room, about 57 square meters, and the price is about 1.86 million. You pay a deposit of 100,000, and pay a little more to prevent the seller from defaulting. Then, with a down payment of three floors and an appropriate high rating, you actually The required down payment is 480,000, and the house will not be handed over until the end of July.

Before the house is handed over to you, you can entrust an intermediary to help you rent it out, and help you find customers in advance. The rent is 5,000 a month, and the monthly payment is about 7,500. Then, you can actually rent it out by yourself. You only need to pay a monthly payment of about 2,500 yuan.

At the same time, I entrusted an agent to list the sales information. Because of the market situation last year, the house price changed every day. Sometimes, the price was different in the morning and afternoon. In the end, the house was sold for 2.85 million in January 2016. of transaction.

2) When the real estate market is in a downturn, you can earn a house with 'zero down payment'

Of course, later, due to the intervention of government policies, it is difficult to have the same market situation as last year, but the real estate market When there is a downturn, there is a way to invest in the downturn.

In Shenzhen, due to the government’s repeated increases in assessment prices, tax prices continue to create new history, coupled with various policy restrictions, resulting in a ‘temporary’ downturn in Shenzhen’s real estate market.

You often see advertisements from intermediary companies offering information about buying a house with zero down payment. Zero down payment means that the sale price of the house is much lower than the bank’s appraisal price. Bank mortgage loans are based on the bank’s appraisal price. For example:

The house is sold for 2 million, and the bank appraisal value is 2.8 million. Your actual down payment is calculated like this:

a: The down payment you need to make : 2 million*0.3=600,000

b: The loan the bank gives you: 280*0.3=840,000

c: 840,000-600,000=240,000

This means that you not only bought back a house, but also got back 240,000 in cash, and your loan interest rate this time is about 4.5%.

When house prices rise, all your liabilities are also your assets, because when house prices rise, total assets rise.

So, during the real estate downturn, there will be a large number of selling orders. Because there are few takers and there is not enough market acceptance of the selling orders, the price will fall in stages. As long as you look carefully, the main reason is Describe your needs to major intermediaries and let the intermediary help you find a house every day. You will always be able to find a property that suits you and buy a suitable house with as little down payment as possible.

3) After buying a house, what about the monthly payment?

Under normal circumstances, from the time you pay the deposit to the time you pay the down payment and then receive the house, the transaction time in the second-hand housing market is usually about three months. In some cases, it can take as long as four months. It’s been months.

From the second month after the bank disburses the loan, you will need to pay the monthly payment.

Repay with a credit card

Then, the credit card you applied for before will come in handy. At the same time, your lending bank will also issue a credit card to you, which you can use Pay off the monthly payment on a credit card, and then spread the credit card over installments. If you feel the pressure is high, you can spread it over 24 installments and pay it off slowly.

Due to national policies to increase credit card swiping fees, many banks now directly provide credit card cash installment services. You only need to call the credit card center and ask if there is a cash installment service. If so, you can directly pay in cash. By installment, you also save on card swiping fees, and the cash can basically be transferred to your savings card on the same day or the next day.

Loan from the bank

You have to find a way to survive the six-month repayment period, because after your monthly payment exceeds six months, Ping An Bank will have monthly loan payments , the loan can be about 20 times to 22 times the monthly payment, but the interest rate is relatively high, less than 1 point of the monthly interest rate. But the loan money is basically enough for your monthly payment for a year.

Apply for a business loan

If you have a company in your name, the bank will also provide business loans. You can borrow and repay as you go, and the interest will only be calculated when you use it.

Another type of house is the rent-back method of the developer. For example, you buy a house from the developer, and then sign a house rental agreement with the developer at the same time, which stipulates that the house can be rented back. Rent to a developer, and the developer will pay you a certain amount of rent every month, which you can use to offset your monthly payment.

Of course, this kind of house is relatively rare in urban areas, and it is usually done by hotel-type houses.

5 Look for capital-guaranteed projects for moderate investment

If you rely on salary, never expect to make a fortune, unless you are like a working emperor, but many ordinary people cannot make it In such a climate, we should seek to maximize our assets in our own situation.

You can pay attention to some investment projects, but you must be cautious, because there are often people in the market who cheat in the name of investment, so you must be careful when choosing, and this is the last word. reason.

This is a double-edged sword. If you use it well, you can leverage one point to influence the overall situation. If you throw it wrongly, you may lose everything.

I never blindly invest money in any project, nor do I blindly listen to other people's exaggerated words about the project. I will judge the quality of the project by myself before deciding whether to invest money.

6 Please often attend some commercial studies or gatherings

The market economy is changing, and the future of enterprises will definitely be oriented towards financial development. If you do not participate in learning and do not pay attention to the latest If you are just bored in your little world all day long about the latest business development trends, you will find that friends or colleagues you haven’t seen for a year may have achieved financial freedom, and the gap between you and others will invisibly widen.

So, I often spend time and energy studying. Of course, I also pay a lot of tuition fees, ranging from a few hundred yuan to tens of thousands. Although the amount is different, as long as I attend a certain course After reading it, if I can feel that I appreciate it or have learned new theories or knowledge, I will be very satisfied.

Continuous learning will keep your thinking from falling behind and seize all kinds of opportunities that come to you.

Of course, any of the above-mentioned items can be written in detail in a separate article, but due to space limitations, the article cannot discuss them in detail one by one.