Netizen A: First, start with changing the concept of consumption.
The first step is not to learn how to buy fund stocks, but to change your consumption concept first. If you just read the marketing number "Good-looking girls bring their own money-burning attributes" not long ago, save the money for eating pickles and buy SKII fairy water; Or earn 3k a month and buy Chanel bags. Then, if you have the same income as Warren Buffett, you will soon lose everything. Therefore, the first step in learning financial management is to "change the concept of consumption". After all, I can't always buy any wealth management products. I have to have money to invest ~
Second, understand all kinds of investment products and their risks
This picture is called "Investment Pyramid" and lists all kinds of common investment products in the market. From the bottom to the top of the pyramid, the higher the risk. Time deposit is also an investment product, but the interest rate is relatively low.
Third, study investment knowledge well.
If your risk tolerance is relatively low, then put your money in the money fund, buy bonds and buy government bonds for reverse repurchase. It will hardly lose money. But if you are not satisfied with just a little higher than the bank interest rate, then you should study hard.
Fourth, investing in yourself is the highest return.
You can improve your ability by studying, and the income growth rate is much faster than 1.3 times. Learning financial management can increase income, and investing in yourself can increase principal.
User b replied:
Strategy 1: Do everything possible to improve your working ability and level.
Judging from the starting salary, it should belong to a category with good qualifications. Then we should actively improve our ability and strive for a raise from our boss. At the same time, if there is reform in your unit, you must improve your emotional intelligence, so that you won't stand in the wrong team. Make every effort to cater to your superiors. Try your best to avoid your superiors who you think are poor.
Please remember that having a high income is the root of the topic of "financial management". Without high income, you are not qualified to talk about financial management at all.
For example, the statement that poor dad and rich dad reduce the proportion of wage income in four quadrants and increase the proportion of passive income, freelancing and self-employment is simply nonsense and totally out of line with the current situation in China's first tier cities.
What do you use to get passive income without wage income?
Freelancer? Have you seen the living conditions of freelancers in first-tier cities?
Start a business? One can dry up a million bones. The probability of success in starting a business is amazing. People start a business = people go bankrupt. The masses always rely on the deviation of survivors, see the scenery of successful entrepreneurs in the spotlight, and are eager for this high-risk behavior.
Supplement: office workers should not speculate in stocks, which is harmful and useless. The essence of stock trading is long and short gambling, not fighting. Office workers share stocks, which is equivalent to carrying a kitchen knife on the battlefield in World War II. If Uranus plans such a strategic counterattack, it is easy to say that he can also pick up some equipment with his teammates; If it was the battle of Normandy and Kursk, I really don't know how to die, and it also delayed my work, which runs counter to my strategic purpose.
Strategy 2: Don't be ruined by the real estate game.
There are only two options before you.
First, continue to pursue financial management and the freedom behind it.
The second is to become a house slave and never mention the word financial management again.
I know that option 2 is a helpless choice in many cases. You're getting married. You want a baby. There is no way, life is full of all kinds of helplessness. With the age of the subject, as a non-indigenous emperor, he is no different from the slave class in identity and is bound to be squeezed by local slave owners. And this squeeze is mainly reflected in rent and housing prices.
Strategy 3: We must develop good consumption habits.
As a white-collar worker, it is easy to get lost in the shadow of what I call "the vicious circle of white-collar universality":
The more you work hard to earn money, the more you have to be worthy of your hard work. So treat yourself with luxury consumption. I want to spend my holiday on the beach. I want a luxury car and a luxury watch. All imported equipment is needed. Need a 3-carat diamond. Five, five, six, six. Wait a minute.
If you enter this cycle, even if you improve your working ability as I said above, you will still be farther and farther away from your financial dreams; What's more, your work ability has not been improved.
But please note that if the subject doesn't want to enter this cycle, then your life will inevitably be harder than others-at least in the eyes of others.
You can't compare with others.
You can't show off in front of people.
You can't treat yourself.
You may not be able to convince yourself to keep trying in the dead of night.
At this time, you have to recharge your faith-since you have chosen the road of financial management, you must tolerate ordinary people. When I say financial management here, I don't mean playing with thousands of dollars in Yu 'ebao. In my opinion, Yu 'ebao belongs to family. The so-called financial management, I am the starting line, that is, the monthly passive income is above 6.5438+0 million, reaching the point where I can barely be self-sufficient even if I am unemployed.
If you think you can only be an ordinary person, then forget anything I said above.
More importantly: never find a wife who has lost her family. This will completely invalidate all my other strategies. Of course, housekeepers account for the majority, and only a few suffer.
Strategy 4: Establish effective contacts.
The so-called "contact" means the exchange of information. In other words, you should first provide the other party with information that the other party finds useful. In other words, you must first make the other person feel that you are valuable and you are awesome. Then the other party will tell you how to make money.
Netizen c replied: my answer is: long-term strategic investment in stocks+loans to buy a house. For most people, there are few financial channels with stable legal income and high income. Nowadays, popular P2P, high-yield wealth management products, black village speculation of silver, gold, spot foreign exchange crude oil and highly leveraged futures are all risky, and they are ruined by carelessness. If you want to invest, for ordinary people, there are only houses and stocks.
After reading the answers from so many netizens, I don't know what your answer is. Welcome to leave a comment below.