Life needs 3 suites
Most people underestimate their need for wealth. In fact, a person needs to prepare at least three sets of wealth in his life to meet the needs of his own residence, children's education and retirement. Are you fully prepared?
Only investment can resist the erosion of wealth by inflation.
Who stole my money?
If you take the downward escalator, you can only go up at a higher speed than the downward escalator. Generally speaking, wealth is actually declining. Only when the rate of wealth appreciation exceeds the rate of inflation can wealth be guaranteed.
3. Investment should be planned and experts' opinions should be listened to.
Every year 15 yuan (1.5%), enjoy 2000 hours of expert service.
Will you quit your job to decorate your house, study architectural design and do it yourself? No, most people will find a trustworthy designer to help them work out the best and most suitable decoration plan. The same is true of investment, and professional advice will make you enjoy it.
4. The earlier the investment, the longer the time and the more the return.
Start seven years late and chase for a lifetime?
1626, the Indians sold Manhattan Island for $24. If they had put their money out at that time, with an annual growth rate of 7.2%, by 2005, the money would have become $6.67 trillion, enough to buy back Manhattan Island. The change of investment results with time is amazing.
5. Develop the habit of regular investment.
/kloc-what can I do with 0/00 yuan?
Practicing 500 three-point shots every day once made a young man who was not very talented become the best three-point pitcher in American basketball history. A good habit may change your life. Get into the good habit of investing regularly, and small money can turn into big money.
6. Dare to take moderate risks and get higher returns.
The difference of three points is 654.38+0 million.
Drivers who dare to drive only 30KM/h on the expressway will definitely lag behind those who start at the same time, and so will investment. Avoiding risks means avoiding possible high returns, not to mention the difference in returns will eventually make wealth thousands of miles away.
7. There should be different investment portfolios at different stages of life.
Collection of works, follow the times
With the growth of age, former football players have to turn to sports that don't require high physical fitness, such as golf. The same is true of investment. Because the risk tolerance will decline over time, there should be different investment portfolios at different stages of life.
8. Moderate diversification is the best protection for investment.
Put the eggs in different baskets?
When fishing, put the bait on several fishing rods, so that even if one bait is not bitten, there are other places where you can gain something and the investment is the same. Moderate diversification can effectively reduce investment risks.
9, don't choose the time, don't chase hot spots.
10 Create a different future.
When you are caught in a traffic jam while driving a long-distance bus, will you sell your car on the spot (and the price is ridiculously low) and buy a bike to continue your journey? I believe you won't be so crazy. Long-term investment plans should also be long-term. Investment operations such as timing and chasing after new things will only be self-defeating and make you pay more.
10, pay attention to the intrinsic value of investment varieties.
New is better than old? (or: low net worth (cheap? ) the fund is higher than the net value (expensive? Okay？ )
In the ice cream sales experiment, most people choose a cup of ice cream that looks large but actually has a small amount. In our daily investment, investors are often confused by appearances and ignore the intrinsic value of the investment products that we should really pay attention to.
How should investors invest 20 10?
To invest in the stock market, we must first grasp several factors: first, the amount of funds, second, risk control, and third, the funds are in the medium and long term. After a comprehensive comparison of their financial situation, they decided to invest 70% of their funds in the stock market and keep 30% of their cash flow for flexible investment.
Nearly 30 years old, no car and no house, I am a radical investor.
Therefore, the main investment direction in 2009 is the stock market and cash, 70% stocks and 30% currencies.
There is a saying in Laozi's Tao Te Ching that "the actions of those who oppose Tao are used by the weak". It means that everything is always developing towards its opposite, and "weakness" is the application or function of "Tao". After experiencing a 70% decline in the A-share market from the highest point, the stock market now has great pressure to "return" to the long-term trend, which is the "defensive" part. From this perspective, the stock market regained strategic investment opportunities in 2009, and such a strong trend at the beginning of the year is the performance of this trend.
But to invest in the stock market, we must first grasp several elements: first, the amount of funds, second, risk control, and third, the funds are medium and long-term. After a comprehensive comparison of their financial situation, they decided to invest 70% of their funds in the stock market and keep 30% of their cash flow for flexible investment. In the actual operation process, appropriate proportion adjustment will be made to control risks.
70% of the money invested in the stock market will also be invested in ETF funds. As a passive investment fund, ETF can best reflect the ups and downs of the market. As a reporter, I have been standing in the nearest place to the stock market, so I am most suitable for investing in investment targets with strong volatility. In addition to proper band operation, I also intend to choose high-quality stocks or growth ETF funds for "fixed investment" and select some stocks or ETF funds for long-term investment as part of my monthly salary to smooth costs. Generally, there will be a correction after the stock market rises sharply. When investing in individual stocks during the callback, the income will be better.
The essence of investment is to bet on the uncertainty of the future. In 2007, perhaps the most optimistic analysts did not predict that the market could come to this step, and in 2008, perhaps the most pessimistic analysts did not predict such a "cliff-like" tragic situation. The charm of the market lies in its surprise. Although the market is rising at present, no one can predict when it will turn around and go down. Objectively speaking, under the background of the current global financial crisis, it may be just a wishful dream that the China stock index is particularly prosperous.
Investment can't just aim at making a fortune. This is a life experience, and the joys and sorrows in the process are all a kind of wealth. So in other aspects of investment, I don't intend to choose the popular gold wealth management products and trust loan wealth management products. But when conditions are ripe, real estate investment may be made.
Growth of personal investment scale
The amount of personal assets determines the way of investment.
From the low threshold to the high threshold, funds are used such as funds, foreign exchange, stocks, paper gold, futures, real estate, commercial transactions, equity transactions, development, venture capital and so on. It has been constantly tested and is inseparable from the wisdom of investors.