Not everyone is born with abilities much beyond ordinary people, and those who later acquire wealth are not all "rich second generation". Financial intelligence can be acquired through learning.

Financial intelligence and wealth are inseparable. The spiritual essence of wealth is how to manage money and become the master of money.

We must not only learn to use existing assets to earn more benefits, but also realize the happiness of life in financial security and financial freedom. This is the true meaning of wealth!

For a person to have high financial intelligence, he must possess the following four elements.

1. Basic financial knowledge.

The first step in investing is to understand the most basic financial knowledge - learn to use wealth, know the time value of money, know simple financial statements, and learn the basic calculation methods of investment costs and returns.

Only by mastering these basic financial knowledge can you flexibly use assets, allocate various investment amounts, and bring yourself one step closer to wealth.

2. Investment knowledge

Modern society provides a variety of investment channels: bank deposits, insurance, stocks, bonds, gold, foreign exchange, futures, options, real estate, art, etc. .

If you want to gain something in the investment market, you must be familiar with the various ways of investing.

Although the return on deposits is low, it is very safe;

The return on stocks is high, but the risk is high.

Various investment instruments have their own specific risk and return characteristics.

After becoming familiar with the basic investment tools, you must master investment skills, learn investment strategies, and collect and analyze investment information based on your actual situation.

Only by learning more, practicing more, and accumulating more can we truly master the knowledge of investment.

Not only should we work hard to learn how to invest, but we should also attend as many investment classes and lectures as possible, read relevant content in newspapers and magazines, and acquire knowledge through television, the Internet and other media.

3. Asset and liability management

To invest, you must first know how much money you have available for investment.

Similar to business financial management, the first thing you have to do is list your personal or family balance sheet; how many assets do you have? How are assets distributed? Is the allocation of assets reasonable? Have you ever taken on debt? Long term or short term? Are there any commercial cards? Is your credit overdrawn? How do you plan to repay the balance? Has anyone borrowed money from you and can they still get it back? You may have never thought about these questions, but if you want to have good investment skills, you must always pay attention to the moments when they appear in your life.

4. Risk management

A person must not only understand his ability to bear risks, that is, how much risk he can take, but also understand his attitude towards the risks involved, that is, The ability to take large risks will change with changes in circumstances such as a person's age.

Young people can take a lot of risks but do not have the property to take risks, while the elderly have the financial resources to take risks, but they can no longer bear the risk.

A person must achieve a perfect combination of risk and return based on his or her assets and liabilities, age, family burden, career characteristics, etc., and this perfect combination also needs to be adjusted at any time according to one's own situation.

In order to improve your financial intelligence,

First of all, you must always pay attention to economic information and read more books and newspapers in this area. I believe this will continue to enrich your investment knowledge. .

Secondly, it is also important to pay attention to economic information in daily life, such as TV, newspapers, magazines, etc.

We are exposed to all kinds of investment and financial management information every day. If you pay a certain amount of attention and continue to accumulate and summarize, I believe you will eventually gain something.

Once again, practice brings true knowledge.

The cycle from practice to theory and from theory to practice will help us greatly improve our financial intelligence.

Finally, concepts or habits are the most important factors affecting financial intelligence.

Therefore, in order to obtain high financial intelligence, in addition to mastering some necessary financial knowledge, understanding market information and summarizing your own investment practical experience, you must also sort out and correct some of your wrong investment concepts and establish correct ones. Only by investing in ideas can you truly become a wealthy person.