Keep a golden goose and let it lay golden eggs.
Nowadays, saving money has become a luxury. Especially for those young people. Often make ends meet. At the end of every month, my pockets are empty. Moonlight clusters, blooming everywhere. This seems to have become a common problem. It's not that you can't save money, but that there are too many places where you need money.
Young people in this era are basically only children. They all enjoy the dividend of national development, and they can get a superior material and spiritual life without paying too much. Eat, if it's the best. I like eating. Playing is also the latest fashion. Wear is also a brand. In short, as long as it is something new in this era, they all want to try. Parents at home are basically one child. Who wouldn't send them flowers? As long as it is within the scope of ability, no parents will refuse.
I have come into contact with such conditions, and it will be good for them to earn enough money under such consumption conditions after they embark on an independent life in society. It's great to save some money.
But the author of this book tells us that in the long run. If you want to live a rich life, you must learn to save money.
How can we save money? The second road to financial freedom tells us that we must learn to live within our means. That is, after income, save the money to be saved first. The rest of the money will be used for your daily expenses Saving 10% of income every time will not affect the quality of life. If you can persist for a long time, you will be surprised to find that your account has accumulated a certain amount of wealth, and you can start investing in wealth management, making Qian Shengqian's money-making model. The golden goose was also cultivated from this.
Learn to sell.
With the development of the Internet, the ways of making money on various platforms are also in full swing. At this time, Qian Shengqian's model can also be developed. How to do it specifically? First of all, we must choose a well-developed WeChat business platform. This should be easy to find. As long as there is a circle of friends, in the rapidly developing Internet era, eight out of ten people are not talking about doing WeChat business, and at least five people are selling things in the circle of friends. Then buy their products, when their products reach a certain amount. We can be agents. It is not very expensive for a shopkeeper to become an agent. Just spend a few hundred dollars to buy some products recommended by the platform? The so-called taking goods is just direct operation. The other party gives you a platform link, and there are all kinds of goods in the platform. If you need to click directly, buy it. Very convenient. The proceeds can be directly transferred to the agent's name.
Doing WeChat business is mainly to develop contacts. This involves the problem of sales ability. The more contacts you develop, the better your WeChat business will be. When you have enough agents. They will help you sell the goods. The more goods you sell, the more commission you get. The income will naturally rise.
Of course each platform has its own rules. There are also different modes of operation. These also vary from platform to platform. This is also an effective way to make money for Qian Shengqian.
Learn financial management knowledge
The author also mentioned in the article that in order to make money grow better and faster, we must learn some financial management knowledge. Not only the knowledge in books, but also the paid courses on some platforms are worth learning. Because there are expenses. Their contents are full of dry goods. It has the effect of learning and gaining.
Xiaowen is an employee of a public institution and has a lot of spare time. In her spare time, she saw an article about financial management on a reading platform, and she had to pay to understand the content. Xiaowen thought of the lack of knowledge in this field. I bought it without hesitation. Some of the contents mentioned in the course are exactly what Xiaowen needs. The knowledge inside is all-encompassing. For example, how can the fund make a fixed investment to obtain high returns, how to operate convertible bonds to make steady profits, how to make new convertible bonds and so on. Later, I joined the practice. Learn faster by doing. In less than a year, Xiaowen not only earned back the tuition, but also earned back several times the tuition. Xiaowen, who usually spends money carefully, is no longer stingy. Her after-school income in Qian Shengqian completely covered her daily expenses?
Find a good investment field
In real life, as long as it is about financial management, you can see such words: investment is risky and you need to be cautious when entering the market. In the field of investment and financial management. How to choose financial products is very important. It is related to a person's age, social experience and endurance. Age determines the variety of wealth management products to buy. For example, low-risk varieties such as Yu 'ebao, money fund, debt fund and national debt are more suitable for the elderly. Young adults are more suitable for high-risk products. For example, stocks, stock funds and other products with relatively large volatility.
In the field of investment and financial management, there are many names of investment products. There are the following typical inductive totals.
1: The risk is extremely low. Mainly deposits and national debt.
2. Low risk type. Mainly various monetary funds or partial debt funds. For example, Yu 'ebao belongs to this kind of fund.
3. Low-risk funds. A product consisting of several financial products, such as foreign exchange, deposit plus option combination.
4. Medium risk products. This product is at risk of loss of principal. Income is also unstable. They generally invest in high-risk products such as stocks, futures and foreign exchange.
5. High risk products. Mainly trust and private placement. The income is relatively large. The loss is also great. This product has independent management services. The risk is borne by the investor.
asset allocation
Complete asset classification. The author also said in the article. If we want to Qian Shengqian, in the investment field, we should pay attention to one thing to make our assets increase steadily. That is asset allocation. Asset allocation is a very important financial management method in Qian Shengqian. It can reduce our risk. Get a good income.
The operation method of asset allocation is not to put eggs in one basket. To a large extent. It is to combine bond funds with equity funds, and in this combination. Put 50% in bond funds and 50% in stock funds. Average distribution. Of course, this configuration also depends on people's affordability. People with greater affordability can allocate a higher share to equity funds, while those with less affordability can allocate more bond funds. However, the author thinks that balanced allocation is an ideal allocation method.
In the configuration method, from a small point of view. We can put different types of funds in a portfolio. For example, large-cap funds, small and medium-sized funds, hybrid funds, index funds and overseas funds. Why is this configuration? This is because when the market fluctuates, it is impossible for different types of funds to rise and fall at the same time. When the market rises, small and medium-sized stocks may fall; Hybrid funds fall, index funds may rise. In short, the allocation of different funds will balance risks. Achieve the effect of stable value-added.
These are Qian Shengqian's methods and means. This paper explains how to force yourself to save money every month, learn to sell your products, keep a golden goose laying golden eggs, classify assets and how to allocate assets. Tell us the secrets and mysteries of Jean Qian Shengqian. It laid the foundation for us to get rich.