Miao Wei Xiaobai Training Camp has morning reading, anti-cheating in the afternoon and sharing classes in the evening. /kloc-There are many things to share in the course of 0/2 days.
A WeChat group will be established, and the group owners will share the courses. My class is word sharing.
Let me talk about what I have learned. First of all, Qian Qian the Dog is an introductory book on financial management. At present, I only read about 20%, and I haven't finished reading it yet. But I think this book is quite interesting)
Many people may not know what assets and liabilities are (those who have seen rich dad and poor dad should know something), and many people may not have heard of the four quadrants of ESBI.
People in employee e quadrant have jobs and are employees. Except for a few people who work in the government, most people work in enterprises. The income of people in this quadrant is mainly wage income. Most people's salaries are paid by enterprises, so it is very important to know about enterprises.
People in the self-employed quadrant work for themselves and are freelancers. They may be the owner of a steamed bun shop, a fruit vendor, or the owner of a studio. They may be one person, or several people may work for them. Their enterprise form may be sole proprietorship, partnership or limited liability company. Although people in this quadrant work for themselves, a lot of their income comes from their own small enterprises (probably not corporate enterprises). Therefore, it is very important to understand the enterprise.
People in quadrant B own an enterprise system and are entrepreneurs. People in quadrant B are big business owners, and their businesses can generally operate independently of the entrepreneurs themselves. For example, Ma Yun will retire soon, but Alibaba can still run very well. Jobs has been gone for several years, and Apple's market value still exceeds 1 trillion dollars. People in the B quadrant and people in the S quadrant may both own their own businesses. The biggest difference is that enterprises in quadrant B can still run well without people in quadrant B.
And enterprises in the S quadrant will go bankrupt if they leave the S quadrant. In many cases, entrepreneurs in the B quadrant are not better than those in the S quadrant, but people in the B quadrant know the enterprise better than those in the S quadrant. For example, Wang, the founder of Huayi Brothers, a listed company, can't act at all, and his performance ability is far less than that of Fan Bingbing. But Wang knows more about enterprises, so the enterprise he founded went public, while the enterprise founded by Fan Bingbing was just a studio. Therefore, it is very important to understand the enterprise.
I quadrant-investors investors I quadrant people let money work for themselves, and they are investors. They know that investing in stocks is investing in enterprises; Investment equity is an investment enterprise; Investment bonds (corporate bonds, convertible bonds) are also investment enterprises. Investing in REITs can also be regarded as an investment enterprise, and analyzing the financial statements of REITs is the same as analyzing the financial statements of enterprises. Therefore, it is very important to understand the enterprise.
Robert Toru Kiyosaki said: "If you want to strike a balance between time and money, and move towards financial freedom and wealth, unless you work on the right side of the quadrant. Only by working in quadrant B and quadrant I can we get non-labor income, balance time and money, and enjoy financial freedom.
Except for rich dad and poor dad, what I learned in the book
I also learned a lot, such as how to understand financial statements, REITS, index funds, compound interest, fixed investment quota or variable investment quota. Some things are really valuable to me. My biggest feeling about spelling out the course for 7 yuan is that a fixed investment is a fixed investment, which I thought was a fixed investment. Later, I learned that changing from fixed investment to investment is the correct investment method. It was from June 5438 to last year 10 that I began to learn the knowledge of investment and financial management. I've only seen Poor Dad, Rich Dad, Poor Dad's Road to Wealth and Freedom, and Poor Dad, Rich Dad's 265438+ Career in the 20th Century. What will you do to support yourself after 30 years? I read the last book last year and learned the magic of funds and compound interest, so I chose several funds for investment and financial management. Recently, I came into contact with this training camp, and I feel that there are still many things to learn.
Post two more learning experiences.
This investment risk pyramid
Through this picture, I learned that low risk ≠ low income.
Low risk/low return
Low risk/low return
High risk and high return
High risk and high return
High risk and high return
These are the main low-risk financial management tools. The main feature of low-risk financial management tools is low risk. Low-risk financial management tools can be subdivided into two categories.
One is low-risk and medium-yield, and the annualized rate of return is generally between 6%- 15%, mainly including graded fund A, convertible bonds, bond funds and stock index funds.
One is low risk and high return, and the annualized rate of return is generally between15% and 30%, mainly including stocks, REITs and real estate.
Low risk can also have high returns, and high risk is more likely to have high losses.
The risk and income are mainly determined not by the financial instruments themselves, but by our financial knowledge.
There are four kinds of financial management tools with moderate risk. Here, let's think about it. What are the benefits of moderate risk?
Medium risk corresponds to medium income?
If you think so, you must think too much.
Here again, medium risk ≠ medium income, medium risk may correspond to low income, medium income, high income, and of course it may also correspond to loss.
Gold, as everyone knows, is not much to introduce. Why is gold a medium risk? Because gold is other assets, it will not bring net cash inflow. Holding gold can only earn the difference. There is great uncertainty about the price difference. So it is a medium risk.
Bank financing (non-guaranteed) is risky and needs to be cautious. Generally, people with financial knowledge will not participate. It is better to invest in this risky bank wealth management product than to do it yourself.
Stocks of other asset types, stocks that do not pay dividends. This kind of stock doesn't pay dividends, so it can only make money by raising prices in the future. However, there is great uncertainty about the future price rise and fall.
In fact, stocks may be low-risk and high-yield financial tools, high-risk and high-yield financial tools, and high-risk and high-loss financial tools.
For people with different financial knowledge, the risks and benefits of stocks are different. People who lack financial knowledge will blindly think that stocks are high-risk financial management tools.
Enterprises that generate monetary assets are enterprises that continue to make money. Generally speaking, the risk of a profitable asset type enterprise is greater than that of a profitable asset type stock. Because companies that issue shares on the market are generally top companies in the industry, the risk is smaller than that of small and medium-sized enterprises. Even small and medium-sized enterprises that make money are relatively risky. This is also the reason why many people want to enter a big company when looking for a job.
Although there are certain risks in starting a business, people who want to realize financial freedom quickly will also choose this tool. Because you can create a profitable enterprise from scratch, you can get excess income.
These are common high-risk financial management tools. Here again, high risk does not necessarily correspond to high income. In general, the corresponding losses are high.
P2P is essentially usury on the Internet. Just recruit a few people and make a website to do this. This standardized financial management tool is not traded on the national exchange. The risk is very high, and it is easy to lose everything.
Private equity funds, funds raised for a few people, can invest in various financial instruments. Private equity funds are non-standardized financial management tools with great risks.
Bitcoin, a kind of digital currency. It is not a standardized financial management tool for trading on national exchanges. It does not generate cash flow, belongs to other assets, and can only earn the difference. It's very risky.
Collectibles are not standardized financial management tools traded on national exchanges. It does not generate cash flow, belongs to other assets, and can only earn the price difference, which is not easy to realize. It's very risky.
Capital-consuming asset type of real estate, which constantly generates net cash. Because the monthly net cash outflow is certain, that is to say, the monthly loss is certain. In the future, we can only make money by rising house prices, which is very uncertain. The risk is relatively high.
Futures, standardized contracts traded on futures exchanges. There is no credit risk and there is no escape. Futures itself does not generate cash flow, but can only make money by the future price difference, which is very uncertain. In addition, futures are generally highly leveraged, and it is easy to lose principal. It's very risky.
We only need to know about high-risk financial management tools, which will not only help to realize financial freedom, but also play a negative role.
When we manage money, as long as we encounter high-risk financial tools, we must stay away from them. Because high risks and high returns, high risks often lead to high losses.
In the process of realizing financial freedom, we should mainly use risk-free and low-risk financial management tools.
Of these two kinds of financial management tools, two are the most important, which will greatly help our financial freedom in the future. These two tools are profitable asset stocks and REITs.
It can be said that as long as you master these two tools, you can become a small financial expert. Even if you don't have any money now, you can become a rich man of Niu X in the future. After long-term practice, these two tools are the best tools for men, women and children to earn money.
However, if some students want to get rich in a short time, then these two tools can't meet such an ideal demand. This requires the tools of the enterprise. This tool is used by Ma Yun and Ma Hua Teng, and Wang Sicong and ZhangZetian have the same model.
Now we have learned about the three core tools to achieve financial freedom.
The three core tools of financial freedom constitute a golden triangle with stable cash flow, and the combination of these three tools will produce a steady stream of strong cash flow.
These three core tools, as long as one of them is used well, can get rid of poverty and become rich.
With the core tool of enterprise, you become an entrepreneur;
Use the two core tools of stocks or REITs well, and you will become an investor;
With the three tools of enterprise, stock and real estate, you become a capitalist.
Once you master these three core tools, you will understand the mystery of the money world, and you will be at the top of the pyramid on this planet.
When you stand at the top of the tower and look down, you can't help saying:
Even if you strip me naked and leave me in the desert with only a pair of underwear. As long as there are camels passing through here, I can still become a billionaire.
All right, that's all.
Just before entering the camp, I knew something about compound interest and fixed investment. I just read and studied+did it myself, catching up with the fund launch in June+10 last year. Maybe it was a good time for the central bank to inject capital into the stock market, so I came to the bull market. Through the study in the training camp, I found REITS and good company stocks, and the establishment of enterprises can achieve financial freedom. This time, I mainly studied basic investment knowledge such as low risk, low return, high risk and high return. I also learned a lot of basic knowledge about fraud prevention and securities software. I think it is worthwhile to learn correct ideas. I think this training camp is good for Xiao Bai and easy to understand. It is worth recommending!