1. Deposit balance treasure
2. Bank deposits
3. If you have no money, buy 2 yuan lottery tickets every day.
Since the so-called "most popular financial management method for young people" P2P was deleted from the list, most young people's savings have nowhere to put. Moreover, the wealth management of Yu 'ebao Bank can't run away from inflation, so it is better to spend it directly. "Enjoy the moment" became the reason why they took the moonlight for granted.
Before the 1970s, "actively save to support national construction", in the 1980s, "use tomorrow's money to do today's work", and in the 1990s, "if you don't manage your money, you will ignore it".
Nowadays, various financial management methods and products have entered people's lives in various forms. Finance, wealth, investment and financial management are no longer unfamiliar words. The change of people's concept is the biggest and the most profound, which in turn pushes the society forward in an irreversible direction.
Young people close to 30 years old begin to have a midlife crisis, and those realities that have never been considered are shrouded in a dark cloud: parents are getting older and various diseases begin to appear; When you meet someone you love, getting married is a big expense. Naturally, if you have children, you will have an extra bite to eat at home?
Even if you learn to save money, it won't be moonlight. However, can money make money?
The real anxiety starts here, and the speed of making money is too slow.
According to the Law of 72, with 72 as the numerator and the return on investment as the denominator, you can get the number of years required to double the investment by dividing "72" by "return on investment". For example, at present, the annualized income of one-year bank wealth management products is about 4%, so 724= 18, which means it takes 18 years for my assets to double. 18 years, the children have grown up. The price of pork doubled in two months, but the assets of 18 doubled.
Yes, is this a problem that everyone faces?
No, anxiety is magnified here:
Buying a house three months after graduation in 1995, people of the same age are abandoning you.
Three years after graduation, the annual salary is over 1 10,000: making money is a kind of practice.
The threshold of financial freedom in first-tier cities is 290 million, depending on how much you are still short.
People of the same age live better than you, and feel worse than anything else. I didn't see through it and didn't dig out my anxiety, but I didn't give a solution. No amount of chicken soup can erase the cruelty of reality and the inner pain.
How to solve your worries? Only get rich.
Twenty years ago, we said that learning English well would help us find a job. Now, learn finance and live a good life.
There is no such thing as a free lunch, and financial experts are not trained in a day. The only certainty is that your income will increase with your efforts. This is what the "four-day live broadcast directly hits the investment logic of first-line brokers" tells us:
1. If you have a low risk appetite and expect to make capital preservation investment, then income coupons and reverse repurchase of government bonds are the best choices.
What is reverse repurchase of national debt? It is the financial institution that mortgages the national debt to you and borrows money from you. You lend money to financial institutions. At maturity, you will get the principal and fixed income, and financial institutions will repay the principal and interest.
Take National Day as an example. Students who start selling government bonds on 26th can enjoy the income of 1 1 day. The funds will arrive on September 30th. If you buy stocks or other products with interest on that day, the funds will be fully utilized.
For example, on the 30th, some students chose to use Huatai Securities novice financial voucher 6%. After success, under the superposition effect, compared with the National Day pure balance treasure, the yield is as high as 9%!
The key is that the principal is guaranteed and stable! Someone asked why 6% and 4% of the products of the bank are top-notch in the world. You have to understand that bank wealth management is a consignment, and banks will not issue wealth management products themselves. In this process, banks will sell the products of brokers, and the difference earned as middlemen will be grafted on our customers. Bank financing shows the annualized income of brokerage products after deducting bank profits.
Moreover, the high-yield financial vouchers of brokers are realized by reducing middlemen, so there is no so-called "middlemen earn the difference" in direct selling ~
2. If you have a certain investment base. After the novice period, with a certain amount of deposit funds, you can take out some funds to make some low-risk investments. So, what should you do?
I don't know if you have heard of the experiment of "gorilla throwing darts to pick stocks". In order to verify the surprising conclusion put forward by Burton malkiel, an economist at Princeton University in the United States, in his masterpiece Walking on Wall Street: "Let a blindfolded gorilla throw darts to choose stocks, and its final performance will not be worse than the portfolio selected by experts."
1030 10 specially launched the "gorilla throwing darts to pick stocks" competition, giving fund managers a chance to prove their abilities.
Duration 14 years. 199810/0.7, when 100 games ended, the Wall Street Journal announced the final result: the fund manager beat the gorilla darts group with a score of 6 1: 39.
There is nothing to be happy about winning. After losing nearly 40 games, the income barely outperformed the Dow Jones Industrial Average (this has not deducted the transaction cost of the fund and the tax of investors). In other words, investors can easily surpass the investment performance of professional institutions as long as they invest in the market index.
"Stock price index" refers to stock exchanges and some financial services institutions, according to their professional knowledge and their understanding of the market.
, compiled the stock price index. In the actual market, it may select an appropriate number of representative stocks according to the industry distribution, economic strength, credit rating and other factors of listed companies to prepare sample stocks, which is what we call constituent stocks. The constituent stocks will be adjusted regularly, leaving only the stocks with good performance.
As a fund's share price index, we the public can buy it.
If the stock price index solves the problem of what stocks to buy, then the fixed investment of the fund solves the problem of when to buy.
Suppose we have a fund, and its performance from June to May is as follows:
65438+ 10 month, 30 yuan,
In February, 40 yuan,
In March, 30 yuan,
April, 15 yuan,
May, 32 yuan.
Suppose at the beginning of the year, you invest 2400 yuan at a time, then 2400÷30=80 shares. In May, when it rises to 32 yuan, it can earn 32-30=2 yuan, the total income is 80*2= 160 yuan, and the yield is about 6.7%.
And if I vote for 600 yuan every month, the total is * * * 2,400 yuan. So, the share I buy every month is:
65438+ 10 month, 600÷30=20 copies.
In February, 600÷40= 15 copies
In March, 600÷30=20 copies
In April, 600- 15 = 40 copies.
Buy less at high points and buy more at low points, gradually accumulate chips and reduce costs. In the end, if you invest the same amount of money, you will have 95 funds, with an average cost of 25 yuan per fund. Sold in May, the income is 32-25=7 yuan/share. Total income 640 yuan. The yield directly reached 26.7%!
3. What should I do if I want to invest in stocks myself? Whether it is quantitative trading or fundamental analysis, you need to learn more knowledge to enrich your investment logic at this time. The best advice is: start by investing in products you are familiar with. The more you and your friends use it, the better the industry is likely to be.
Someone asked, can I just "take a chance and turn my bike into a motorcycle"?
You know, this sentence does not apply to everyone. A futures trader with an annual income of 12 times once shared the experience of doubling the income. He said: "The reason why my income can be calculated by multiples, rather than the rate of return, is because I have such courage and ability, because of my accumulated knowledge and practical experience all the year round. On the other hand, I can lose money because of the money I invested. If you don't worry about the loss, you will have the courage to let go. "
Obtain direct sales and fixed income financing from brokers and agree on annualized income. Without the intermediary of the bank, the difference is earned, and the annualized income is higher than GDP.
Related Q&A: Are Huatai Securities' wealth management products risky? This can't be generalized. All brokers have wealth management products, both varieties with almost no risk of capital preservation and interest payment, and investment products with greater risks. First of all, it depends on the investment direction of wealth management products. There is almost no risk in investing in bonds, money funds or other fixed-income varieties. Investing in stocks, stock index futures hedge funds or other equity varieties is risky, so it is necessary to make it clear that reinvestment is necessary.