Recommended practice:
1, specialize in your own major, which will be the main source of your future income. Take the qualification certificate of a related major, lay a solid foundation for finding a job in the future and accumulate more practical experience.
2. Start to contact the tools of currency appreciation. From low to high, the risks and benefits are: time savings, bonds, bank wealth management products, insurance, gold, funds, real estate, stocks, collectibles, foreign exchange, futures, lottery and so on. And there are many derivatives. Gradually determine the allocation direction of funds. Generally speaking, you can choose three or five of them.
In your case, you can choose the method of "fixed investment", which can appropriately spread the risks. Although the income is not very high, it can play the role of compulsory savings. After a period of time, you will find yourself with a lot of capital.
3. Learn bookkeeping, investment and financial management skills, online search, and learn from people around you.
4. Determine your financial goals and make plans.
When you understand, you can use some of your money to try to invest and build your confidence. I believe you will succeed!
Fund fixed investment:
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Many people think that this is a way to diversify risks. In the long run (more than five years), the risk is almost zero, but the return is relatively low. Here, it is mainly recommended that young people have a compulsory saving method. After three to five years, you will find that you have a lot of principal to invest.
The sooner you manage your finances, the better;
Well, compound interest is the eighth wonder in the world. Buffett said that if you want to be rich, longevity is very important. The sooner you get in touch with financial management knowledge, the more you can enjoy the fruits of compound interest.
About work:
For graduates who have just left school, work is exciting and full of troubles. It should be noted that we should give ourselves a good position. Many people are wondering, why do others earn hundreds of thousands of dollars a year, while my annual salary is only tens of thousands? Simply put, your income represents your social recognition. If you earn tens of thousands of dollars a year, you may just complete a process in a corner of the factory, and few people you serve, while those who earn hundreds of thousands or even tens of millions a year sell their products to every corner of the world and serve people all over the world. So your service determines your income, which is a logical relationship. We should pay attention to the former rather than the latter.
About learning:
There is a saying that pregnancy is just like pregnancy. It takes a long time to see it. Many people have this misunderstanding. First, after studying for a long time, I feel that I have learned nothing at all. Second, you can't use it now after learning it, and you will forget it later.
In fact, we make countless choices every day, some are right and some are wrong. We need to make sure that we can make the right choices and use certain knowledge to solve problems. It's like driving to a friend's house. There's a crossroads ahead. You haven't been there before, so you don't know where to turn. If you drive home and cross the intersection, you don't have to think about it at all, just turn around. We do things the same way. Knowledge will make you make the right decision invisibly. Sometimes you don't even know that you are influenced by knowledge, which is the result of learning.
Books suitable for getting started with financial management:
Poor dad, rich dad, puppy, the secret of a millionaire in Babylon, Qian Qian