A young man without any background, through his excellent investment of 17 years, has become a rich man with100,000 assets with his own 20,000 yuan.

Recently, this example has aroused great concern after being disclosed by the media. Is it true? Can today's wage earners get rich by managing money? What is the difference between managing money and not managing money? The reporter conducted an investigation into this.

A: From 20,000 to 6,543.8+million, it attracts people's attention.

Recently, chongqing morning post and other media reported that a financial planner of Chongqing ICBC started with a loan of 20,000 yuan, and after unremitting efforts, he became a multi-millionaire in ten years.

It is mentioned in the article that Ma Jin, an employee of ICBC, started from 20,000 yuan, not only created assets of nearly 10 million yuan, but also became a well-known financial planner, with more than 600 regular customers, which affected the capital trend of 65.438+0.6 billion yuan.

Ma Jin's first bucket of gold began with reselling treasury bills. 1988 After graduating from university, Ma Jin became a shop assistant in Chongqing Branch of ICBC. Occasionally, he heard a relative in the countryside say, "Now there is a flood of treasury bills in the countryside, and farmers are worried about realizing the problem all day."

Because of the working relationship, Ma Jin knew that several bank outlets in the city had actually opened the national debt trading business at that time, and there was a geographical price difference. Therefore, Ma Jin decided to borrow 20,000 yuan to do vault business. In the past year, Ma Jin earned nearly 654.38 million yuan.

Ma Jin's second bucket of gold was earned from the stock market. 1992, Ma Jin was transferred to the securities business department of ICBC. At that time, Chongqing's primary and semi-market stocks (non-listed company stocks) were the hottest. There are many varieties 10 in the market, such as Wanli, Xingye, Chongqing and Kuixinglou. Although he knew nothing about stocks, he decided to take a gamble.

Ma Jin spent half a month, personally went to these companies for investigation, and finally bought 20,000 shares of Chongqing Industry between 2 yuan and 4 yuan. Six months later, the industry landed on the Shenzhen Stock Exchange. On the opening day, he shipped the goods at the price of 14 yuan, making a net profit of more than 200,000 yuan. Subsequently, he bought subscription certificates and stocks of Southwest Pharmaceutical, Chongqing Development and Chongqing Titanium in a similar way. After three years, Ma Jin has earned nearly 2 million.

Ma Jin's third bucket of gold was obtained through the housing market, stock market and futures. 1997 is the year of investment opportunities. That year, the stock market was booming, and Chongqing was directly under the central government, which made real estate and business full of opportunities. Ma Jin divided the funds into four parts for investment: one is to invest in financial products with short-term opportunities, such as stock market and futures market. He regards this kind of investment as "high-risk investment", and the proportion of funds accounts for 20%. Second, invest 30% of the capital in the industry. Because of limited time and funds, he only holds shares and does not participate in the operation. 1997, he and his friends established Chongqing Bauhinia CNC machinery company to engage in trade business. At present, the company's annual dividend return is around 15%; In the same year, he invested more than 200,000 yuan to open a bar called "Little Bar Shop" opposite Jie Fangbei Metropolis, and now he can earn at least several thousand yuan a month. 1999, he bought the facade of 145 square meters in Jiefang North Deyi Square at a price of 3,000 yuan per square meter, and opened a "Wei Zhen Restaurant", which is now profitable. Third, spend 40% of the funds on the most promising non-tradable shares and real estate projects at that time. From 1998, real estate speculation in Beijing and other places began to rise. At that time, although there was no movement in Chongqing's housing market, he thought that "it will definitely fire up soon." With limited funds, he indirectly invested in the equity of a land company. Soon, Chongqing Gao Yu Company, which is in charge of land development in high-tech zones, came into view. In recent years, land development in high-tech zones has been vigorous, and Chongqing-Gaoyou has achieved good benefits. Ma Jin's annual dividend exceeds 6,543,800 yuan, and the average income exceeds 654.38+ 02%. If it is successfully listed in the future, its value will reach 6-7 million yuan. 4. Reserve 10% of the funds as reserve funds to cope with the uncertain factors and needs in investment and life.

In recent years, through this diversified investment model, Ma Jin's assets have reached nearly 10 million yuan.

However, the disclosure of the media made Ma Jin feel unprecedented pressure, and both his work and life were affected to a certain extent. Last Wednesday, Fortune Weekly found Ma Jin's phone number through Chongqing Industrial and Commercial Bank. On the phone, Ma Jin said that some media reports were misleading and he didn't want to say anything or anything now.

Under the repeated questioning of the reporter of Lucky Fortune, Ma revealed that there are good investment opportunities at any time. For example, last year, the yield of book-entry treasury bonds he helped his customers reached 15% or more.

Zeng Huan, a reporter who once reported Ma Jin's chongqing morning post, told this reporter on the phone that the article really caused great controversy after it came out, but the content was true. He thinks Ma Jin's success lies in his good idea. At first, there was gambling. Later, assets improved, and began to pay attention to risk control and diversified direction.

B: The income difference between financial management and non-financial management is dozens of times.

Despite the fact that Ma Jin's financial story can be copied and cloned, one thing deserves our attention, and that is the importance of financial management.

Some financial experts have calculated that even if there is 6.5438+0 million yuan, it is not enough to support the elderly without financial management. Without any investment, 15 will also "sit on the mountain". The financial planner pointed out that at present, China's prices are stable and the inflation rate is 1%. However, according to the Tenth Five-Year Plan and the Economic Development Report for 2006-2065,438+05, China will maintain an inflation rate of at least 3%-4% every year from 2006 to 2065,438+05. At this level, by 20 15 years,10 million yuan is only equivalent to the current purchase level of about 600,000 yuan. If the education cost and consumption cost are counted in a family of three, it is estimated that 15 cannot be supported, which does not include the expenses that may happen at any time and need emergency.

So how big is the difference between managing money and not managing money? According to the lucky fortune reporter, the deposit of a working-class family is 200,000 yuan. If you just put it in the bank demand deposit, it will be 220,000 after 17, not including deducting inflation and interest tax. But if you invest, even if the annual interest rate is 5%, it will reach 458400 yuan after 17; If it is done well, the interest rate of investment can reach 15%, then after 17, this 200,000 yuan will become 2150,000 yuan. Then the income difference between the two is dozens of times.

However, financial experts also reminded that the concept of financial management should be different at different stages of the life cycle. In the young age, people have strong risk tolerance and income ability. At this time, more reasonable financial planning compresses elastic support and rigid consumption, and invests heavily. At this time, the pursuit is income; After middle age, the income curve is generally in a downward stage, and the risk tolerance is relatively weak. At this time, financial planning should transition to reducing investment and ensuring a better living standard. In other words, people's financial management concept has a changing process with the growth of life.

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You can also be a millionaire.

-Preface of the author of The Story of the Pipeline

Dear readers:

A hundred years ago, it was almost impossible for ordinary people to become millionaires. Let's take a look at this living standard survey conducted in the 20th century:

1900, the average wage in the United States was $0.22 per hour, and the average annual income of workers was between $200 and at most $400, which was below the poverty line at that time. At that time, only 6% of American high school graduates had an average life expectancy of 47 years. Only 14% of households have bathtubs. There are only 8,000 cars in the United States, and the paved road is only 144 miles. Until the first world war, the average American family spent 80% of their income on basic needs such as food, clothing, housing and transportation.

Generally speaking, there were basically only two economic classes in the society before 100: the rich class and the poor class. 10 Only one family is rich or middle class. He means that in 1900, 90% of the people in the United States belong to the poor class. The middle class still lives on wages.

Now let's turn the camera back to 200 1 from one hundred years ago.

Now, the average family's income is $47,000. The number of cars exceeds the population. Most families have at least two televisions. Life expectancy has been extended to 75 years. Nowadays, most people have more disposable income, more spare time and more career choices than before.

However, most of the 72 million families in the United States still live on wages.

If the houses, cars, furniture and other properties of these families are removed, the average household assets are zero. Zero! Income increases, household debts increase, and working hours increase. What's wrong?

Did you join a wrong system? The problem is that many people have fallen into the wrong plan. They fall into a wrong concept and lack the basic knowledge of how to create and accumulate wealth.

I'm going to make a bold statement today, which may shock you. But it's true! Are you ready?

This is a simple fact: today, becoming a millionaire is not an opportunity, but a choice!

It's true-anyone with a middle income can become a millionaire today. Impossible? It is absolutely possible! Actually, it's really simple.

If you want to be a millionaire today, all you need to do is follow the following three steps:

1. Understand how wealth is created and accumulated;

2. Imitate the proven method of creating wealth;

3. Do it persistently.

That's all. This is what ordinary people need to do to accumulate millions of assets: recognition, imitation and persistence.

What will you learn in this book?

In this book, you will learn the strategies that ordinary people can learn to establish real financial freedom for themselves and their families. These strategies are very simple and can stand the test of time. In the past 50 years, these strategies have created millions of millionaires.

My friends, becoming a millionaire is no longer a lucky or lucky thing. It's just a question of learning and following effective wealth creation strategies.

A best-selling book "Millionaire Next Door" said: "Most millionaires will no longer be descendants of the Rockefeller family or the Vanderbilt family. More than 80% of millionaires are ordinary people who have accumulated wealth in just one generation. "

Think about it, "80% millionaires are ordinary people." This statistic proves what I just said. Today, becoming a millionaire is not an opportunity, but a choice.

The purpose of writing pipeline stories is to teach you the secrets that rich people have used to create and accumulate wealth for centuries. These secrets were once owned by only a few privileged people. If it's at 1900, even if you know these secrets, you probably don't have the cash and interpersonal relationship to play. But today's world is different.

Today, thanks to the development of science and technology, the increase of middle-class income and my innovative "electronic compound interest" business model, most people with high school education or above can create personal financial freedom through their own money, time and interpersonal relationships.

By following the strategies described in this book, you can also become a millionaire next door. Welcome to the rich community.

Your sincere friend.