Rational allocation of steady investment

Experts say that choosing a relatively stable investment tool that suits you, focusing on diversifying risks in various markets, making your asset allocation more appropriate, maintaining reasonable liquidity and profitability, is easier to find a secure, stable, happy and rich track. Therefore, financial experts believe that for most people, the more convenient and happy way to manage money is to choose a sound investment and financial management method.

According to financial experts, there are countless financial products for the public to choose from today. If we define stocks, futures and foreign exchange investments as high-risk investments, then fixed-income investments such as time deposits and house rents are defined as low-risk investments. Then, according to one's age, family structure and wealth status, a reasonable combination of high-risk and low-risk investment targets is adopted, which makes it easier to obtain stable income, preserve and increase the value of family wealth, and helps to improve the happiness index of investment and financial management.

Law 2:

Learn to protect wealth effectively.

According to a survey, two people with similar asset levels, one without risk protection and the other with risk protection, will obviously feel happier. For those who accumulate more wealth, the greater the risk, the lower the sense of security and the decline in happiness. So, wealth needs a wall? Firewall? Use it to resist property losses caused by unknown misfortunes such as diseases, accidents, birth and death. At least in the face of these difficulties, there is also insurance to give us financial support, so that our family assets will not be hurt too much.

Law 3:

Appropriately reduce income expectations.

In the survey, it is found that most investors' income is concentrated near the market average, and only a few people can really get much higher than the average. Therefore, if you put your mind at peace and aim to pursue the average market rate of return, it is often easier to achieve and more likely to produce happiness.

For investors who have achieved high returns in high-risk markets, they often regard this growth rate as the normal state and the pursuit goal of expected returns. They think that once they can't achieve the high returns in the past, they will have no sense of accomplishment and happiness. Therefore, it is an indispensable equation to adjust the pursuit of expected income target in time to realize happy financial management. No investment market can avoid fluctuations, and there is no market that only rises but does not fall. In order to realize happy financial management in the ups and downs of the market, the simplest way is to adjust the expected income target to the average income level of the market and reduce the expected income of financial management.

Law 4:

Have the ability to control wealth

Money is a tool to improve our living conditions. Only by mastering the ability to control the existing wealth can money become our loyal servant. There is an Italian proverb: Let money be our loyal servant, otherwise it will become the overbearing master. Money is a tool to improve our living conditions. Only by mastering the ability to control wealth on the basis of our disposable wealth and choosing the corresponding life according to our actual ability can money become our loyal servant.

At the same time, investment and financial management is not a simple matter, and it is essential to have corresponding knowledge and skills. Quite a few investors don't even have the basic knowledge of the stock market, so they rush to the stock market to play games, hoping to get rich overnight, and the result is naturally not optimistic. If you want to get your external wealth, you must first expand your internal wealth, so that you can seize the opportunity when external wealth comes.