1. Save money: If you earn one and spend two, you will remain poor all your life.

Many people say it is impossible to force 10% of the money to be deposited in the bank every month.

So if your company is not running well, the boss will cut expenses and give you two options. The first is to fire you and compensate you for two months' salary. The second is to reduce your salary from 1,000 yuan to 900 yuan. You

Which option is acceptable?

99% of people can accept the second option.

Then you make a compulsory savings for yourself, and deposit 10% of the money directly in the bank after sending the money. If you don't take this step, you will never have money to spend.

2. Generate money: funds, stocks, bonds, real estate 3. Protect money: There are unpredictable circumstances, and no one knows what will happen, so you must buy insurance for yourself. Insurance is an important means of financial management, but it is not everything.

Making money is like digging a well to inject a steady stream of water into your reservoir, but drilling a well is not enough, you have to build a dam for the reservoir - accidents, hospitalizations, serious illnesses.

An example of losing everything because of hitting someone with a car.

An example of flying: I sometimes need to fly ten times a month. Every time the plane takes off and lands, I put my hands together. I don’t believe in anything, I just feel that my life is in my control again, because in

God knows what will happen.

So every time I take a plane, I buy an accident insurance of 88 yuan covering 500,000 yuan. This is the love and responsibility for my family. This 500,000 yuan is enough for my wife and children to live for two years, and she can remarry in two years.

*One center, three basic points: managing money as the center, saving money as the starting point, making money as the focus, and protecting money as the guarantee.

3. How much does it cost to start treatment?

No matter how much, if you save 100 yuan a month to buy a fund, if you save from the age of 20 to 60, it will be 637,800 yuan; if you save from the age of 30 to 60, it will be 220,000 yuan; if you save from the age of 40, it will be 70,000 yuan; if you save from the age of 50, it will be 20,000 yuan.

Money begets money and is a long-distance runner. Financial management must start from a young age.

The nature of money: If you don’t love me, I don’t love you.

Girls must be self-reliant and rely on everyone to run.

4. How to allocate assets: A personal reservoir should be divided into three parts.

The first portion: emergency money, living expenses for 6 months to a year.

Deposit with a bank, current account, time deposit, or money market fund.

The second portion: life-saving money, living expenses for three to five years, fixed deposits, national bonds, and commercial pension insurance.

It should be something that guarantees no loss and only adds more but not less.

The third part: spare money, money that has not been used for five to ten years. Only this kind of money can be used to buy stocks, funds, real estate, or start a business with friends. To make this kind of investment, it must be spare money.

.

For salaried workers, income mainly comes from two sources - work income and financial management income.

Once you have the capital for financial management, you cannot rely solely on work income. You should gradually increase the proportion of financial management income in total income.

If you start managing money early, you will have the opportunity to retire early and enjoy life. The following "financial management equation" can give you some inspiration: Financial management equation = 50% steady defense + 25% steady attack + 25% strong attack.

50% Steady First, put half of your savings in bank deposits or treasury bonds. The purpose of this money is not to increase income, but to protect capital and avoid exposing wealth to uncontrollable risks.

In addition to deposits and treasury bonds, you can also pay attention to other low-risk financial products, such as RMB financial products and money market funds. The principal of investing in these financial products is safer. Although the yields given are all expected yields, there is no absolute guarantee.

Guaranteed, but in fact the range of yield fluctuations is not large.

25% Stable Attack For the stable attack part, people with certain investment and financial management concepts can choose some financial management products with less volatility and more stable returns, such as hybrid funds, large blue chip stocks, etc., and pursue an annual return rate of 5% to 10%.

% varies.

However, you need to do some homework before investing to select good stocks and funds; you also need to have the concept of an investment portfolio to reduce risks through diversified investments.

25% Strong Attack As for the strong attack part, it is the most exciting part of investment and financial management, such as growth stocks, stock funds, futures, etc., where people have the opportunity to earn 10% in a month, and they may also lose 10% in a month.

Investing in these high-risk, high-yield financial products requires a very high threshold of knowledge and experience. For salarymen who are not good at investing, it is best to start with a steady attack method, and then join in after gaining some investment experience and skills.

Attack a group of people to pursue higher yields.

It should be pointed out that the offensive and defensive proportions of the "Financial Management Equation" can be flexibly adjusted, which mainly depends on personal risk tolerance and financial management goals. If you can bear a certain risk and have no large capital expenditure plans in the short term, you can increase the offensive part.

proportion, but it is recommended that the proportion of this part should not exceed 50%.