First of all, let's talk about a misunderstanding here, that is, many people set the annualized income target too high, such as doubling it, the more the better; Earn at least 50%, buy a car, etc. You know, Warren Buffett's average annualized income over the years is just over 20%. How do you feel compared with Buffett? Therefore, the first step is not to set the income too high, it is most important to suit yourself, and avoid arrogance.
We can refer to the yield of the money fund, which is about 4% at present, so our financial management goal must at least exceed the yield of the money fund.
Let's take a look at the Shanghai and Shenzhen 300 Index. Since June 65438+February 3, 20041,the annualized rate of return of the Shanghai and Shenzhen 300 Index is 10.86%. When we say outperform the market and outperform the index, we mean the Shanghai and Shenzhen 300 Index. Therefore, 10.86% is our practical financial income target.
At present, the annualized rate of return of money funds and term products is lower than 10%, while that of money funds is 4%~5% and the term is about 5%. The annualized rate of return of P2P platform is close to 10%. Office workers can usually invest in stocks, futures, foreign exchange, gold, reverse repurchase and so on. The first three have high returns and high risks. In fact, most people don't make any money in stocks, futures and foreign exchange. In addition to professional knowledge, their requirements for human nature are very high, and it is difficult for ordinary people to go in and out calmly.
Don't think that 10.86% is small. Getting a rate of return that exceeds the market is actually a victory, and it is also the average rate of return of the market. If the market yield is negative this year, if you can still get 10%, it means that your financial management level is not low.
Since there is no 10% low-risk financial products, it is more or less necessary to add high-risk financial products such as funds and P2P to financial projects. These two are more suitable for office workers to manage their finances. After all, the most important thing for office workers is their own work, and income growth is the most practical. Investing in stocks is not recommended here. Anyone who can make profits in the stock market for a long time has made unimaginable efforts and hardships.
According to statistics, in the past 1 1 year, the average annualized rate of return in Public Offering of Fund reached 19.2%, which is quite excellent all over the world. Many people think that the reason for losing money in buying funds is actually that they are not sure about the buying and selling points and have not selected high-quality funds. This requires investors to study more and pay more attention at ordinary times, and it is casual to have no good return.
When choosing a fund, you can browse the fund rating website. According to the team, fund manager, investment style, past performance, etc. Even Alipay has some ways to choose funds. Don't listen to other people's advice without independent thinking. Only by continuous learning can you hope to achieve or surpass your financial goals.
On the eve of holidays, the market often makes the reverse repurchase rate of government bonds soar because of lack of money. You can usually pay attention to this. In this case, you can buy boldly for only a few days, but it is very safe.
If you have to invest in stocks, you can't, do a good job of research, bargain when you buy food, and can't buy more snacks when you buy stocks? Set a stop loss line, don't be reluctant to sell, it is most important to keep the principal.
Make a reasonable financial income goal that suits you, keep learning, stick to financial management, and leap towards the goal.