It has at least the following meanings:
First, compulsory savings, get rid of the moonlight.
We often feel that we can't save money, but we never think about why we should save money. In fact, most of us can't save money because we haven't started yet.
If you invest in 10 yuan every day from now on, you can have 300 yuan's savings at least one month later and 3,600 yuan a year later. The money is tangible.
If you spend this 10 yuan every day, the quality of life will not be improved because you spend more 10 yuan, and your life will not be greatly reduced because you spend less 10 yuan every day.
Although the accumulated 3600 yuan a year is not much, it can at least get rid of the moonlight and realize one of your wishes.
For example, leave after a trip, buy yourself a favorite gift, buy a set of high-end clothes for your parents and so on. It can be seen from this point that it is also meaningful to deposit 10 yuan every day.
Second, develop good investment and financial management habits.
Invest 10 yuan every day, whether it is a low-risk money fund or a high-risk stock fund.
At least through this 10 yuan, you feel the charm of fixed investment.
For example, even high-risk equity funds need not be afraid of losing too much.
In the process of fixed investment, you can also learn a lot about investment and financial management, such as why the income from investing in money funds is so small? Although investing in stock funds fluctuates greatly, the probability of making money is also great.
From the investment point of view, there is not much loss in investing in 10 yuan every day, thus forming a very good investment and financial management mentality.
After all, the most important thing in investment and financial management is mentality. If you have a bad attitude, you are more likely to lose money.
However, through this 10 yuan, we have exercised our mentality of investing in financial management, and after investing more money, our mentality will be more stable. Better understand the risks of wealth management products, so as to make correct decisions.
Third, the snowball effect.
Spend 10 yuan, which won't help you much. After all, if you earn 10 yuan, you don't know where you will go after spending it.
After the fixed investment, through the compound interest effect, under the condition of annualized rate of return 10%, adhere to the fixed investment for 30 years. Guess how much more principal and interest you can get in the end?
To everyone's incredible, a total of more than 620 thousand principal has been accumulated.
This is the snowball effect. After using 10 yuan's funds for continuous compound interest investment, the snowball will get bigger and bigger, thus obtaining more principal and interest.
After 30 years, 620,000 yuan may not be a lot of money, but it can solve the urgent need at a critical moment.
For example, you have no other savings in the past 30 years, and this 10 yuan only accumulated inadvertently.
At this time, this 620 thousand has played a major role, at least to ensure your daily expenses after 30 years.
So don't think it doesn't make much sense to invest 10 yuan every day. After the analysis of CreditEase, you will find that it is very meaningful to invest in 10 yuan every day.
Buffett once said that if you want to snowball, you should find wet snow and longer slopes. When we have long slopes and wet snow, then your snowball will roll bigger and bigger.