Young people have the concept of financial management, which is very worthy of recognition. At present, the stock market is hot, so don't fantasize about becoming a stock expert.

Really. For ordinary people, adhering to the long-term principle, being friends with time, believing in the magic of compound interest, and making wealth snowball and get rich slowly are the underlying logic of financial management and the kingly way for ordinary people to realize financial freedom.

Buffett once said that the best way for ordinary people is to invest in index funds. Judging from the development history of the stock market in the past hundred years, the average annualized rate of index funds exceeds 12%, outperforming most professional fund managers. Therefore, if you insist on investing in index funds, you can outperform most people. The reason is that simple. But the problem is that most people are not getting rich. That's because everyone wants to make quick money and get rich quickly, which is the underlying logic of most people living in poverty.

Ordinary people should not be fooled by financial economists and financial managers, and empty your empty bag when they are confused. The capital market is originally a zero-sum game, and the money earned by financiers and wealth managers is the money of leeks.

Give a small example. Is it scary for fund managers to boast that their annualized rate of return is 50%? In fact, it earned 100% in the first year and fell by 50% in the second year. He said that his annualized rate of return was 50%, which seemed fine. If you think about it with your knees, you will know that he is fooling you. 10 yuan is 20 yuan when it rises 100% in the first year and 10 yuan when it falls by 50% in the second year, with an average annualized rate of 0. Therefore, looking at the level of fund managers, tripling in one year is not a skill, but doubling in three years is a master.

Take this example, just don't be confused by the dazzling basic terms. With a little knowledge, half a bottle of vinegar will collide, and you will fantasize that you are a stock god and an investment expert, and money will flow into your home. Anyone who has this idea basically gives money to others. Some people fantasize that they can catch dark horses twice a week. If you have this ability, according to the quadratic multiple formula, in a few years, all the wealth in the world will be sucked dry by you alone.

So ordinary people can manage their finances according to the simple logic at the bottom. The road is simple, and the simplest law of human nature and the development of things is truth. For example, Buffett said that he was greedy when others were afraid, and he was afraid when others were greedy. In the past, real folk experts came to the conclusion that it was basically right to buy stocks when the tea eggs at the door could not be sold, and to sell stocks when the tea eggs were in short supply. When it falls badly, when nobody is in charge, you buy it, and when others rob it crazily, you sell it to them without using any financial terms. This is the basic logic of human beings.

Ordinary people's favorite financial management methods are stock trading and fund raising. Why? Because stock trading and fund-raising are the only "battlefields" for ordinary people, which are similar to legal "casinos" and the only place where they have the final say. Most likely, it is where you lose money, but everyone likes to play. This is because almost everyone thinks he is smarter than others and is the king on the battlefield. When they say a set of terms, I usually turn my head and leave. This man will lose his shorts.

I used to think highly of myself. I graduated from a famous university, but I still can't beat that old man. Want to empty the banker's empty bag, stock trading for more than ten years, and make a small profit. Compared with the wasted time and energy, it really doesn't make sense. I advise you not to learn the so-called theory, terminology, K-line and other knowledge. Really, you can't play with bookmakers and human nature. It is better to give up these so-called terms, skills and news and be a fool-like financial manager.

First, learn how to allocate assets. No matter how much money you have, don't gamble. Put all your eggs in one basket. For example, bet all your savings on a dark horse. You must know that if there is a word, do Murphy's Law. Bad luck is bad luck. Ordinary people can be divided into four parts, real estate, a good stock portfolio, index funds, bank security wealth management products (rich people can also configure trusts, sunshine private placement), plus a little emergency living money, which is very good. Be a friend of time, a friend of compound interest, and get rich slowly.

Second, if you have the strength, invest in real estate in the core areas of first-tier cities. Now the excess banknotes are flooded, and the structural depreciation is very severe. The real estate in the core area can appreciate on the basis of maintaining the value, even if it does not rise sharply, it is also the safest way to maintain the value. It can be allocated to about 40%, and it is also the lowest fixed asset of the wardrobe.

Third, to speculate in stocks, we must have a heroic heart to wander the rivers and lakes. Then, you should not get 30% of the money to speculate in stocks, not more than 30%. The risk of stocks is that they can really fall to the bottom of underwear. 100 yuan stocks finally fell to a few cents or even delisted. Are there still few such examples? If you want to make quick money and have no ability to choose stocks, don't listen to gossip. Just focus on what a few good fund managers allocate, and allocate it in proportion. Don't gamble, because you can't afford to lose. One failure will hurt your vitality.

4. Allocate index funds and industry partial stock funds. Index funds, choose a few general index funds, hold them for a long time, buy them every time they fall, don't buy or sell them when they rise, buy them when they fall badly, and don't buy them when they rise. If not, invest in index funds. Don't dislike making money slowly. In a few years or ten years, you will know that index funds are slow cattle. First you don't owe money, then you make money. If you play the stock market, you may lose all your money. If you have the courage to increase leverage, you may even pull down the famine. If you still have the energy and ability, how to choose a few partial stock industry funds? It is better to stare at the top ten fund managers, observe them for a long time, trust them, and then follow suit.

As for other investment methods, such as insurance, antiques, equity, jade and so on. You are not a genius in the industry, don't get involved in that muddy water. Save some living expenses for emergencies and earn some interest by the way. ?

Isn't that how ordinary people get rich slowly and steadily? You despise this answer, so can you get rich? So, to put it simply.

If you buy an index fund at the highest point of 20 15 and make a fixed investment every month, the total yield has exceeded 50% or even 70% so far. If you buy this stock at the highest point, you may lose more than 50%. If the fixed investment takes a long time, it will level the cost. Once the stock market rises slightly, it will be profitable, at least not owing. But you bought a bad stock, which may have been delisted. Of course, you would say that you bought a dark horse, which may have gone up by 300%. If you rely on luck, it may take ten or twenty years to know the law of large numbers-the probability of losing money is high.

Suppose you allocate assets according to the above structure now, your base is 6.5438+0 million yuan, and you invest 6.5438+0 million yuan every year. In other words, if you have spare money, invest at an annualized rate of 654.38+02%. Ten years later, twenty years later, thirty years later, maybe when you are 45 years old, you may realize your financial freedom.

Don't ignore the magic of time and compound interest, it will snowball wealth. If you don't do this, just ordinary deposit management, then your wealth appreciation may underperform the depreciation rate. Why invest in real estate in the core areas of first-tier cities? Even if the capital market is good, do you still have strong real estate for you? Having a good property in your hand makes you full of confidence. This confidence can also support the long-term investment of your other portfolios. Without the bottom things, your long-termism may be shaken.