For different people, the standards of financial freedom are different, so there is no need to dwell on the standards set by others.
How much money can we achieve financial freedom? Experts and institutions give different answers, some say 200 million, some say 65.438+0.2 billion, and some say 80 million. But after all, everyone's living expenses are different, daily expenses are different, and the standards for realizing financial freedom are naturally different.
Combining the definition of financial freedom, it is more reliable to tailor the standard of financial freedom for yourself. The so-called financial freedom means that you don't have to rely on labor income, but only rely on passive income to support your daily expenses. This state is to achieve financial freedom.
For example, if your daily expenses are kept at 8,000 yuan per month, then when your passive income such as rent, stock, deposit interest and patent income reaches more than 8,000 yuan per month, you can say that you have reached a state of financial freedom.
Of course, if another person's daily expenditure is 20,000 yuan per month, then his passive income must exceed 20,000 yuan to achieve financial freedom.
There are still several places to pay attention to. First, this passive income must be sustainable, and second, your property should grow steadily.
Can the fixed investment of the fund help us achieve financial freedom?
Again, it is possible in theory, but it is difficult in practice.
We must first understand what factors determine the return of the fund's fixed investment. Generally speaking, there are three most important points, one is the duration of the fixed investment, the other is the amount of funds invested each month, and the third is the rate of return of the fixed investment of the fund.
Generally speaking, the longer the fixed investment time, the more the monthly investment principal, the higher the rate of return and the higher the final income.
From the time point of view, if the monthly fixed investment is 1000 yuan and the yield is 10%, what is the difference between the fixed investment of 10 and the fixed investment of 30 years? 10 gross income 2 10000, 30 gross income 2 17000.
Let's look at the impact of monthly fixed investment. We set the fixed investment time as 20 years and the yield as 10%. When the monthly fixed investment is 1000 yuan, the income is 750,000 yuan; If you invest 3,000 yuan a month, the income will be 2.26 million.
Looking at the impact of the rate of return, we set the fixed investment time as 20 years, with a monthly fixed investment of 1 1,000 yuan. When the yield is 10%, the total income is 750,000, and when the yield is 15%, the income is1410,000.
We can see that the fixed investment time, fixed investment amount and yield have great influence on the final income, and even the poor result makes people feel incredible, which tells us that if we want to get more income, we must start fixed investment as soon as possible and use time to increase income; Either invest more every month and increase your income with the principal. As for the yield, we can't control it. We can keep it around 10%, and the income is considerable.