Investment and financial management, a topic discussed by all the people in Xian Yi, is relatively corresponding, and everyone has his own tips and experiences. But specifically, the focus is on centralized cost protection, excellent financial habits, long-term persistence, effective forecasting, and avoiding high-yield traps. Today, I will sort out the financial management tips applied in daily life in detail.

1, distinguish between investment and financial management and project investment.

Many people equate investment and financial management with project investment. In fact, there is a big difference between the two.

(1) The perfection of project investment is the ratio of capital input to output. For example, we often use ROE when analyzing listed companies. In essence, we are all analyzing the company's ability to make money, while investment and financial management focus on the sustained growth of wealth.

(2) The purpose of project investment is to make relatively limited resources generate greater profits in the shortest time, and investment and financial management is an effective allocation of future cash flows. For example, investing in stocks is to make better money, while social endowment insurance plans to inject cash into itself in the future for different purposes. In other words, project investment focuses on appreciation, and investment and financial management focuses on appreciation.

Conclusion: This point must be clearly distinguished. You don't have to mistake the project investment for investment and financial management, and then transfer the financial planning. There is a great error between the forecast and the concrete, which can not reach the original intention of investment and financial management.

2. Grasp revenue and expenditure-cultivate bookkeeping habits.

The shaping of bookkeeping habits is the first step in investment and financial management. It is necessary to accurately know every expenditure and prevent such embarrassing things as "no income of 8,000+why there is basically no deposit in the Chinese New Year account this year". The key reason lies in the habit of not keeping accounts.

People are always willing to be comfortable. In the above example, 8,000 yuan per month+80% of the big cities in China can make their daily life more comfortable, and they don't feel nervous or rich, so they have a natural habit of saving money. In other words, their consumption and income are the same subconsciously.

Cultivate the habit of bookkeeping, check and analyze every once in a while, always remind yourself to deposit, and at the same time understand that you must control these levels. If you persist for a long time, bookkeeping will become a pleasure and a habit. Believe in yourself and don't think it is a trivial matter. I have no habit of keeping accounts. I didn't spend more than 7000 before (six years ago). Now you only need to pay 3000 yuan a month.

3. Avoid the trap of high return and use basic common sense and logical thinking to distinguish whether it is natural or not.

Since the reform and opening up in China, the wealth of the masses has been increasing day by day, and the middle class has risen. Therefore, many online financial service platforms are shouting various excuses, exaggerating and deceiving ordinary people to invest in financial management. Behind this situation, there is a common feature, that is, high returns. Generally, the annualized rate of return of 8% is the moral bottom line. What is more exaggerated is that there is a zero-risk return of 18%, and the service promises to be returned monthly. For example, this year's boss Lei, a large number of P2P service platforms run away.

Only by thinking with basic common sense can we know whether it is reliable or not. At present, the benchmark interest rate for medium and long-term loans of financial institutions is 4.85%. Even if the financial institutions improve to a certain extent, assuming that they increase by 30%, that is, 6.305%, and you make your service promise to make a profit of 10%, is it risk-free arbitrage when the mortgage loan is inconvenient for subsequent project investment? If it works, people all over the country won't have to work, so it's not beautiful for everyone to play this kind of asset mobile game.

4. Don't worry, get rich slowly.

If you want to make a person rich, you should use leverage. If you want to bankrupt a person overnight, please use leverage. Lever is a double-edged sword. Proper use can indeed lead to the result of getting rich overnight, but that is the deviation of survivors. Most levers are widely used. For example, Jesse Livermore, a generation of stock saints, committed suicide not so much because of bankruptcy and speculation, but rather because of gambling generated by leverage, which led to his hopeless speculative logic thinking. He bought and sold his life track three times and lost every time he succeeded.

In essence, investment and financial management takes time to make a profit. This long-term profit must be a zero-risk profit close to all social development, and there is a certain deviation in stages, but investment and financial management is a lifelong thing. Proper management decision only needs one mistake to make everything go to zero, and the problem is likely to be heavy debt.

5. The combination of investment and wealth management products has both liquidity and profitability.

In investment and financial management, it is necessary to combine long-term and short-term types. Generally, the longer the term of investment in wealth management products, the higher the income, the shorter the term, the lower the income, and the combination of length and length to achieve calm, risk and moderate income.

Everyone will need money urgently, so liquidity should be considered in investment and wealth management, because if many investment and wealth management products are redeemed in advance, the income will be greatly affected. For example, for five-year deposits, interest is calculated regularly, and the benchmark interest rate for loans is 2.75%, which is only 0.35% on a regular basis, a difference of nearly 8 times. Therefore, in investment and financial management, we must consider its duration.

6. Moderately participate in various online and offline theme activities.

At present, all economic development zones are in the middle and rapid promotion zone, and the promotion expenses in all fields that are not promoted online and offline are slowly rising. Every field and investment and financial institutions will also have marketing and special offers one after another, so you can participate at this time. For example, Alipay wallet docked with the money fund at 20 13, and the profit once reached more than 6%. This is a marketing subsidy for the service platform. For example, in order to collect deposits better, small and medium-sized banks in Jin Dong Finance can only deposit these, and the profits of the released places will reach 5.88% in five years. This is indeed a real privilege and benefit, and they can participate in investment and financial management moderately.

All in all: investment and financial management should combine safety factor, liquidity and profitability, and at the same time combine their own cash flow rules, long-term persistence, and will certainly get unexpected joy. Finally, note that we must persevere and not be confused by short-term ups and downs.