Planning Jun organized a "21-day financial training camp for lazy people" some time ago, and every day he would spare an hour to answer various financial questions.

I have to say that some people are poor for a reason!

You could have saved money easily, increased your wealth easily and enjoyed a better life easily, but you just suffered a lot because you were "uneducated". . .

Don't believe me. Planning Jun summed up these reasons to see if you got caught!

1. Too conservative

A fan asked me, "Can a bank's 12-certificate of deposit expire without renewal? I feel that the interest is a bit low. "

after consulting, I found that this fan's financial management tool only has 12 certificates of deposit, and it has been deposited for several years. After each certificate expires, it will be deposited, and the monthly balance will continue to be deposited. A few years later, she realized that the interest rate was a little low and asked if she could not renew it.

Her original intention is to force savings, but I don't know that there are better ways to force savings, such as money funds.

At present, the benchmark interest rate for one-year deposits is 1.5%. Even after the banks float, it basically does not exceed the level of 2%, while the average rate of return of the goods base in the past three years is 3.4%, which makes it easy to earn 1.4% more every year. If you buy "Super cash treasure" with Planning Jun, 4% annualized is not a problem.

of course, we can't just talk about benefits, not risks. The risk of time deposits in banks is really low, but the risk of goods base is not much higher. Let's just say that if the risk is calculated according to 1 levels, the bank will be 1 on a regular basis and the cargo base will be 1.5 at most.

for more information about the cargo base, Planning Jun won't bother here. In a word, it is totally worthwhile to take a little more risks and earn a higher income. If you are too conservative, you will only be closer to "poverty".

2. Lack of common sense

A fan's question is this: "I have been afraid to buy funds. If the fund platform I bought falls, wouldn't my fund be gone?"

Even though Planning Jun has repeatedly emphasized that "the platform is only a fund issued by a fund company on a commission basis, even if the platform goes bankrupt and other problems occur, the fund still exists". This fan is still puzzled and continues to ask: "If the platform restricts cash withdrawal, can't my fund be redeemed?"

It's really not good to have no knowledge of financial management. Planning Jun has made painstaking efforts in financial management education for so many years, just to let everyone make less common-sense mistakes and delay the plan of "becoming rich".

funds are issued by fund companies with issuance management qualifications, and the platform is only for consignment, just like Gree makes air conditioners, and JD.COM just helps to sell them.

So, there is absolutely no need to worry about it. Even if the platform closes down due to poor management, the fund you bought is still lying in the account of the fund company.

3. Self-confidence

Compared with the previous two kinds of conservative people, there is a kind of person who is more terrible, that is, self-confidence, such as blindly investing in stocks.

a daily limit of 1%, why not stock?

this is a typical case of "only seeing the thief eating meat, but not seeing the thief being beaten". Just seeing the daily limit, you can't see the daily limit, and you don't understand the benefits and risks behind the stock.

even if you tell him that the stock market has always been "seven losses, two draws and one profit", he thinks he will be the lucky one.

but actually? The money earned by other investment products in one year is not enough for the loss of stocks. After one year, they are not only busy in vain, but also paying back money. Do you think it is getting poorer and poorer?

If you really want to participate in this high-risk investment, Planning Jun suggests that you should focus on the fund.

As an "expert financial management" tool, the management ability of fund managers is far beyond yours. Of course, fund screening and allocation is also a technical activity, so it's okay to learn more about funds with planner Jun.

4. Overdraft consumption

This is a message in a WeChat article the other day:

"A friend of mine borrowed less than 1, yuan from an unreliable online lending platform, and now the whole family is selling iron to help him plug a hole of 1, yuan."

eldest brother, you've met a usurer ~ you can't touch this thing.

In addition, Planning Jun has also sent many cases before, such as cashing in credit cards, borrowing money to buy lottery tickets, borrowing usury, etc., and letting himself get into debt quagmire through unrestrained overdraft consumption.

to stay poor, the most basic thing to do is to live within our means.

5. Neglect yourself

If you see this, you say that I don't have any of these problems, but my salary is relatively low and I don't have the skills to open up sources. How can I become rich?

the answer is simple, starting with "investing in yourself".

how big the snowball of wealth can roll is only related to two factors, the first is the amount of principal, and the second is the rate of return, and the principal is the basis of all financial management.

where does the principal come from? For most people, they can only earn by wages. If your salary is low, then change to a higher job; If your ability is low, try your best to improve your ability, and then strive for a promotion and salary increase.

there is no other way.

in short, if you want to be rich, you should be yourself first, and then add icing on the cake through financial management. Don't put the cart before the horse.

Disclaimer: The operation suggestions in the article only represent the views of the third party and have nothing to do with this platform. Investment is risky, so you should be cautious when entering the market. Deal accordingly, at your own risk.

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