invest or not do small business.

About financial investment:

You must have heard of the "28" theory in investment, which means that 2% of the people earn 8% of the profits, and you must not be willing to be the 8% trapped. The financial market is changeable, which can be said to be a cruel market, and it is not easy for ordinary individual investors to make a profit because they lack the advantages of funds and information. So many investors have such a question, "What is the best investment?" Here, I recommend the investor fund as a financial investment product. No matter you are a young migrant worker with little experience and little capital, or a senior retail investor who has no time to manage money, through the fund, you will have the opportunity to obtain equal profit opportunities with institutional legal persons and large households.

With the gradual opening of the domestic financial market, more and more investment tools are available for individual investors to choose from, besides stocks and funds, there are also various bonds, capital preservation investment tools and so on. But it is very difficult for people who have only tens of thousands or even less than 1 thousand yuan to invest in stocks and some new investment tools. Because the minimum investment threshold of various new financial instruments is very high. The same is true for stocks. If you invest 2, to 3, yuan to buy stocks, you will be lucky to buy a blue-chip stock. If you want to diversify risks, it is almost impossible. You can't spend 2, to 3, yuan to buy dozens of stocks to diversify!

every investor should focus on his own expertise. Instead of racking their brains to analyze the market, it is better to put the money on the excellent fund managed by the professional investment team. This is the first step for "people without money" to accumulate assets.

The second step is to allocate assets well. You can follow the principle of 1, and subtracting your age from 1 is the proportion that you should invest in more aggressive investment tools, such as partial stock funds. For example, if you are 4 years old now, the proportion of your investment in partial stock funds or stocks can account for 6% of your investment amount, and the remaining 4% should be invested in sound investment tools, such as time deposits, national debt, money market funds, etc. Of course, this principle is relatively universal and initial. Everyone's situation is different, and the market situation is constantly changing. We should constantly adjust the asset allocation according to these conditions.

the third step is to find a way to buy and sell in time. Online trading of funds can easily do this for you. Many investors have encountered this situation, that is, the net value of the fund has fallen to its own buying price with the broader market, but they are busy with their work and miss the investment opportunity. Now, as long as you open online trading on the fund company's website and set the conditions for subscription or redemption, you can let the computer help you monitor it. As long as the conditions are established, the subscription/redemption instructions you set can be automatically executed, so as to seize every rare market opportunity.

in the fourth step, the "people without money" investment fund may not be able to invest a lot of money at one time, so it may be most appropriate to use a regular quota. The starting point of regular quota is low, and the minimum investment for each period is only 5 yuan. In addition, regular quota is a long-term investment process, which has the function of dispersing time points. When the market is poor, you will buy more fund shares. When the market is good, you may buy less fund shares. Overall, the rate of return may be higher than that of one-time investment, which has the opportunity to provide investors with a long-term stable return. Similarly, you can also use fund electronic trading to easily realize the setting and operation of regular quota business.

I hope all "people without money" can create more wealth for themselves through successful financial management. (Shangtou Morgan Fund Management Co., Ltd.)

A friend, it's been a long time, I think it's been three or five years. When he came in, he suddenly called me and asked me to eat Ayi abalone or three-headed abalone produced in Japan. He asked the reason and replied, "The domestic economy is developing rapidly, and the A-share market is growing by leaps and bounds. It's hard for my brother not to make money."

In the past few years, China's stock market has hit record highs, which is astounding. For example, the Shanghai Composite Index soared from less than 1, points in mid-25 to more than 6, points. In more than two years, it has increased sixfold, and the number of Shenzhen Component Index is not too high. On the other hand, with the sustained and rapid economic growth in China, the prices of other assets have also soared. Property prices in many big cities have doubled in a few years. With the continuous boom of the domestic stock market and property market, all the people in the streets and lanes, whether they are rich and powerful, or pawns, often talk about stocks and classics, and return on investment. Some people even talked about the compound interest effect of investment. According to the annual investment income of 15%, the 1, yuan invested today will be 66, in 3 years, and the annual income of 25% will exceed 8 million. They are excited about the birth of another Buffett.

It is inevitable that some people will feel dejected and shake their heads and sigh. Because they are short of money and have no more spare money to invest, they think they have missed the investment opportunity. Most of the people here are young people who have just entered the society. They don't have much savings, so they have to watch the hot investment market and lament that heroes are useless.

If someone tells you that you can invest even if you don't have money, you will even get a good return. You may laugh it off and disagree. However, this is a fact, not a mystery.

first of all, we need to generalize the concepts of capital and income. The real meaning of income is not a pile of colorful paper money, but the significance of paper money is that it can be used as a medium of exchange to exchange all kinds of goods that people finally need and buy all kinds of services they need. As the great economist Irving Fisher, the originator of modern investment theory, said, "Money is useless before it is spent. The final salary is not paid in money, but in the enjoyment bought by money. Dividend checks become the final income only when we use them to buy food, clothes or cars and then enjoy them. "

in other words, those things that bring us real enjoyment are the food that makes people's fingers move, the houses with reasonable layout and beautiful environment, the comfortable clothes, the beautiful mountains and rivers, and the beautiful music. These things, or can satisfy our appetite, or can open our eyes and make people enjoy their sight and hearing, which is the real income. And the capital you have now is the discount of these incomes in the future. We buy stocks, futures, bonds, invest in the property market and shops today, in the final analysis, all in exchange for these direct income. It is precisely because of this that we should understand that what can bring us income does not necessarily need to be exchanged with a lot of money. It is even said that there are some things in it that no amount of money can exchange.

luxury villas and luxury cars are easy to get, but sincere friendship, happy family, beautiful music and gorgeous articles are hard to get just by money. And these things can bring us a steady stream of income. Soon after entering the society, young people who lack spare money can focus on these things.

For example, you can study hard, read and write more, and learn English well when others spend a lot of time choosing stocks and buying funds. And the rewards of learning a language well are believed to be understood by many people, because they will see it in their lives. Those who are proficient in English can be translators and professional teachers, and they earn a lot of money. Even if you don't reach this level, as long as you reach a level of fluency, as a career aid, it is not difficult to find a job in a foreign company and double your current income. We should also know that in today's deepening globalization, learning another language, no matter what job it is, means more opportunities. The same is true for Chinese. Spending some time every day to learn some ancient poems and prose also has similar rewards. In stock jargon, a language is actually a very good potential stock, which is suitable for long-term investment. If you stick to it, the return will naturally be high.

With more choices, you can learn how to appreciate classical music. Concentrate on calming down and read more good books; Make a few friends, have a cup of tea and talk about the past and the present. These are real investments, which mainly spend your time. What's more important is that, similar to investing in art, you also get income at the same time: you can feel the nobility and elegance in classical poetry more and more, appreciate the wonderful melody in classical music, be surprised and happy when guests come from afar to cut the candle at the west window from time to time, and feel the value of knowledge exchange and friendship.

therefore, instead of complaining about poverty, it is better to spend some time and energy to make these investments. They can make your cultural quality and appreciation ability by going up one flight of stairs, and these qualities and abilities will have tangible returns under the free market. Moreover, the more open and civilized the times and society, the higher the return rate of knowledge and art will be.

One yuan a day for financial management

In the financial market, the most important reason for financial management is that capital will always be rewarded. Even if you have failed in math all the year round, or you are very insensitive to numbers, or even dizzy at the sight of financial statements-but if you are going to start your personal financial planning today, I still have a way: one yuan a day.

Many friends ask me: If you don't work and have no food, you won't go hungry if you don't manage your money, right? My answer is "not necessarily".

Here is a simple calculation: If there is a 3-year-old uncle and a zero-year-old child, how much will it cost for such a family of three to meet the basic needs of this family during the long 3 years?

For a family of three, every person eats every day plus all kinds of expenses, 3, yuan a month should be the most basic, which is about 1.8 million yuan, which is beyond doubt;

the down payment is 2, yuan, totaling 8, yuan-in Beijing, this is a very cheap house, and you can only buy places outside the Sixth Ring Road;

if you buy a car, you should buy at least two cars from the age of 3 to retirement, which costs 3, yuan. Plus the annual car insurance, gasoline and other expenses, totaling 7, yuan;

Raising another child, excluding studying abroad in the future, will cost at least 4, yuan from birth until graduation from university, according to the standards of big cities like Beijing and Shanghai.

that's almost 3 million yuan. We have to support our parents, including four elderly people ... At present, the figure recognized by the industry is 4.8 million yuan. If you only rely on your monthly salary, it should not be very low according to the current monthly family income of 1, yuan, so you need-if you earn enough 4.8 million yuan, it will take just 3 years. What about life after 6?

this is the meaning of financial management. If you don't make good financial planning, not only will your wealth leave you one day, but even the most basic living conditions will not be satisfied and realized.

the so-called financial management is the pursuit of long-term and stable income. A comprehensive financial management, the first concern is capital and capital. Financial management and investment cannot be equated. What strikes me most is that many relatively professional media often have a concept that is not clear-more people talk about financial management as investment, and what kind of investment is better-in fact, "investment" is not a real financial planning.

hasty investment behavior is sometimes more like gambling: if you win, your goal will be achieved; What if it doesn't work? There are only two situations in life-or you have no wealth; Or you are knocked down by wealth. Real family financial management, the first thing to be implemented is to ensure financial security. Only by achieving financial security can we meet other financial needs and finally pursue financial freedom, so as to enjoy the happiness of real life.

Comprehensive financial planning is a huge topic. Simply put, perfect financial planning includes the following contents: first, set financial goals; Secondly, manage assets and debts; Then carry out the management of family risks; Then there is the combination of investment projects; It also includes reasonable tax avoidance, good wealth transfer plan and so on.

the reason for financial management is also very simple: in the financial market, the most important reason is that capital will always be rewarded. As long as you have surplus assets, after reasonable operation and planning, you will certainly get more new funds. On the other hand, if you spend more money than you earn, the final result of your financial situation will be terrible. If you can't restrain yourself effectively now, or start to reduce your debt, financial planning is out of the question.

Even if you have failed in math all the year round, or you are so insensitive to numbers that you even feel dizzy at the sight of financial statements-but if you are going to start your personal financial planning today, I still have an idea: one yuan a day.

I don't believe anyone can't save one yuan a day-you can still make amazing financial achievements with such a small investment. Assuming that the annual rate of return is 1%, a zero-year-old child will save him one yuan a day and leave it there forever, or buy some better fund products. If the annual rate of return can reach 1%, calculate that after the child is 6 years old, when he needs to retire, the money will become 2 million yuan.

actually, this financial management rule is known to many people. If the yield is 4%, your assets will double in 18 years. In other words, the 1, yuan in hand at the age of 29 will become 4, yuan at the age of 47; If the rate of return can be increased to 12%, your funds will double in six years. However, there is a premise here: first, you should ensure such income every year; Second, you can't use this fund in any year.

some time ago, I always heard that someone even sold his house and put all his assets on it to make an investment-this is the most undesirable thing. Because you can't guarantee that the money won't be used for a long time, but it can be achieved if you make an effective plan and come up with reasonable funds.

financial management needs to start from keeping money, and learn to manage money.

after graduating from school, I worked as a clerical worker in a company, with a monthly income of only 2,8 yuan, but I didn't tighten my spending because of this. I believe in "drinking today and getting drunk today", and saving money for the unknown tomorrow is not attractive to me at all.

However, with the rise of prices, money always flows away inadvertently, especially after meeting a girlfriend. Going out to a restaurant, watching a movie and going shopping is a few hundred yuan a week. So I became a typical "moonlight clan".

Frankly speaking, I don't think I'm extravagant. Many expenses belong to the necessary category in my opinion. In the first few months, I often spent a month's salary half a month ahead of schedule. It has become a common practice for me to overdraw my salary for the next month by credit card in the second half of the month.

Until last year, I made up my mind to get married with my girlfriend in the last two years. Although my parents have bought a house for my marriage, my girlfriend hopes to buy a car after marriage because of the geographical location. Of course, we also plan to have children. As a result, both friends and family members began to urge me to save some money and manage my finances.

I always thought that financial management was the business of the rich. I never thought that the poor should also manage money. My girlfriend advised me, "Let's start with simple saving." She even offered to eat out less and buy less things in the future, which moved me very much. In order to live up to her, I made up my mind to pass the saving first.

I began to cultivate the habit of bookkeeping.