Personal finance refers to making a reasonable personal finance plan according to the financial situation and participating in investment activities appropriately. Personal financial investment includes: stocks, funds, national debt, savings and so on.
catalogue
The definition of personal finance
1. People's wealth management
Step 2 do it in detail
investment
4. Objectives
5. The impact of personal finance on financial situation
6. Financial planning of personal finance
7. KISS Rule of Personal Finance
8. Personal finance
Realization rate of financial management
Financial freedom
1. Investment direction of personal finance
2. Put forward ten suggestions on personal finance:
3. Several aspects of personal financial success:
Top Ten Personal Financial Advice
How to choose a personal financial planner
How to make a personal financial plan
Four tips for white-collar financial management
1. The first measure: management based on salary balance.
2. the second measure: use the phone and the internet more.
Step 3: Make rules for yourself.
Step 4: Skillfully use several bank cards.
The Development of Personal Finance in China
1. The development of China
1. Book information
1. Basic information
2. Content introduction
Book information
1. Basic information
2. Content introduction
3. Editorial recommendation
4. Content
5. Summary
2. Book information
1. Basic information
2. Content introduction
3. Content
4. Try reading some chapters online.
Financial management software
The definition of personal finance
1. People's wealth management
Step 2 do it in detail
investment
4. Objectives
5. The impact of personal finance on financial situation
6. Financial planning of personal finance
7. KISS Rule of Personal Finance
8. Personal finance
Realization rate of financial management
Financial freedom
1. Investment direction of personal finance
2. Put forward ten suggestions on personal finance:
3. Several aspects of personal financial success:
Top Ten Personal Financial Advice
How to choose a personal financial planner
How to make a personal financial plan
Four tips for white-collar financial management
1. The first measure: management based on salary balance.
2. the second measure: use the phone and the internet more.
Step 3: Make rules for yourself.
Step 4: Skillfully use several bank cards.
The Development of Personal Finance in China
1. The development of China
* 1. Book information
1. Basic information
2. Content introduction
* Book information
1. Basic information
2. Content introduction
3. Editorial recommendation
4. Content
5. Summary
* 2. Book information
1. Basic information
2. Content introduction
3. Content
4. Try reading some chapters online.
* Financial management software
launch
Edit the definition of personal finance in this paragraph.
Baixing wealth management
Ordinary people, that is, want to use a few dollars in their hands to earn a few interests with the help of bank savings, or participate in the repurchase of government bonds with slightly higher interest rates, and then participate in the trust financing guaranteed by banks, but it seems that the threshold is higher (starting deposit is 50,000). Buying government bonds is also a good idea. If your money can be fixed for a long time and can be called capital, then you invest in long-term national debt. It's best to set a deadline for yourself. Suppose it is three years, then you can buy some every month according to the national bond issuance plan. After a long time, it is best to form a rolling cycle. If you persist for three years, you will enjoy a higher monthly interest rate. The key to financial management is to plan and use funds reasonably, so that limited funds can play the greatest role.
Do a good job in details
Specifically, we should do the following:
1, learn to cut down. The salary is limited, so you should save unnecessary money. As long as you save, you can still save a considerable income a year, which is the first step in financial management.
2. Do a good job of open source. With the extra money, it is necessary to use it reasonably, so as to preserve and increase the value and produce greater benefits.
3. Be good at planning. The purpose of financial management is not to make a lot of money, but to ensure or better life in the future (so financial management is not only for the rich, but also for the working class). Being good at planning your future needs is very important for financial management.
4. Reasonably arrange the capital structure and seek the balance between actual consumption and future income. This part of the work can be commissioned by professionals to design for themselves for reference.
5. Consider the rate of return according to your own needs and risk tolerance. A high-yield financial plan is not necessarily a good plan, but a good plan that suits you, because the higher the rate of return, the greater the risk. The scheme that suits you is the one that can achieve the expected purpose and has the least risk. Don't blindly choose the scheme with the highest yield.
investment
Remember: the purpose of your financial management is not to make money. An activity aimed at making money is called investment!
The first step is to review your assets. Including stock assets and expectations of future earnings, knowing how much money can be managed is the most basic prerequisite.
The second step is to set financial goals. It is necessary to define the financial target qualitatively and quantitatively from the specific time, amount and description of the target.
The third step is to find out what kind of risk preference. Don't make the assumption of risk preference without considering any objective situation. For example, many customers put all their money into the stock market without considering parents, children and family responsibilities. At this time, his risk preference deviated from the range he could bear.
The fourth step is to allocate assets strategically. Do asset allocation in all assets, and then choose investment varieties and investment opportunities. The core of financial planning is the process of matching assets and liabilities. Assets are previous stock assets and income capacity, that is, future assets. Debt is a family responsibility, supporting parents, raising children and sending them to school.
target
The second is the goal, which has become our debt. To have a high-quality life and dynamically match your assets and liabilities is the core concept of personal finance. It can be seen that financial planning should be necessary for everyone, not current assets.
The Influence of Personal Finance on Financial Situation
Personal financial situation includes: personal income and expenditure, assets, debts, tax burden, insurance, etc.
Financial planning of personal finance
Items of living expenses: marriage, children (including children's education), supporting parents, and providing for the elderly.
medical treatment
house
travel
movable property
Non-recurrent expenditure
KISS rule of personal finance
KISS (keep simple, stupid) rule, that is, the allocation percentage of high-risk tools (such as stocks, etc.). ) = average life expectancy-the age of investors.
For example, at present, people's life expectancy is about 80 years old. If you are 30 years old now, you can spend at most 80-30=50% on stocks.
management of personal money
You should make reasonable arrangements for your property.
Cash and deposits
Insurance, annuity
investment
Stock and securities investment funds
bond
future
Expensive heavy metals such as gold, platinum and silver.
foreign exchange
Stamps, coins, magnetic cards
Antiques and calligraphy and painting
Edit the financial achievement rate of this paragraph.
Financial management achievement rate = current net assets/(current annual savings × working years) standard value = 1
The greater the proportion, the more successful personal finance.
For example: A has worked for five years, with a current deposit of 50,000 yuan and an existing asset of 200,000 yuan.
20/5 * 5 = 0.8 & lt； 1 Poor financial performance
Financial freedom to edit this paragraph
Financial freedom = (current net assets × return on investment)/current annual expenditure
Ideal target value: 1
F=S*N*R/C Y-C=S
S/Y=F/(F+N*R)
F= financial freedom
S= annual savings
N= total working years
R= return on investment
C= annual expenditure
Y= annual income
deposit rate
Investment direction of personal finance
With the gradual implementation of a series of national financial policies, it has opened up a broader development space for the investment and wealth management market. Personal investment and financial management next year can be described as many hot spots, which can be summarized into eight aspects:
● Gold speculation: entering the golden age.
Since the Bank of China launched the "Huang Jinbao" business for individual investors in Shanghai, gold speculation has been a hot spot in the personal financial market, attracting investors' attention and favor. Especially in the past two years, the international gold price has continued to rise. It can be predicted that with the gradual opening of the domestic gold investment field, the future gold demand growth potential is huge. Especially after 2004, the pricing method of domestic gold jewelry will gradually change from the integration of price and fee to the separation of price and fee, and the 5% consumption tax on gold jewelry is expected to be abolished, which will greatly promote the increase of gold investment, and the gold speculation business will surely become a bright spot in the field of personal financial management and truly enter the golden age of investment and financial management.
● Fund: Infinite scenery still stands out.
Since the successful issuance of the first batch of closed-end funds in 1997, the funds have been highly praised by domestic individual investors. Last year, funds have obviously exceeded deposits and become the top priority in many aspects of investment and financial management. According to relevant data, the net value of domestic funds has reached nearly 200 billion yuan this year, accounting for more than 10% of the circulating level of A shares. According to the survey, many investors are still very optimistic about the advantages and characteristics of the fund, such as stable income and less risk, and hope to obtain ideal income through the investment of the fund.
● Stock trading: Opportunities and risks coexist.
According to experts' analysis, in 2005, the domestic stock market capital supply may reach more than 6543.8+050 billion yuan, and the situation of capital supply and demand is relatively optimistic, which is undoubtedly a shot in the arm for the capital-driven China stock market. In addition, China Securities Regulatory Commission has put forward stricter requirements on the performance calculation and financing amount of listed companies, and strengthened the supervision of the stock market, which will bring profit opportunities to investors. But in any case, the biggest feature of the stock market is uncertainty, opportunities and risks coexist. Therefore, investors should continue to be cautious and seize opportunities before investing.
● National debt: the investment choice space is getting bigger and bigger.
Experts predict that 2005 will be a year of innovation in the national debt market, which will not only increase the variety of national debt, but also give investors more choices. New attempts and reforms have also been made in the way of issuing treasury bonds, which has further improved the marketization level of issuing treasury bonds and minimized the interference of non-marketization factors. In addition, the secondary market of national debt will also become the focus of development next year. It can be seen that this series of innovative actions of national debt will certainly bring more investment choices and greater profit space for investors.
● Save: Can old songs sing new songs?
Over the years, savings, as a traditional financial management method, has long been deeply rooted in people's hearts. According to a survey, most residents still regard saving as the first choice for financial management. Some experts have analyzed that this year, on the one hand, the momentum of foreign capital flowing into China is still relatively strong, and the base money supply in China has increased; On the other hand, in order to moderately control the rise of price index and inflation rate, the government adopted the means of raising interest rates, and the floating range of interest rates was further expanded. The rise of interest rate will certainly stimulate the increase of savings, which is a traditional financial management method and is expected to become a new financial management hotspot next year.
● Bonds: It is a foregone conclusion that they will be hot again.
In recent years, the bond market is unexpectedly hot. There are indications that the issuance of corporate bonds may still accelerate in 2005, such as convertible bonds, subordinated bonds of floating rate notes and banks. Will become a good investment variety. In addition, the China Banking Regulatory Commission will include subordinated term debt in tier 2 capital to supplement the capital structure of commercial banks, which will make banks ready to issue bonds, which will once again add fuel to the fire in the bond market.
● Foreign exchange: The opportunities for profit from investment are greatly increased.
In recent years, the continuous decline in the exchange rate of the US dollar has made more and more people gain a lot of money through personal foreign exchange transactions, which also made the foreign exchange market extremely hot. Various foreign exchange wealth management products have also been launched one after another, such as the foreign exchange of commercial banks, the foreign exchange treasure of China Bank and Agricultural Bank, and the American Express Huitong of China Construction Bank for investors to choose from. Next year, the Chinese government will continue to adhere to the principle of RMB stability, and take measures such as linking RMB to foreign exchange and increasing the autonomy of enterprises in foreign exchange to promote the healthy development of the foreign exchange market. Therefore, according to experts' analysis, there will be more room and opportunities for making profits by investing in the foreign exchange market next year.
● Insurance: Income insurance will become a hot investment spot.
Compared with the tepid insurance market for many years, income insurance has been sought after by people as soon as it is launched. Generally, there are many types of income insurance, which not only has the most basic protection function of insurance, but also can bring investors a lot of income, which can be described as a win-win situation for protection and investment. Therefore, buying income insurance is expected to become a new personal investment and financial management hotspot next year.