Zhang Guoli and Li Xiaozi were born in a small town in the south of China in the same year and have been classmates since childhood. Zhang has always been very good at studying hard and has a strong ability. After graduating from a top 100 university in China, he found a job with an annual salary of 654.38+10,000 yuan and maintained an annual growth rate of 654.38+00%, but he didn't know anything about financial management. Li Xiaozi didn't study hard, dropped out of high school before finishing high school, and didn't find a job, but he usually likes to study investment and accumulated some experience and methods. Zhang worked hard until graduation, and got 6.5438+0 million yuan from his parents, and began to invest in financial management. In the first year, it earned 6.5438+0 million yuan, and it can maintain an annual rate of return of 654.38+00% in the future. When Zhang tried to understand Li Xiaozi's situation, he suddenly felt depressed: Did I study hard for so many years, and the final output value was the same as/kloc-0.0 million yuan? Am I only worth 1 ten thousand?

Life is priceless, but a person's labor ability has a price. For most people, there are two main types of capital that they can use for investment and profit: human capital and capital capital.

Human capital investment: social production and business activities need various factors of production, including labor, land, capital and entrepreneurs. This has correspondingly formed trading markets such as labor market, capital market and land market. Salary is the pricing of human capital in the labor market and the evaluation of the value of human capital. For the labor force itself, salary is its own human capital investment income level. On the one hand, the pricing level of human capital depends on its labor skills, on the other hand, it depends on the supply and demand relationship of its labor skills. In order to obtain the high price of human capital, it is necessary to improve the skill level of the labor force. People begin to receive long-term campus education, from kindergarten to university 19 years (one has only worked for more than 30 years), and after graduation, they also attend various remedial classes and read books, all in order to enhance their competitiveness in the labor market. It can be said that almost everyone has invested huge energy and financial resources in the appreciation of their human capital, with the purpose (not the only purpose) of "finding a good job" (selling a good price) in the labor market in the future.

Capital capital investment: the salary we get from investing in human capital will not be completely consumed, but there will be a certain balance. At the same time, it is also possible to get some funds because of the gift from parents. If the remaining funds are invested in some form, it belongs to the investment of capital capital. Compared with the investment of human capital, the investment of capital capital is more "mercenary"-human capital will also consider factors other than salary when seeking the right price, such as whether the boss cares and respects himself enough and whether the relationship between colleagues is harmonious, while capital capital is almost entirely profit-seeking: it only wants to go to places with high returns and low risks. If the investment of capital capital wants to get high return, the biggest enemy is risk. If you want to get high returns and low risks, you need to master the knowledge, methods and skills of investment, so that you can get the highest possible rate of return under the premise of effectively controlling risks.

Then, if a young man wants to achieve financial freedom and get a higher variety of life, should he mainly rely on the improvement of his own ability and skills to get high returns on human capital, or should he improve his investment and financial management skills to get high returns on investment?

In reality, most people (mainly students and young people) will choose to devote their energy to cultivating their own human capital appreciation ability, and less to learn financial management skills. Investigate its reason, we think it is mainly the following aspects:

1. Human capital has a wide range of appreciation and is easy to use. Reading a book, listening to a lecture and attending a training are all self-improvement. I have been studying and growing since I was a child, and I have more than ten years' experience. However, investment and financial management are very abstract and unfamiliar, with almost no experience, and it is not easy to get started.

2. Many people think that the income from investment and financial management is limited, and only tens of thousands of dollars are not worthy of attention. It is better to focus on self-improvement so that human capital can get high returns in the future.

However, in my opinion, everyone's understanding and handling of the relationship between personal development and improving financial management skills is unreasonable.

First of all, personal growth and learning financial management skills are not one of the two, but can go hand in hand. For young people, especially students, we must put self-growth first, but this does not prevent us from setting aside part of our time to develop financial management skills.

Second, don't wait until you have a lot of money to start financial management. You should plan ahead, start studying and practicing at the beginning of your work, and even try something as early as you get to college. Why should we learn financial management early? This is because learning financial management is not a one-off event, but a long-term practice and experience summary process. Because the initial investment is small, even the loss is limited, and at this stage, the learning motivation and ability are relatively strong, and I am willing to try and sum up experience; And if you are waiting for money, at that time, a person's ability to resist setbacks is much worse. If the beginning is not smooth, it is often easy to fall into pessimism. From then on, you are no longer willing to try some risky investments and only do extremely conservative financial management. Moreover, when a person accumulates more assets, he is often in a busy period of his career and often has little time to learn financial management skills. At this time, it is possible to simplify the management of his own financial management, such as choosing the mindless financial management method of saving national debt, thus missing high-yield investment opportunities.

Third, the purpose of learning financial management is not to become a financial expert, but to have the basic judgment ability of financial management. Being a financial expert is not an easy task, and it is not suitable for most people to pursue. However, we think it is necessary to learn some basic financial knowledge and methods, and it is not too difficult to increase the financial yield from 3% to 10%. More importantly, unlike human capital investment, financial management can actually "leverage", that is, "stand on the shoulders of giants": human capital investment often requires personal participation, which is difficult for others to complete. But the investment is different. Asset management institutions in the financial industry exist to provide financial services for ordinary people. For example, when a fund company issues many fund products, ordinary people can indirectly invest in the stock market and bond market with the help of the professional ability of professional fund managers, which saves a lot of time and energy than directly participating in the stock market. You can also consult a professional investment consultant and let the investment consultant help you screen out the appropriate financial products from the complicated financial market. But even if you want to rely on other people's professional investment methods, you need to have certain basic knowledge and skills, otherwise how can you know which are good fund products? You need to find a professional investment consultant to help you choose, but you don't even know the basic knowledge of financial management. How do you know which investment consultant is professional and reliable? Therefore, basic financial management knowledge and methods are necessary and not difficult to learn. The investment is limited but the benefits are great, which is certainly worth doing.

Speaking of the necessity of financial management, let's talk about self-growth. Although many people have repeatedly said that personal growth is important, I still want to tell you a cruel reality: apart from the relatively easy growth of knowledge, it is difficult for many people to make a big breakthrough in the non-knowledge level, and this is more obvious with the growth of age. A person's learning ability, in fact, mainly depends on the openness and inclusiveness of this person's thinking, and whether he is modest and eager to learn. In college, a person's plasticity is still very strong, his mind is also open, and he can learn a lot. Everyone can still feel their progress, but after graduation, everyone will gradually feel the "powerlessness" of reality. After working for about three years, many people will feel the "ceiling" of their careers, as if they saw what height they could reach. It can be said that this is not an illusion but a real existence. The fate of most people is inevitably to become a denominator and an ordinary member. This is the reality of society: most wealth resources are in the hands of a few people, and most people hold a few wealth resources. Everyone loves to listen to dreams, but in fact only a few people will really get close to them. Most people will eventually find the cruelty of reality, and need to work hard for economic difficulties, a house and a small family, and work hard from the perspective of work and financial management.

Therefore, at the moment when most people graduate from college, their ability growth rate has begun to slow down and gradually approach the ceiling. In the face of this situation, there is no need to be depressed. All we can do is do what we can. Moreover, happiness has never had an absolute relationship with wealth. Happiness is more a mastery of mentality and acquisition methods. To sum up, we should do what we can, and don't be arbitrarily influenced by some noise around us like a headless fly without knowing what we can do.

After talking about the relationship between human capital investment and capital capital investment, let's get to the point: how to manage money with income 10- 15000 yuan?

1. It is suggested that the monthly balance be determined by the fund. Under the current market background, it is recommended to give priority to investing in equity funds and hybrid funds, but if you are particularly concerned about risks, it is recommended to allocate hybrid, bond or even some monetary funds;

2. When the overall market of 20 15 is relatively optimistic, it is suggested to allocate partial stock assets, some stock funds and hybrid funds with excellent and stable past performance, and conservative investors suggest bond funds and some hybrid funds;

3.P2P can properly configure a part and comprehensively consider the online lending platform;

4. Playing new funds can be used as the allocation direction of conservative positions;

5. Allocate some money funds to meet liquidity needs.

I hope what I saw from Xinrong Street Finance website is helpful to you.