If so, then you need to know your assets and preserve and increase their value;
Personally, investment and financial management serve your ideals and goals;
No matter what kind of investment and financial management, its purpose is basically the same, that is, through the effective management of all assets and liabilities, to achieve the purpose of maintaining and increasing value. Investment and financial management is a living habit and way. Personally, investment and financial management can not be separated from everyone's ideals and goals, and further, investment and financial management is to serve your ideals and goals. Otherwise, you will become a slave to money. You may have a lot of money, but the social significance and value of your existence are very small.
First, personal assets analysis.
1, personal assets analysis is to find out your own (personal or family) assets and how much property you own (that is, what is your personal net worth)?
Personal net assets = personal total assets-personal total liabilities
Total personal assets = current assets+investment assets+available assets.
Total personal liabilities = short-term liabilities+long-term liabilities
2. Liquidity assets refer to cash, current savings, short-term bills and other currencies or bills that can be used and cashed in time.
3. Investment assets refer to long-term savings, insurance money, stocks, bonds, funds, futures and other investment currencies or bills for the purpose of maintaining and increasing value. 4. Available assets: refers to houses, furniture, vehicles, books, clothes, food and other usable items.
* Real estate with the purpose of maintaining and increasing investment value should be investment assets.
* Collectibles for the purpose of preserving and increasing investment value should also belong to investment assets.
5. Short-term liabilities: refer to debts that should be repaid within one year.
6. Long-term liabilities: refer to debts that have been repaid for more than one year.
7. Personal asset-liability ratio:
Total personal liabilities
Personal asset-liability ratio =-* 100%
personal property
8, how to grasp the personal asset-liability ratio:
A, according to their own income level, how big is the personal income debt ratio? When the income-debt ratio exceeds a certain range, we should pay attention to it and reduce some personal debts appropriately to avoid causing certain debt pressure.
B, according to the repayment period and repayment ability of the debt, try to combine the long, medium and short of your own debt, and avoid concentrating the repayment period together, so that you can't afford it at that time.
C, according to the use and income of debt, it is best to invest less in high-risk debt, borrow more with stable income, and borrow for a long time without income.
Second, personal income and expenditure analysis
1, personal income and expenditure analysis is to find out the income and expenditure of individuals (families) at ordinary times.
2. Personal income: (usually monthly income) Personal income = monthly salary, bonus income+interest on long-term savings deposits+personal investment income+other income.
3. Personal expenditure: (refers to the usual monthly expenditure) Personal expenditure = daily expenditure (food, clothing, housing and transportation)+common expenditure (home, clothes, books, etc. )+standby expenditure (education fund, medical insurance, endowment insurance, etc.). )+other expenses.
4. Personal Income and Expenditure Profit and Loss: Personal Income and Expenditure Profit and Loss = Personal Income-Personal Expenditure
Profit and loss value > zero: individuals accumulate over a long period.
Profit and loss value = zero: personal daily income and expenditure are balanced, and there is no accumulation in daily life.
profit and loss
5, personal balance control:
First, increase the sources and channels of income, that is, "open source".
B, reduce blind consumption and unreasonable consumption, that is, "throttling".
Third, the analysis of financial objectives
1. Personal financial management goal is to set an additional value of personal net assets for yourself in a certain period, that is, personal financial management goal in a certain period, and at the same time arrange asset types in a planned way to obtain orderly cash flow.
2, the classification of personal financial goals:
A, according to the length of time: short-term goal (about 1 year), medium-term goal (3-5 years) and long-term goal (more than 5 years).
B, according to the life process:
Personal single goal: from work to marriage.
Family formation goal: get married until you have children.
Family growth goal: from birth to school.
The goal of children's education: children go to school until they get employment.
Family maturity goal: the child has been employed until the child gets married.
Pre-retirement goal: before retirement
Post-retirement goal: after retirement
3, personal financial goals:
A, suitable for their own conditions (their social status, economic situation, daily income, family, children, etc. ).
B, meet the requirements of every stage of your life.
C, to combine long-term, medium-term and short-term goals.
4. The content of personal financial goals: clear time and specific figures.
5. Revision of personal financial goals: After the personal financial goals are formulated, they are not fixed, but should be adjusted in time according to the implementation and specific environmental background to meet their actual requirements.
It's best to revise your original financial goals every once in a while (for example, once a year).
6, how to formulate specific personal financial goals:
According to everyone's own conditions and different life experiences, make reasonable short-,medium-and long-term financial management goals.
Fourth, financial planning analysis
1. Personal financial planning means that after the personal financial goals are set, the corresponding personal financial planning and implementation steps should be formulated according to the goals. Personal financial planning is the elaboration of financial objectives and the implementation of financial investment steps.
2. Personal financial planning:
In order to achieve the goal of personal financial management, it is necessary to clarify every financial investment step and investment tool in financial planning.
A, in the personal financial investment plan, there can only be one investment step and one investment tool:
Start financial investment > (just an investment tool) > achieve the goal.
B, you can also have several investment steps and use several investment tools:
Start financial investment > (tool 65438 +0) > (tool 2) > (tool 3) > (tool 4) > achieve the goal.
C, you can also have several investment steps and use several investment tools at the same time: financial investment begins >; (Tool No.65438 +0) > (Second Tool) > (Fourth Tool) > (Seventh Tool) > Achieve the goal.
(the third tool) > (the fifth tool) > (the eighth tool) > achieving the goal
(sixth tool) > (ninth tool) > achieving the goal
Only by accurately judging the investment and financial management environment can we make better use of investment and financial management tools. This is a comprehensive course.
Practical science.
3, the implementation of personal financial planning:
For every financial investment step, seriously implement it and don't stop or change it easily. 4. Modification of personal financial plan:
According to the implementation of the financial plan, the practicability of the financial objectives, the changes of their own conditions and the surrounding environment, the personal financial plan is revised accordingly.
5. Specific formulation of personal financial planning:
Because it is based on everyone's financial goals and their own operational capabilities.
Therefore, personal financial planning is a systematic personal economic planning, which is very important;
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