Make a detailed wealth plan
Wealth is like a tree, which grows from a small seed. If you make a wealth schedule that suits you in your life, wealth will grow slowly according to the schedule. At first, it was a seed, but the seed will grow into a towering tree one day.
Making a wealth plan is very important for your own wealth growth. When making a high financial schedule, we must first clarify the following issues:
1. Where am I now?
2. What kind of commanding heights will I reach in the future?
3. Can the resources I have enable me to achieve my ideal goal?
4. Do I have the channel and ability to obtain new resources?
After understanding the above problems, we can set a clear goal and work hard to achieve it. Take wealth as the goal and take this as the goal to lead the action of acquiring wealth. You can reach the other side of happiness.
Making a wealth plan is an important financial activity, and it should have goals. Without a goal, there is no action and no motivation. Doing things blindly often makes a difference. When making a wealth plan, we should organically unify the needs and possibilities. In this process, we must consider the following four elements.
1. Know your own personality.
In today's economic society, you must confirm which kind of person you belong to according to your personality and psychological quality. Because of different personalities, everyone has different attitudes towards risks, which can be summarized into three types: one is risk avoidance, they pay attention to safety and avoid taking risks; One kind is risk lovers, who are keen on chasing unexpected gains and prefer to take risks; The other is risk neutral. Under the condition that the expected income is relatively certain, they can ignore the risk, but at the same time, they should ensure safety while pursuing the income. In life. The first kind of people account for the vast majority, because most people are afraid of failure and only pursue stability. Those who stand at the forefront of wealth are often adventurous people.
If you want to open the door to wealth, then choose the right investment object according to the risks you can bear.
(1) Steady people invest in national debt. Steady people have firm goals, hate the changeable life and are unwilling to take risks. They are more suitable to buy government bonds with high interest but minimal risk.
(2) Persevering people engage in futures. Perseverant people are not satisfied with small money, but determined to seize opportunities in the financial tide. Even if they fail, they will not lose heart. They will take a long line and break the waves, and will not stop until they reach their goal.
(3) People with firm confidence choose to save regularly. Self-confident and firm people have clear goals in life, don't do things they are not sure about, keep their promises to society and friends, and never change themselves until they are at the end of their tether.
(4) Down-to-earth people invest in real estate. Down-to-earth people are full of energy and believe that their future must depend on their own efforts. They know that real estate is a long-term investment and the most profitable investment.
(5) orderly people invest in insurance. People who do things in an orderly way lead a rigorous and orderly life. I don't expect to get rich, but I want to meet my immediate needs. In the event of an accident, I also have life support.
(6) People with high aesthetic ability invest in collections. People with high aesthetic ability are not interested in fashionable things and love those rare and precious things.
(7) adventurous people invest in stocks. Adventurers like excitement and regard adventure as an important part of romantic life. Once they decide, they will participate in the wonderful stock activities without hesitation, even for a lifetime.
At the same time, everyone should have the ability to think independently, so that they can invest independently with ease. When the market is full of good news and the economic report is extremely pessimistic, if there is no reason and policy support for the stock market to continue to rise, then it should consider selling. On the other hand, when the stock market is selling orders and everyone is desperate, everything is at a low ebb. This is a good opportunity to invest. You can take advantage of it, boldly intervene in shares, and then hold it for a long time, which will have good returns.
2. Knowledge structure and occupation type
To create wealth, we must first know ourselves and ourselves, and then decide to invest. When you know yourself, you must know your knowledge structure and comprehensive quality. Everyone should choose his own way of making wealth according to his own knowledge structure and occupation type.
Some people are like a duck to water in the real estate market, but they hit a wall everywhere when they make stocks; Some people like collecting stamps, and they get started quickly and make small achievements in a short time, but they still can't find the trick after spending a lot of effort on real estate. If you have a good higher education, a higher level of knowledge and a more professional job, you can seize the pulse of the Internet era and use your professional knowledge and network tools to manage your finances in the era of knowledge economy. If you are a professional artist, you can give full play to your expertise in the field of painting and calligraphy investment, which is a territory that is difficult for ordinary laymen to set foot in. If you are an ordinary employee engaged in specific work, you don't have to be discouraged. You can start from your familiar fields and find investment tools that suit your own characteristics. Believe that one day. You will also become a "financial expert" in a certain field. If you are proficient in stocks, well-informed and have enough time to observe the stock and foreign exchange markets and keep buying and selling, you can focus on stock and foreign exchange trading and consider making short-term investments. If you are an employee with strict working hours and don't like to stare at the stock market every day, you can choose a securities investment fund. Investment funds collect the funds of many investors, and are invested by special managers, with less risk and more stable returns.
Creating wealth is something that everyone wants to do, and it is also a science. Making a wealth plan is very important for creating wealth. A wealth creator can only proceed from reality, be down-to-earth, exert his knowledge and be good at using his wisdom. Only in this way can he become a clever wealth creator.
3. Opportunity cost of capital selection
In the process of making a wealth plan, we should pay attention to some general rules after considering various factors such as investment risk, knowledge structure, occupation type and our own characteristics. The following are the general principles for most wealth creators to act.
(1) Don't put your eggs in the same basket. Generally speaking, young people may want to bet more on high-tech stocks or emerging markets, while old people tend to invest their money in blue-chip stocks, but it is wise to diversify their portfolios.
There is an old saying in China: "The east is not bright and the west is bright." This means that eggs can't be put in the same basket.
(2) Maintain a certain amount of inventory. Stock assets are essential. Investing in stocks can not only help to avoid the decline of savings income caused by low inflation, but also resist the threat of currency depreciation and price increase caused by high inflation. At the same time, you can withdraw from the stock market in time when the market is unfavorable. It can be said that it is both offensive and defensive.
(3) contrarian investment. You buy when others sell, and you sell when others buy. Most successful investors open positions when the stock market is depressed and no one enters the market, and sell them at a profit when the stock market is busy.
For example, collecting popular paintings and calligraphy, such as those of Xu Beihong and Zhang Daqian, requires a lot of investment, and sometimes it is difficult to buy them with money, and there are many fine products. People who don't distinguish between true and false often spend a lot of money and get nothing in return. At the same time, the works of some young artists may be richly rewarded in the future. Another example is collecting stamps. Although it is cheap, it is unique among tickets as a product of a specific historical period. Although there are not many people concerned at present, the potential value-added space should not be underestimated.
(4) strive to reduce costs. When we are short of money, we often overdraw credit cards. In fact, this is the stupidest thing to do. Usually, these debts cannot be paid off in time. As a result, we pay interest every month and are heavily in debt.
(5) Establish family wealth files. Maybe you know your financial situation like the back of your hand, but you and your children may not fully understand it. You should make your wealth file as complete and clear as possible. In this way, even if you are dead or incapacitated. Family members also know how to handle your assets.
4. Income level and distribution structure
Choosing the distribution method of wealth is also an indispensable part of the wealth plan. The choice of distribution method depends on your total wealth first. Generally speaking, income can be regarded as the current increment of total wealth. Because wealth is more stable than income. In the case of low personal income, consumers mainly rely on wages and salaries. There is a great demand for currency consumption transactions, and almost no more surplus funds are invested to create wealth. The focus of wealth distribution should be frugality.
Investment funds come from personal savings. For wealth creators who pursue the maximization of income and utility, the purpose of delaying consumption and saving is to obtain greater income returns. Therefore, the redistribution of personal wealth can be expressed as: under the given income conditions, selectively and cut the distribution of consumption and savings investment to create wealth, so as to maximize the utility of current consumption and future consumption. If there are more reserves for consumption during this period, there will be less for long-term investment to create wealth; The less consumer reserves are withdrawn, the more they can be used for long-term investment, the more opportunities to create wealth and the greater the possibility of realizing the dream of wealth.