Everyone wants to achieve wealth freedom, so at which stage do you think the income will be closer to wealth freedom? Probably answer, of course, the monthly income is 654.38+ 10,000!
However, have you ever thought that even if your monthly income is 65,438+10,000 yuan, your expenses are close to this figure. Once you lose your job or for other reasons, your financial situation will soon come to a dead end. Even daily life is a problem. If you are burdened with various debts such as mortgage, the burden of life can be overwhelming. This is why people nowadays look glamorous, but they dare not get sick. They turn around like gyroscopes every day and dare not slack off.
But if you just graduated with a salary of 5,000 yuan, but you can save 2,000 yuan for investment every month, and the annualized rate of return is 10%, then after 30 years, you can get 4.55 million yuan and the principal is only 720,000 yuan.
Therefore, the real freedom of wealth is not how much money you can earn, but how much your passive income and property income are. You don't have to work, your income can cover all your expenses. There are two ways to realize wealth freedom, open source and throttling. Only by going hand in hand can we get closer and closer to the goal.
And ordinary office workers want to achieve wealth freedom, in addition to working hard and developing a second career, there is also a very important way to manage money! It is not difficult to save a little money every month, as long as you find the right investment method, it is not difficult to save 5 million when you retire. Although you can't see the difference in a short time, ten or twenty years will open a huge gap between you and the people around you.
The most suitable financial management method for office workers
Is there the most suitable investment method for office workers? We have to look at the characteristics of office workers first.
First of all, time and energy are limited, a lot of time should be spent on work, and work should not be delayed; Then I know little about the professional knowledge of investment and financial management and lack investment experience; In addition, the ability to resist risks is average, because most office workers are under great pressure, both from individuals and families.
Among all kinds of things, the best way for office workers to manage their finances is to invest in index funds. Better realize long-term planning methods such as pension, education, buying a house and buying a car.
The fixed investment of index funds is also the only way for Warren Buffett to make public investment. Buffett said that if I was 30 years old and only had a stable job, I would invest all my money in the Pioneer 500 Index Fund. Then close the account and start working. Waiting for it to automatically give me money.
As early as 1993, he mentioned: "By investing in index funds regularly, an investor who knows nothing can usually beat most professional fund managers". After that, the index fund was opened on 16 for 8 consecutive times.
In 20 14, he made a will and bought 90% of his cash into an index fund after his death. Instead of buying stocks, buy index funds.
So how much can index funds earn?
If you spend 3,000 yuan a month from the age of 25, you will have11480,000 when you retire at the age of 60. If you invest in index funds with higher returns, you can get 44.58 million by using some methods to improve the returns and reach the annualized rate of return of 15%. The principal is only 6.5438+0.26 million. This is the greatest charm of index funds. It won't make you a millionaire tomorrow like winning the lottery, but it's not difficult to become a multimillionaire as long as you insist on taking out part of the wage investment index fund every month.