Many people think that financial management is an investment to preserve and increase the value of assets. This is a one-sided understanding. In fact, real financial planning includes cash planning, investment planning, risk management and insurance planning, children's education planning, real estate planning and inheritance planning. These plans are all for one purpose: living security. Guarantee your basic life, ensure that your education, marriage, childbirth, pension, disease prevention and other plans can have enough money to pay, and there will be no financial imbalance.
Investment and financial management can be divided into personal investment and financial management, family investment and financial management, and corporate/institutional financial management. 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.
What does Defeng Lida think is the purpose of personal financial planning? Financial management is a family financial planning and arrangement. Financial management is not equal to making a fortune, it is to handle the family's financial income and expenditure reasonably, achieve a balance between income and expenditure, ensure basic living expenses, and have enough money to spend when necessary. Some people have a wrong understanding that financial management is an investment, which is somewhat one-sided. Real financial management is a kind of planning, including cash planning, investment planning, risk management and insurance planning, children's education planning, real estate planning, inheritance planning and so on. Use these plans to protect your basic life so that there will be no financial imbalance in your life.
What is the ultimate goal of financial management?
The ultimate goal of financial planning: financial freedom
What is the ultimate goal of financial planning? Financial planning refers to the use of scientific methods and specific procedures to make practical and operational plans for customers, including cash planning, consumption expenditure planning, education planning, risk management and insurance planning, tax planning, investment planning, retirement planning, property distribution and inheritance planning, etc., so that customers can continuously improve their quality of life and finally realize lifelong financial security, autonomy and freedom. Investment is a major plan of life, and everyone's financial planning must first have a clear goal. Under the premise of clear goals, you can start investing in a planned way. Generally speaking, people's main investment goals are nothing more than planned retirement protection and children's further education. Of course, there are other goals such as buying a car and buying a house. Everyone's financial goals are very different, and people at different stages have different financial goals, but overall, the goals of financial planning can be summarized into two levels: achieving financial security; Pursue financial freedom.
What is the ultimate goal of financial management? To increase wealth and get more income than deposit in the bank?
The success of financial management can be compared with the growth rate of CPI and its own stock fund.
Personal financial planning is a master! There are many questions to ask. Do you mind chatting on QQ? 175 157528!
What is the ultimate goal of the overall system planning? () Select B for network design and construction.
Seeking a personal financial planning from reality can help you learn more useful knowledge in your spare time, which can not only reduce the burden on your family, but also increase your experience without affecting your study. At least before you leave school, your family doesn't need your money, and your brothers and sisters naturally have family care. So don't think about it for the time being. And what is the most important thing to learn during this time at school. In China, the financial market is undoubtedly the most profitable aspect, and the gold business is almost short of people. There are only 70 senior gold analysts and 300 intermediate gold analysts in China. The share of gold in developed countries has exceeded 10% of the whole financial market, with unlimited potential. In fact, the plan is not important, because you simply can't see the real profit of an unknown industry.
Seeking personal financial planning advice, I suggest buying some personal insurance and saving some money. Live within our means, buy a little, and the fund will invest. The fund is an expert in helping you manage your money. The minimum starting capital of the fund is 65,438+0,000 yuan, starting from 200 yuan.
Go to a bank or fund company to buy funds. Banks can act as agents for many fund companies, and specially open accounts to find bank financial counters. At present, some securities companies also have agents to trade funds. After the bank opens online banking, there is a general discount for online shopping.
Make a self-understanding first, whether it is high risk and high income or steady capital preservation income. The former buys stock funds, while the latter buys bonds or money funds. After determining the type of fund, the choice of fund can be based on fund performance, fund manager, fund scale, fund investment direction preference, fund charging standard and so on. Online ranking of fund performance. Steady stock funds can choose index or ETF. It is best to choose back-end payment for fixed investment. I'm afraid I won't make a specific recommendation. Only the feet know whether the shoes are good or not.
Generally speaking, there are two ways to invest in open-end funds, single investment and regular quota. The so-called fund "fixed investment" means that investors invest a fixed amount (such as 10 yuan) in the designated open-end fund at a fixed time every month, which is similar to the bank's zero deposit and withdrawal method. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"
The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.
It is always an opportunity to invest in stock funds to make a fixed investment, but only if you have the determination to persist can you see the effect.
Banks all implement the interest rate stipulated by the People's Bank of China, and the interest rate is the same in any bank. The longer the interest, the higher the interest, and terminate the interest reduction in advance. If it is possible to use part of the funds in advance and want high interest, you may wish to deposit them in installments: if you deposit a one-year term every month, you will have money every month after one year, and the interest is higher than zero deposit and lump sum withdrawal. And so on.