Personal long-term investment and financial management is a process to achieve personal life goals through proper management of financial resources, and it is a unified and coordinated plan designed to achieve the overall financial goals. If you want to succeed in investment and financial management, you need to consider your future more carefully. Only by figuring out what you may need in different periods of your life can you make an effective investment plan and help yourself achieve your goals.
Keywords: personal financial investment and financial advice
introduce
The word "financial management" first appeared in newspapers in the early 1990s. Since then, with the continuous expansion of China's stock and bond markets, the retail business of commercial banks has become increasingly rich, and the overall income of citizens has increased year by year. The concept of "financial management" has gradually entered thousands of households. Financial management is different from investment. Of course, investment is an important means and content of financial management, but the content of financial management is much broader. In personal long-term investment and financial planning, we should not only consider the accumulation of wealth, but also consider the protection of wealth, that is, the management and control of risks. In the journey of life, we are faced with all kinds of risks and accidents, and there are also all kinds of systematic risks in economic life, which requires us to use reasonable investment and financial planning to resist risks. The experience of foreign investment and financial management shows that vigorously developing investment and financial management plays an important role in revitalizing the tertiary industry and avoiding the bubble economy. From the microscopic point of view, it has a decisive influence on improving people's quality of life and building a lifelong peace of mind system. Therefore, people should learn the knowledge of lifelong investment and financial management to ensure the effectiveness of the family's peace of mind living system.
Personal long-term investment and financial management is a process to achieve personal life goals through proper management of financial resources, and it is a unified and coordinated plan designed to achieve the overall financial goals. This plan is very long and will run through one's life. Personal long-term investment and financial planning contains three meanings: first, know what financial resources you have; Secondly, we should have a clear understanding of our life goals; Third, there must be a series of unified and coordinated plans. It is the core content of personal long-term investment and financial management to integrate all plans with cash flow management, coordinate all plans and make all plans conform to their own cash flow.
Suggestions on personal long-term investment and financial planning.
1. 1 invest as soon as possible. You can set up an education fund at the age of 30 and a pension fund at the age of 40, but do you know that it may take a lifetime to start again after 7 years? If you want to profit from your investment, you must go first. Just like two people who take equidistant walks, they can take a walk easily if they leave early, and they can catch up desperately if they leave late. This is the advantage of early investment. If you invest in 500 yuan to buy regular funds every month from the age of 20, assuming the average annual rate of return 10%, you will not deduct money after investing for 7 years, and then let the principal and profit increase all the way. When you retire at the age of 60, the principal and interest have reached1620,000 yuan; And if you start investing at the age of 26, 500 yuan's annual rate of return is 65,438+00% per month. It took 33 years to deduct money continuously, and it only accumulated to 1.54 million at the age of 60! By contrast, is it easier to invest early? On the other hand, once you start investing, don't stop. The longer the time, the more significant the benefit of investment. Suppose you don't stop investing at the age of 26, but continue to invest in 500 yuan every month. By the age of 60, the accumulated wealth is 3 1.6 million, almost twice the income! Time is the greatest magician in the world, and its changes to the investment results are amazing.
1.2 Long-term investment (regular quota). I will give you 100 yuan every month. What can I do with it? Will you eat out next time? Buy a pair of leather shoes? 100 yuan is almost spent. Have you ever thought that if you save this 100 yuan every month, you may become a millionaire? If you regularly invest 100 yuan in a certain fund every month (that is, the fixed-term plan), then if the average annual return rate of the fund reaches 15%, after 35 years of persistence, your corresponding absolute investment income will reach 1.47 million. In the past, the bank's "lump sum deposit and withdrawal" was once the most popular savings tool for ordinary people. Go to the bank regularly to deposit a part of your salary every month. After a few years, you will find that you still have a lot of savings. At present, the yield of lump-sum deposit and withdrawal is too low, and it gradually loses its appeal. But what if we change the habit of saving a sum of money every month to investing a sum of money? The result will change dramatically! What is the reason? Due to the time value of funds and the role of compound interest, the cumulative effect of investment amount is very obvious. A small investment every month, many a mickle makes a mickle, and small money can be turned into big money. Few people can realize that habits have such a great influence. A good habit may bring you unexpected surprises and even change your life. More importantly, regular investment avoids the choice of entry time, which is a simple and effective medium-and long-term investment method for most investors who cannot accurately grasp the entry time.
1.3 portfolio investment (asset allocation). As the saying goes, "Don't put your eggs in the same basket", although it is a cliche, from the perspective of risk management, diversification is a strategy that can stand the test of time. If you only buy 1, once you make a mistake, you will lose everything; But if you buy 20 stocks, it is unlikely that every stock will have a daily limit, but it is also unlikely that every stock will plummet. The so-called "the east is not bright and the west is bright", after the ups and downs cancel each other out, the result may be a small profit or a small loss. Obviously, the risk of investing all your money in 1 stocks is much higher than that of investing in 20 stocks. In addition to diversification in an asset class, you can also choose a variety of investment directions in different asset classes, such as stocks, bonds, cash and bank deposits. By choosing investment products with different risk-return characteristics to build a portfolio, both risks and returns can be taken into account. For example, an investment portfolio with 40% stocks, 40% government bonds and 20% time deposits has an average annual return of 9.07% from 1996 to 2003, which is higher than that with 100% time deposits. At the same time, its standard deviation (measuring the fluctuation degree of income) is much less than 100% invested in stock portfolio.
1.4 quality investment (trust expert). The fund will be a very good helper in the process of personal long-term investment and financial management. Low threshold. Usually, the lowest regular quota plan only costs 100 yuan to 300 yuan every month. From 200 1 when the open-end funds in China were born to 2005, China stock funds outperformed the market for five consecutive years, which proved the professional investment management ability of fund managers. Standing on the shoulders of investment experts, you have a chance to earn more. What about stock selection? Do you feel confused when you fight in the smoke-filled stock market battlefield every day? Do you feel helpless? What set to buy! I'm afraid it's the eternal pain in most people's hearts. Why not consider holding some big blue chips for a long time? The stock market is a barometer of the economy, and high-quality blue-chip stocks definitely represent the future of China's economy. Civil servant's home
The above are just some personal suggestions for medium and long-term financial management. In fact, all of us can do better. Everyone will have their own financial situation, and everyone will face different financial needs. Plan as early as possible, invest for a long time, and make a reasonable combination, and you will have a happier tomorrow!
2 personal long-term investment and financial planning should pay attention to the problem
First of all, in the stage of establishing personal assets, we should choose a simple risk-free investment institution, preferably in the form of savings. Savings is an essential means of financial management for every family and is used as reserve funds. The proportion of the reserve fund varies according to the family situation. Generally, three months' household expenses are the minimum reserve fund. Secondly, before taking any action to buy real estate, we should consider our own ability to pay funds and payment methods. For example, buying a house is an action to build lifelong assets, so it should be carefully considered. Third, diversify your personal assets. In the process of forming personal assets, fixed assets, monetary assets and financial assets should be in a generally balanced state. At the same time, try to increase the value of your assets and make them active. Fourth, we should pay attention to the implementation and changes of the tax system. If it is necessary to change the savings policy, do not hesitate. At the same time, establishing a list of family assets can keep abreast of changes in family situation and related laws and regulations. Finally, don't forget to prepare for your retirement. Before retirement, it is best to make up for the lack of social security measures with other investment methods. Protect your family. In accident insurance and life insurance, we should consider the husband and wife financial management system.
References:
[1] He Lihua. A new perspective of financial management: personal financial planning [J]. Audit and Financial Management, 2005 (2): 35-36,
[2] Li Xiaodan. Review and Thinking of Personal Financial Planning [J]. Digital Wealth, 2004+00.
[4] Wang Lili. On individual investment [J]. Journal of China Women's University, 2005, (1)
[5] Ten investment laws of HSBC Jintrust Fund Management Co., Ltd..