Female Doctor'S Five Investment Philosophy &Nbsp, Let You Have "Financial Quotient".

Abstract: I find that most people ignore the biggest capital in the family. That is themselves. In fact, keeping this capital is the best way to increase revenue and reduce expenditure.

I find that most people ignore the biggest capital in their family. That is themselves. In fact, keeping this capital is the best way to increase revenue and reduce expenditure.

1) when investing in health, when it comes to health, many people may think that this is a thing for the elderly. In fact, when they are old, their health is not good enough. How can they get better health care? Of course, many people say that I have voted for health insurance, which is equal to investing in health. In fact, this is wrong. Overdraft at a young age is not enough to protect oneself.

Maybe our family are weak in nature, so they always care about their health. When they meet with good health products, they will try to use it. After screening, I will persist in using it. Now I have been a drug jar. I have not been taking medicine for many years, plus I insist on fitness in the gym. Now I work hard and have more energy than those who are ten years old. This is the healthy advantage of investing.

It only costs hundreds of yuan a month, but it's no problem to work up two people.

Maybe when it comes to beauty, everyone thinks it's vanity. Even I see many girls in order to save the cost of skin care products and clothes, I think it's really worth losing. There are some things in the world that are hard to recover when they are lost. Health is beauty.

I think that as a woman, we must use good skin care products, keep young and beautiful, insist on keeping fit and keep slim. Scientific research has long proved that beauty itself is an invisible capital. It can help you in your work and feelings, at least let you feel cheerful and confident, and the happiness of life is more intense.

My practice is that skin care products must be used well, so long as they are not wasted, they can buy less clothes, but try to buy quality brands.

There are two ways to earn more. One is to develop sideline and do part-time jobs. One is to develop the main business and become an expert. After seeing many people's posts, I find that the development of sideline businesses is limited, and those who earn most are mostly very experienced people in their main businesses.

Most of my examples are the same. The annual salary of hundreds of thousands of people is a person who insists on being in an industry. Of course, they do not stick to a single unit. Proper job hopping is a good way to get a promotion and raise salary.

So, constantly charging, to become a senior expert, digging deep wells can continue to flow.

In the past, our family basically had no investment idea, and bought several times of real estate, saying that it was investment. In fact, the starting point was rigid demand. The local purchase was due to the improvement of housing conditions due to the improvement of economic conditions, and the purchase of houses in coastal cities was because my hometown was polluted so badly that I wanted to have a clean place for the aged to take a vacation. This is the consensus of people living in our city.

So I think it is very normal for a family to have two or more apartments, which is also a rigid demand.

However, in the process of buying and selling, it is easier to find the value added of real estate. It seems much easier than making money. But when I want to invest in real estate seriously, the housing policy of the country has been constantly adjusted, so that we will lose another important opportunity. However, the housing bubble is really terrible and needs to be controlled.

But I will not give up investment shops and office buildings. I will constantly look for opportunities in my life. This will be an important source of cash flow for financial freedom.

3, investing in stocks

I haven't bought stocks yet, because I haven't had time yet, but I am concerned about the information of stocks. I summed up the experience of some lazy people, and I want to be busy with this period of time, so I will go to practice.

1) do not buy your favorite brand consumer goods, but buy their company's stock. This is a lovely suggestion I have seen.

I don't know which company's stock should be bought. It's really a puzzle for many small investors. Looking for a profitable company to make long-term investments is the experience we learned from Buffett. What is a good company? Ha ha, that's what your practice proves, your loyal brand. I think this is a good suggestion.

2) pay attention to the original stock.

In general, few people can buy the original stock. Unless they are employees of the unit, have special channels or run into the Universiade, I have heard that several companies that I have often contacted are planning to go public in recent years, so they must prepare funds and buy them immediately, not only because they are primitive stocks, but also because they know more about their products and business conditions.

3, investment funds

The fund is the best means for laziness and expert financial management. It is more suitable for me. It has already made the fund's fixed investment, and there is little profit, because the time is too short, but I am not in a hurry. My plan is the income after twenty years, ha ha, slowly wait, believe my future is not a dream.

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Abstract: I find that most people ignore the biggest capital in the family. That is themselves. In fact, keeping this capital is the best way to increase revenue and reduce expenditure.

4, investment insurance

Some time ago, I read an article saying that about 60% of white-collar workers now do not know what is called five risks and one gold, and 20% of white-collar workers do not care.

I am not a white-collar worker, but I used to be one of those who didn't care.

As I grow older, I begin to realize the importance of insurance. I must be very careful in finding a job. If I have five risks and one gold, if I have no money, I should pay as much as I can. I should pay for my own social insurance. Besides, I should like to find out some suitable insurance for myself, such as accident insurance, and so on. The best thing is to buy value-added insurance. Because I am a radical investor, I think that the income is greater than the value of preservation. Therefore, the insurance for the time being is all income oriented and risky, but it also takes the function of killing two birds with one stone, and wants to increase the strength of insurance in the future.

In terms of fund investment, I also value funds based on stocks and mixed stocks, because I have made plans for twenty or thirty years, so I am not too afraid of the ups and downs in the middle, I believe in future earnings.

5. About deposits

Sorry, I only saved my first deposit in my life a month ago. Before that, all my money was distributed in several current savings cards. Although the bank interest rate was not high, I accumulated interest in the long term.

However, I worked very hard, and within a month, I kept a regular period. Later, I found that many short-term financial products of banks are much higher than the current interest rates, but they have flexible demand. I will regularly change to short-term financial products, while looking for a stable bond fund replacement deposit, saving money can not withstand inflation. I have seen many experts suggest that the use of bond funds instead of deposits, and redemption in emergencies will not be uneconomical.

See, friends, recommend some good insurance and funds to me.

6, other investments are still in study, but we are not prepared to spend a lot of energy learning other things.

Guided by the above ideas, my actions are as follows:

1, insist on taking health care products and gym fitness, this cost can not be saved.

2, skin care products have been counted up, enough stockpiling is available, and one or two years will not be a problem. Ha ha, it has been saving money for two years, and it will not be bought in the future, but we must stick to it.

3, the wardrobe and shoe cabinet have been counted up. As a matter of fact, there are too many idle products.

4, I used to overeat before eating, so as to lose weight almost every day in the gym for two hours. I tried to keep my weight and body shape when I was in college, but I wasted time and wasted money. Now I quit snacks, and the food consumption has been reduced by more than a half. The cost of food is only less than 1/3 of the previous time. I don't have to worry that I can't eat enough. Oh, I used to be a big stomach king, and I eat three times more than normal people. This saves me time for going to the gym, and three or four times a week is enough.

5, bought the fund fixed investment, insurance fixed investment, is looking for suitable stock investment.

6, the family family crowded crowded, unexpectedly gathered together a house of Shoufu, it seems that money is the sponge water, squeeze or squeeze, and the day before the three phase of the opening of the day to pay the day, the same house two phase of the late phase than the three phase of the new opening of several tens of thousands of yuan, this is the biggest pride, but this house is not necessarily good to sell, the real estate policy of our country is really very confusing, but I do not worry, we are not buying in big cities, not a big bubble, the appreciation is certain, but the most is to slow down, do not want to live or rent, huh, at least can resist inflation.

7, always like learning, read a doctor, spare time also took a lot of certificates, but before all for interest and cultivate sentiment, now ready to increase investment in financial knowledge, and strive to become more professional within one or two years.

I used to worry that I would lose money because I was in school, which would lead to a decline in the quality of life. Now I am not afraid. The greater the ability, the more people will have to struggle for many years. As long as we fight harder and use intelligence, we can achieve dreams in a shorter time.