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Young People'S Financial Management Agreement

2011/3/1 15:07:00 52

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With the increase of household disposable income, people's

Conduct financial pactions

Consciousness is slowly taking shape.

Young people under thirty have gradually become the main force in creating social wealth. But if we look at the 80 generation of the collective "rush three", we find that most of them are unwilling to manage finances, do not know how to manage money, and do not manage money well. "Moonlight", "Ken Lao" and "house slave" have become the pronoun for more and more years.

However, the following five financial rules can help young people to manage their financial life more smoothly in the future.

There is no doubt that the importance of saving under the "Double Tenth agreement".

As young people should increase their savings, in fact, saving money is much simpler than open source.

The growth of salary can never satisfy the expansion of desire. If young people who are accustomed to big habits are supposed to think about the reason why they leave their money in every pocket, the answer is naturally negative.

Well, sign it first.

Finance

The "double ten agreement" starts its own way of financial management, reducing 10% daily expenses and saving 10% of each income for savings.

The magic of enjoying the compound interest is Einstein's compound interest of "the eighth wonders of the world", revealing the secret of rapid growth of wealth.

A person who has invested 10000 yuan a year from the age of more than 20 is compared to a person who has invested 20000 yuan annually from 30 years old.

If the annual income is 15%, then when they are 40 years old, the former will be much richer than the latter.

Because there are three factors that affect wealth growth:

capital

Time and rate of return.

Obviously, enjoying the magic of compound interest as early as possible is the best way to make assets grow rapidly.

Asking experts for investment and financial management is a comprehensive subject, involving macroeconomics, industry analysis, Tax finance, laws and regulations, and many other fields.

Accumulation of investment and financial knowledge requires a long process of learning and practice.

Oota Naomi, a young man who has received systematic study in this field, is very difficult to carry out.

Therefore, we should listen to the advice of specialists in these areas before investing, such as suggestions from relatives or friends, or seek help from full-time financial planners, such as securities, insurance, banks and other financial institutions.

It is good for us to analyze our situation objectively before investing, and choose the direction and amount of investment according to age, income, assets, family expenses, time and energy, investment objectives, years of life and risk tolerance.

Some projects, watching others earn money, blindly follow the trend of investment, the result is often not because of lack of experience in the field, that is, changes in the operating environment not only make money, or even lose money.

Experience tells us not to invest in areas that you are not familiar with, or in areas where professional investment managers think they should not invest.

Prudent investment, fraud prevention, if money is used to build risky investments on illusory basis, it will be doomed to lose all assets if listening to the swindling promise of cheaters.

If a person promises to get an investment return far more than the market average return every year, then all you have to do is leave immediately.

"Gamble tomorrow" or "enjoy the present" white-collar family financing crossroads

Buy a house? Buy a base or do it in a happy way? The morning post asked experts to make "holographic investment and financial advice" for an ordinary citizen family. As Li Qingzhao's famous voice slow sings, "when it's warm and cold, it's the hardest part to rest."

The current domestic and foreign economic situation, which has just recovered from the financial crisis, is also hard for people to feel "ready to rest".

Under the restriction order, the white-collar dream of buying a house can not be lived in Beijing.

Beijing housing "restriction order" is constantly upgrading, from loan to purchase, to the "most stringent" restriction rules promulgated in February 16th. Nowadays, non Beijing residents will not be able to buy houses if they can not provide 5 consecutive years of tax payment certificates in Beijing.

Deciphering the billionaire's magic formula for making money.

When I was little, my mother told me to study hard and succeed in the future.

If the definition of success is a lot of money in a bank account, mom may not be right.

According to Millionaire's psychology: the millionaire's GPA score is 2.9, that is, B below average. Meanwhile, the average SAT score of applying for university is 1190, not Harvard Yale.

According to the American Express Harrison survey, 59% of millionaires only read state universities instead of private ones.