How to manage money in order to make money, money, money, money, earn more money.（怎么理财才能让钱生钱、钱滚钱,赚更多的钱。）

How to manage money in order to make money, money, money, money, earn more money.（怎么理财才能让钱生钱、钱滚钱,赚更多的钱。） How to manage money in order to make money, money, money, money, earn more money.(怎么理财才能让钱生钱、钱滚钱,赚更多的钱。) How to manage money in order to make money, money, money, money, earn more money?. Stocks, trading, investing, financing, making money First, the five laws of Intelligent Finance You might as well look at these financial laws: The 4321 Law: reasonable allocation of household assets is 40% of household income, for housing and other investment, 30% for household expenses, 20% for bank deposits, for emergency needs, and 10% for insurance. Law 72: no back interest interest deposits, the principal value is equal to twice the time required by the 72 annual rate of return. For example, if you deposit 100 thousand yuan in the bank, the annual interest rate is 2%, the annual compound interest, how many years can get 200 thousand yuan? The answer is 36 years. The 80 law: a reasonable proportion of the stock of total assets equal to 80 minus age number add a percent sign (%). For example, at the age of 30, shares accounted for 50% of the total assets, accounting for 30% at the age of 50. Double ten home insurance law: the right amount of home insurance should set to 10 times the annual household income and expenditure of the appropriate proportion of the premium should be 10% of their family income. Mortgage 31 Law: monthly mortgage amount to no more than 1/3 of the family's total monthly income is appropriate. What is financial management? Money management means money. "You don't manage your money and you ignore it."". Income is like a river, wealth is your reservoir, money is like flowing water. Financial management is to manage the reservoir. There is an old saying Chinese called a fresh Chibian days, life, do a good investment you will live a happy and happy life, not to gamble. Do not know, do not know, do not vote, do not follow the crowd. Some of the money is not yours. Two, financial management of the three links 1, save money: make a spend two, all one's life is poor. One month, 10% of the money is forced out in banks or insurance companies. Many beauties say they can't do it. If your company is not good, the boss is going to cut spending, give you two options, the first is to dismiss you, compensation two months salary, second is your salary of one thousand yuan to nine hundred yuan, you can accept the plan? 99% of people can accept second programs. You give yourself a mandatory savings, sending money directly after the 10% money in the bank or insurance company, do not take this step, you will never have money. 2, born money: funds, stocks, bonds, real estate 3, protect money: days have unexpected circumstances, who do not know what will happen, so to buy insurance for themselves, insurance is an important means of financial management, but not all. Making money is like hitting a well and pumping a steady stream of water into your reservoir, but it's not enough to just dig a well. Build a dam for the reservoir - accident, hospitalization, illness. For example the bankrupt car crash. Plane example: a month if sometimes need to sit ten aircraft, each aircraft taking off and landing some people hands together, not the letter what, but he felt his life again by his master, because do not know what will happen in the sky. Therefore, it is recommended to pay for 500 thousand -200 million accident insurance every time by plane, which is the love and responsibility for the family. This 500 thousand -200 is enough for family and children to live for a period of time. * a center, three basic points: take the tube money as the center, save money as the starting point, take the money as the focal point, and protect the money as the guarantee. Three how much can I start with? Do not care how much, a month to save 100 yuan to buy funds, from 20 years old deposit to 60 years old, is 637800 yuan; 30 years old deposit to 60 years old, is 220 thousand; 40 years old deposit; 70 thousand; 50 years old, 20 thousand. Money born money is a long-distance running champion. Money must start from young age. Money's nature: you don't love me, I don't love you. Girls must stand on their own feet, support the mountain, run by everyone. Four, how to asset allocation?: Individual reservoirs should be divided into three parts. The first: emergency money, 6 months to one year's living expenses. Bank deposits, current, regular, or money market funds. Second: guaranteed money, Three to five years of living expenses, fixed deposit, treasury bonds, commercial pension insurance. Should be guaranteed not to lose, but more than not less things. Third: money, ten years to five years without money, only the money can buy stocks, buy funds, real estate, or a partnership with a friend to open a business with what to do, this kind of investment, it must be money. * stock: stock market, such as tide, how to rise, how to retreat?. Only when the tide receded, we can see who is swimming naked. Point now is not recommended to enter the market, buying a fund is not a good time. There are only three people who can predict the point: a genius, two madmen, and three cheats. Before buying shares, ask yourself three sentences: first, do I have a house and insurance? Second, I have urgent need money? Third, am I prepared to have a strong mind and a good mind? Retired old people should not speculate in stocks, they are unable to bear the financial and spiritual ups and downs in the stock market. A dutiful child should not let your parents stock it. Have you ever seen a line of rich people? This year investors into the market, three years after the 90% will become cannon fodder, only 10% of people can earn money from the stock market, which is law! Six, out of these financial mistakes Misunderstanding one, financial management is a rich man's business. Wrong。 Working families need more financial management, and compared with the rich, they face greater education, pension, medical, housing and other realistic pressure, but also need financial management to increase wealth. Misunderstanding two, with financial management, do not insurance. Wrong。 The main function is to protect the insurance, for families, without insurance is a financial planning. Misunderstanding three, investment operation "short, flat, fast."". Wrong。 Do not think that short-term frequent operation, must earn more money. Misunderstanding four, blindly follow the trend, impulse buying. Wrong。 In the most popular time to enter, often the highest price investment, to rational investment, independent thinking, goods than three. Misunderstanding five, excessive concentration of investment and excessive diversification of investment. Wrong。 The former can not spread risk, which can make investment tracking difficult and can not improve investment efficiency. Misunderstanding six, dare to lose, dare not win. Sell as soon as you rise. Wrong。 There are two types of investment products that can be used for financial management. The main types of investment are: savings, securities, funds, insurance, futures, gold and trust. Non-financial investment categories are: real estate, industrial investment, auction, pawn, collection and so on. Seven, different stages of financing points Experts divide life into five stages of financial management: Single period 2 to 5 years, to work to marriage, income is low, spending big, this period of financial management is not focused on profit, and in the accumulation of experience. Financial advice: 60% high risk, higher long-term return of stocks, stock funds or foreign exchange, futures and other financial products, 30% regular savings, bonds or bond funds is a safe investment tool, 10% savings to prepare for possible period of want or need. Someone asked, "when does the money management start?" Experts say: start from self-reliance. Senior students should start working to save their rents. It's a shame for adults to ask their parents for money again. Family formation period 1 - 5 years, married and children, economic income increased, stable life, focusing on reasonable arrangements for family construction expenses. Financial advice: 50% stock or growth fund, 35% bonds, insurance, 15% current savings, insurance optional, less payment of term insurance, accident insurance, health insurance; Children's education for 20 years, children's education, living expenses soared. Financial advice: 40% stock or growth fund, but more risk avoidance, 40% deposit or treasury bonds for educational expenses, 10% insurance, 10% family emergency fund; Family maturity of 15 years, children work until I retire, life, income peak, suitable for accumulation, focusing on expanding investment. Financial advice: 50% stock or stock funds, 40% regular savings, bonds and insurance, 10% family emergency fund. Near retirement, the proportion of risk investment should be reduced, insurance emphasis on pension, health, major disease insurance, the development of appropriate pension plan; Retirement investment and consumption are more conservative, financial management principles, health first, wealth second, mainly to stability, security, value for the purpose. Financial advice: 10%, stock or stock funds, 50% regular savings, bonds, 40% current savings, more assets may be legitimate tax avoidance, the assets transferred to the next generation. Eight, the habit of financial management 1, thrift: less playing a car, less beauty, eating, less a dish, save money to save up to invest, let money begets money. Rich man begets money, poor man debt raises debt. Saving money and respecting money is the habit of many rich people. Li Jiacheng is known to all the frugal life. One day Mr. Li Jiacheng came out from the hotel, take the car keys out of a coin from his pocket and dropped to the ground, Li Jiacheng bent down to pick up a security guard in India, pick up the money to him, he took the money, out of one hundred Hong Kong dollars from the pocket to the guards, and this dollars for security. Other people were puzzled and asked Mr. Li Jiacheng why he did so. He said, "this is one hundred yuan. I am paid for the service he has given me.". If a dollar coin is not picked up, it may be crushed to the ground and may fall into the ditch. It will be wasted. The money is spent, but it can not be wasted. "We often say that the richer the rich, the more they dig, because they know the money is not easy.". People without money are often poor and generous". 2, accounting: every day billing, can not, then three days can also remember ah. Nine, misunderstanding of financial management 1, financial management is rich people: poor people, rich people can manage money, develop good habits, to invest, let the money to do something. 2, busy, there is no time to play: Mahjong Time, no time to finance? In that year, Chairman Mao kept a daily account. Don't say you don't have the time. 3, financial management is to buy shares to buy insurance: all the money to buy stocks, it is gambling, not financial management. Insurance companies say their products are both secure and save and invest. Why should fund companies do that? 4, less money, financial management has little effect: the secret of financial management is "cherish money, save money, money begets money, perseverance.". " 5, I do not understand financial management: do not understand, you can learn, financial management is not difficult, it is not too late to learn at any time. 6, financial management is rich: wealth management and wealth do not matter. Financial management is a rainy day, to help your wealth safe, steady growth, to achieve the goal of life. 7, financial management to the herd: financial management can not follow the crowd, must be personalized. 8, men and women financial management is not the same: money is the same as everyone, beauty is more impulsive, women in financial management, try to restrain some impulse consumption, you can, if not impulsive, no longer cute. Men "analyze", women feel". Ten, financial management of the five projects: 1, lifetime abide by your income Muhammad Tyson started Boxing at the age of 20, at the age of 40 to earn nearly $400 million, but he spend too recklessly, the villa has more than 100 rooms, dozens of cars, tigers as pets, the results by the end of 2004, he went bankrupt owed $10 million in state tax bureau. If you are not born with a golden key, the enjoyment should be 40 years later, young must pay and struggle, the old poor is the most bitter thing. 2 don't let debt get entangled in your life Mortgage slave, car mortgage slave, card slave. The negative Chinese are 28-35 years old. Buy 100 Ping house in Hunan, such as 300 thousand, down 20%6 million, taxes, 20 thousand 80 thousand, 20 thousand 20 thousand interior decoration, household appliances and valuables, not not to live in 200 thousand. Monthly repayment should be less than 30% of the income, 50% will be very uncomfortable. Think whether you have the financial ability to buy a house is a house. Car slaves are even more, and cars are in constant consumption. Japan's rich people carry the lunch box to take the public transportation every day. Check the audience's wallets: college students, monthly consumption 1800. Beijing graduates, 3000 monthly salary, undergraduate 2000, young people do not have illusions about the future of life. To change your life, start with a little money, return your card, return your car, return your room -- save up – invest. You can never count on banks, get rid of your finances and repay your debts instead of paying them back. 3, a husband, a wife, a child Marriage is not the greatest wealth, it is the greatest debt. Don't divorce easily. 4, pay attention to an investment 5, don't dream of getting rich overnight There is no pie in the sky. What is there in the sky? Rain, snow, dust storms, and occasionally drop a flowerpot, what, there will be no pie fall, there is a saying in China, "money does not enter the emergency door."". The chances of a year of 40%-50% are incredible. To think about other people's motives, things that sound too perfect are often not true. Many of the lottery winners were ten years old, poor, because they bought big houses, bought cars, and drilled dozens of poor relatives. The spirit also stand like Fan4 jin4 Zhongju, suddenly fainted. Ask yourself six questions when you are given a seemingly good investment opportunity (for example, a property hotel): 1, who is selling my things, the other side of the credibility of how? 2. What have I done with my money? 3, what money do I earn, profit model?. 4, is the yield reasonable? Annual income 1%-5% low, 5%-8% medium, more than 8% high 5, if I don't throw it, sell it? 6, if you can't sell it, can you use it for yourself? Six questions, if there are more than two questions, it is not credible.