Talk about the understanding of investment and financial management, and the relationship between in

After running more than a dozen laps, I was too tired to go to 80

Broadly speaking, investment and financial management are inclusive relationships, and financial management includes investment, that is to say, investment is an integral part of financial management. Generally speaking, investment is to put money in a certain channel or some products to increase value, preservation, value, the purpose is to obtain profits, it focuses on the liquidity and yield of funds.

Financial management is to help people arrange their income and expenditure more reasonably, so as to achieve financial security and worry-free life, rather than simply pursuing the preservation or appreciation of assets.

Extended Information: The Difference Between Investment and Wealth Management:

First, the goals are different. Generally speaking, investment is to put money in a certain channel or certain products to increase value, maintain value, and add value, the purpose of which is to obtain profits, and it focuses on the liquidity and yield of funds. Financial management is not to make money, but to help people arrange their income and expenditure more reasonably, so as to achieve financial security and worry-free life, rather than simply pursuing the preservation of assets.

Clause. Second, the decision-making process is different. In the design and implementation of financial management plans, it is necessary to consider not only the factors of the market environment, but more importantly, all aspects of the individual and family, including life goals, financial needs, assets and liabilities, income and expenditure, etc., and even the individual's personality characteristics, risk appetite, investment characteristics, health status, etc.

In the investment decision, it is based on the judgment and grasp of the market trend, and the main consideration is the rate of return, and rarely considers the other needs of the individual.

Clause. Third, the results are different. The result of the investment is to obtain income and achieve the preservation and appreciation of the value of the asset, but it may also bear a certain amount of loss due to risk.

Financial management is to make our future life richer, better quality, and healthier and happier for our family members under the current asset and income situation. Clause.

Fourth, the scope of coverage is different. Specifically, the investment channels of individuals and households mainly include financial markets.

and assets such as real estate, gold, silver and jewelry, stamps, antiques, or industrial investments such as individual shops and small businesses.

Wait. Financial management is much more diverse, covering all aspects of personal and family income and expenditure.

Financial management increases the income after sleeping, and avoids the risk of depreciation to a certain extent.

How to say this, that is, no matter who you have, you have to learn to manage money, there are many kinds of financial management, the most traditional financial management is bank deposits, fixed or current; You can buy some **, the risk of this is relatively small, the interest rate of return is low, higher than bank deposits; You can buy**, the rate of return is higher, and the risk is relatively large.

Preservation and appreciation of value.

In 1980, pork was a dollar a pound, what is the average price of pork now? About 30 yuan, the current ** is almost 30 times that of that time; Eggs were almost 5 cents a piece at that time, and now eggs are about 1 yuan a piece, and the current ** is 50 times that of before.

Now when it comes to buying a house, basically using a mortgage, you must know that in the past, Chinese were very reluctant to buy a house with a loan, because they had to pay high interest and handling fees. But now everyone understands that cash for not buying a house will depreciate, and from a decades perspective, if the currency depreciates, the loan will be even more cost-effective. Therefore, every person and every family needs to preserve and increase the value of their property.

Be prepared for financial management.

Investment and financial management undoubtedly require a systematic plan and professional knowledge, and most importantly, a long-term practice process. So, it's not just about managing money, it's also a lifestyle choice.

Do you choose an unplanned lifestyle, are you caught off guard when faced with unpredictable or unknown circumstances, or are you prepared? When you encounter a major illness and need a large amount of medical expenses, even if your financial situation is relatively good, it is generally difficult to come up with the money immediately, and you can only find someone to borrow. However, a family with a good financial plan may have already purchased relevant insurance products, or have a very reasonable plan for the family's cash flow funds, which can be quickly allocated and realized.

There are also many moonlight clans who may not have low incomes themselves, but spend money without planning and moderation. When you really need money, you can only find someone to borrow or gnaw at the old. This kind of non-independent life state and way is the inevitable result of not knowing how to manage money.

Investing and managing money is a family responsibility.

We all play the roles of children, parents, friends, employees, bosses, etc., which means that we need to take on a lot of responsibilities. For example, to support parents, raise children, start a business or start a business, all of these need to be supported by material things. Even if you are a person who does not seek general success, you need to solve basic material problems first.

So, even if you choose poetry and distance, please don't let your loved ones live there.

To tell the truth, investment and financial management are really important, as the saying goes, if you don't manage money, it makes sense that financial luck is difficult to come by, and in terms of the current inflation rate, funds have been idle and will depreciate, so many people are now emphasizing the importance of financial management. Not only that, how to manage money is also a very hot topic, as far as I am concerned, I think the safe method will be better, the national foreign trade, is the method of foreign trade, a time of 30 days, you can get 1.2% of the profit, the key is that they also have electronic contracts and commitments, and it is a way to make money, and money is in and out, only in and out or only in and out will not grow, so we still have to pay attention to investment and financial management.

Of course, investment and financial management are important.

Don't create a pessimistic situation, and talk about the devaluation of the currency as a little scary.

How to float ordinary people into it.

If you don't replenish the underlying blood, how can you drive the liquidity of the market?

(1) From a general perspective: personal investment and financial management behavior is to ensure the circulation of social funds, and to achieve social reproduction through the circulation of funds.

Social funds flow from the enterprise sector to the resident sector in the form of wages and other income, and the resident sector consumes the products through the purchase and consumption of products, which in turn makes the funds flow back to the enterprise sector for reproduction. When the income of the residential sector is greater than the consumption, the question of how to return the surplus funds of the residential sector to the enterprise sector will inevitably arise, and the investment behavior of individuals will become the key link in ensuring the circulation of social funds and realizing social reproduction. Therefore, in a market economy, everyone is both a consumer and an investor.

2) From a small aspect: personal investment and financial management is not only as simple as mobilizing personal funds, but also the income obtained through investment and financial management can be used to change their own quality of life, and can also improve the quality of life of the family. In the process of investment and financial management, it also provides financial protection for the unpredictable hidden dangers in the future, and also invisibly reserves the future pension needs.

In terms of how to understand personal finance and how to think about the necessity of personal investment and financial management, investors are independent individuals, so everyone's understanding is very different, but the ultimate goal is the same.

Nowadays, it is difficult for ordinary people to outperform inflation only by relying on their dead wages, and investment and financial management can increase wealth and even outperform inflation.

This is of course important! If you accidentally go back to the pre-liberation period all at once!