Why learn about investment and financial management? Is it necessary to learn about investment and f

To live is to eat, to eat is to work, and to work is to have income. If you have property, you must know how to defend it. We are in a constant state of inflation, where the deposits in the bank will become less and less valuable, and the same dollar will buy less than before.

The purpose of investment and wealth management should be to protect and increase the capital. Depositing money in the bank on a regular basis is also a kind of investment and financial management.

Financial freedom is defined as passive income greater than expenses. Man's desires are endless, the old small desires are satisfied, and the new and greater desires are born. Financial freedom is relative, and only after satisfying basic material and spiritual needs can people be free by jumping out of the drive of desire.

Achieve financial freedom. You can't rely on dead wages all the time, which will slowly be eaten up by inflation.

Under the influence of parents and relatives from childhood to adulthood, the way to success has been instilled is to study hard, study hard to get good grades, get good grades and get good grades to enter a prestigious university, and then you can have a high-paying job, and then you can have a happy life, but when you graduate and join the society...

Let the money "come alive" through financial management, the legendary money makes money, and can make the money in this "changing" environment, maintain and increase the value without falling in price

Indeed, you need to learn more about financial management, you can go to the official website of Zhongyi Loan to learn about it.

If you want to manage your finances, you can come to Zhongyi, with an annual rate of return, established in 2014, and a trading volume of 100 million.

Manage your finances better.

Why learn about investment and financial management? There are three main aspects:

1. Financial management is a part of personal life.

Whether you realize it or not, everyone's plan for their own life is actually a kind of financial management in a sense, but the resources managed are just themselves. When consumers begin to live independently, their daily income and expenses will directly determine the quality of life they can have, and it can be said that everyone must be able to budget and plan their own finances, which is a necessary means to ensure that they can live a normal and high-quality life.

2. Financial management is the safest way to accumulate capital.

Wealth management is not investment, wealth management pursues stable asset appreciation, and consumers need to understand this clearly. In the process of managing money, you should be able to choose a formal and reasonable way.

3. Preserve the value of assets.

Financial management is a way to ensure that ordinary consumers can appreciate their resources after having a certain amount of asset resources, after all, pie will not fall from the sky, if consumers do not use effective means and methods, their assets are unlikely to appreciate automatically.

The importance of personal learning to manage money is for you to learn to spend money, and money is spent wisely. Through financial management, we can make use of the idle money that we don't need, let the money bring us money, improve our ability to control money, grasp the flow of money, improve our financial management ability and judgment, so as to further improve our living standards. The sooner you start managing your finances, the better.

Under the influence of parents and relatives from childhood to adulthood, the way to success has been instilled is to study hard, study hard to get good grades, get good grades and get good grades to enter a prestigious university, and then you can have a high-paying job, and then you can have a happy life, but when you graduate and join the society...

Want to retire 20 years early, and it's getting out of reach? Everything is rising, but salaries are not rising. Guarding the dead salary, I am afraid that it will be difficult to turn over.

What are some ways to make money, which are not too difficult and suitable for the general public? The answer is investment and financial management. Beginners start with understanding why they should invest and manage their finances.

It's necessary. 1. Financial management allows us to better understand our financial situation.

The reason why "financial management" is called financial management is essentially the meaning of taking care of or managing family property.

Who knows exactly how many assets they have and how many liabilities they have? Therefore, the first step in financial management is to keep accounts, and only through bookkeeping can you accurately understand your family's financial situation. I am also keeping accounts now, which gives me a clear picture of my expenses and income, so that I can allocate my family assets wisely.

2. Financial management makes our spending more regular.

After learning more about our financial situation, we can find the crux of the financial problem by analyzing the accounts, and then improve it in a targeted manner. For example, if we find that the proportion of social expenses is too high, then we should try to minimize going out to socialize and cook more food at home. If we find that there is more entertainment spending and less learning spending, then we can target less entertainment spending and more learning spending.

Through this purposeful continuous improvement, our daily expenses become more and more regular. Money is spent where it is spent, not wasted, and then the saved money can be invested and used to make money. The more regular a person's life is, the healthier the body will become; In the same way, the more regular a person's expenses are, the healthier their finances will become.

3. Financial management makes us feel more secure.

We all worry about losing our income** because we lose our jobs, that we or our family members are getting sick, and that we won't be able to pay for our high medical bills. If we can manage our finances reasonably, let our wealth gradually increase, increase our ability to resist risks when there are risks, and increase our sense of security. When you are old, you can still have a pension for yourself.

4. Financial management gives us a greater sense of purpose.

In order to improve their quality of life, many people work hard, work hard to make money, and after earning their wages, they spend all of them, and then continue to work hard. This so-called moonlight clan makes many young people unable to find the meaning of life, because they do not have the means to restrain themselves from spending money, resulting in boredom with work.

And financial management provides us with a higher goal: financial freedom! The so-called freedom is to make money through money, and this also requires a certain method of operation.

If you are a conservative person, then you can choose bank wealth management products or regular investment and other ways to steadily increase your wealth, if you are a radical, then you can choose **, I have a few colleagues who are very good**, although they do not earn much every year, but they can also earn a small tens of thousands of dollars, for ordinary people, this is very wow.

Of course, the purpose of learning financial management is not to completely eliminate active income and rely only on passive income to survive. It's about putting yourself in a state of financial freedom, and then freely choosing the careers you are interested in, and earning active income through these causes. In this way, not only will we have a more lucrative income, but also a more meaningful life, and ultimately a more perfect life.

I think it's very important to learn how to invest and manage your finances. Whether or not to sign up for a class depends on each person's specific situation and the course he wants to report. The ability to manage money is not achieved overnight, and the knowledge involved in financial management is also very extensive.

It is very necessary to learn financial knowledge and investment skills. For example, you can read books such as "Index Investment History Companion Guide", "Interpretation", "Investment from Beginner to Proficient" and other books.

Extended Information:1The term "financial management" was first seen in the newspapers in the early 90s of the 20th century.

With the expansion of China's first-class bond market, the increasing enrichment of commercial banking and retail business and the increase in the overall income of citizens year by year, the concept of "wealth management" has gradually become popular. Personal financial management varieties can be roughly divided into personal assets and personal liabilities, such as common assets, bonds, deposits, life insurance, etc., which belong to personal assets; Personal housing mortgage loans and personal consumption credit belong to the varieties of personal debt.

2.To the bank, ** corporate wealth management needs to open a corresponding wealth management account. Generally speaking, through the wealth management account opened by the bank, you can handle savings products and bank wealth management products and ** products, and large banks can also purchase them through the banking system.

Due to the wide distribution of bank outlets, investment and wealth management accounts opened through banking channels can be handled at the bank counter.

3.The wealth management account opened by the company can be used for investment in a series of investment and wealth management tools such as (including A shares, B shares, H shares, etc.), bonds (including treasury bonds, corporate bonds, corporate bonds, etc.), (including finance, such as stock index, foreign exchange, etc., commodities, agricultural products, etc.). The opening of the ** account can be handled at the business department of each ** company, <>

It needs to be done within the trading day.

4.The procedures of the investment company are more convenient, and generally only need to provide a copy of your ID card and bank card. Investment companies will also customize exclusive financial plans for customers.

5.Financial management level: The first level is to effectively and reasonably handle and use money, so that one's money can be spent to the greatest extent, so as to achieve the purpose of meeting the needs of daily life to the greatest extent.

The second level is to invest the surplus money to generate the best financial returns, that is, the level of making money.

The first three levels are life planning from a financial point of view, using the existing economic and financial conditions to maximize oneself.

I wish him good health and a happy life!

If you don't manage your money, your money will ignore you, and if you don't manage your money, your assets will depreciate.

Today's rich people let their children who are still in primary school learn financial management, participate in interesting financial management lectures in banks, and let them manage the money in their hands, the purpose is to let their children learn financial knowledge as soon as possible. When other people's children play mud and computer games, rich people let their children go to summer camps and winter camps to exercise, so that they can learn to take care of the "little money" in their hands. Riding a bull and watching a bear thinks that the story of "a talented man from a poor family" has become an old saying in the past, and now rich people pay more attention to children's learning, and use money to smash out children's hobbies.

American investment guru Warren Buffett started investing at the age of 11, everything he has is earned from the market, he now has a worth of $40 billion, and is still enjoying the game of "money makes money" in the financial market. For these super-rich people, money is no longer something they want to pursue, they want to feel the happiness of capital growth through financial management, when others feel that it is difficult to make money, some people are "stealing fun", just like Warren Buffett said: "As long as I am given enough time, nothing is impossible!"

If you say, "Warren Buffett is a god-like being, how can I compare with him, he is a master who has always won!" However, the fact is that 11-year-old Buffett invested his and his sister's pocket money**, and eventually suffered continuous losses; When he was 20 years old, he was in college, and other classmates were playing around, but he went to the library every day to learn all kinds of financial information in Dongqin, and it was this kind of mentality that made him directly enter a financial company after graduation, and finally established his own investment company.

However, the earlier you make financial investment, the lower the cost of trial and error, and you can respond more rationally to various situations when you have money in the future, which is also a rational investment caused by financial experience.