How should we look at investment and financial management correctly?

Now there are many companies engaged in investment and financial management, they under the guise of supporting small and medium-sized enterprises, vigorously advertise, engage in publicity, illegally raise funds to absorb public deposits, some of them have escaped with money, some have squandered it, they have all violated the law, many of our people have been deceived by investment, and they have not got a penny back until now, so we want to buy investment and wealth management products, we must go through formal channels, do not be greedy for usury, and buy wealth management products issued by the country's five major banks, which are still reliable.

SendKing believes that investment is a part of your life, a part of your growth, a part of your life, please take investment and financial management as a lifelong thing, as long as you are ready, you can start investing at any time, but don't expect to make a lot of money right away, the learning and progress of investment and financial management is a long-term process.

The ultimate intention of investment and financial management is to ensure the quality of life of the family, and the value of the property is maintained and increased. It is not that some people think that "financial management is to make money", etc., because investment and financial management is not opportunistic, investment and financial management is to increase wealth under the condition of ensuring the safety of funds.

2. Be clear about family and personal risk tolerance.

When I often conduct financial examinations for many families and individuals, many people are confused about their families and their own finances, and do not know how much risk tolerance their families and individuals have, so that they are blind to invest. In this case, "diligent bookkeeping" is the best way to do this.

3. Have the courage to invest.

The increase in salary cannot keep up with the increase in CPI, and the money deposited in the bank will only shrink the wealth, so it is necessary to invest reasonably and increase the value of the property. Although the number of wealth management products in the market has increased, the danger is greater. The author advocates for the family and the individual.

At present, the importance of investment and financial management in the society has become higher and higher, investment and financial management has become a skill that we must learn, if we learn to manage money, in order to increase the wealth, your life will become better, so what are the benefits of investment and financial management?

What are the benefits of investing in financial management?

1. Improve the quality of life.

Rational investment and financial management can improve our economic situation to a large extent, thereby improving the quality of life and increasing the joy of life.

2. Ensure that the elderly are supported.

In order to ensure the affluence of life in old age, it is necessary to formulate a financial plan as early as possible, and the pension plan should consider the retirement age, the expected annual cost of living after retirement, the expected inflation rate, and the expected annual return on investment after retirement.

3. Ensure the safety of funds.

Security of funds. It includes the meaning of ensuring the integrity of the amount of funds and ensuring that the value of funds does not decrease. It is necessary to have a restrained attitude, not to earn as much as possible, but to be clear about the risks and returns of financial products.

4. Maintain and increase the value of existing assets.

Asset appreciation is the common goal of every financial manager, and different age groups have different stages of financial needs. When you are young, you need to start a family and buy a house. When you are middle-aged, you need to save up for your children's education and provide for your parents. When you are old, you need to consider pension and other issues, and you need funds.

5. Resist accidents.

The right financial plan can help us minimize losses when risks arise.

There are many people who think that only the rich will go to financial management, this idea is wrong, people with less assets can also manage money, you just need to take out a little money regularly to invest in financial management, and for a long time, then your wealth will accumulate more and more, if you decide to start financial management, then your consumption should be reasonable, reduce those unnecessary expenses, rationally allocate your own funds, reduce daily expenses, and take part of the remaining funds for emergency use, and the other part for investment and financial management, In addition, financial management is risky, and you need to have an understanding of your risk tolerance.

Myth 1: Rush for quick success.

At present, many commercial banks have set up wealth management studios, where senior experts tailor financial plans for customers. But almost every customer comes to the door and the first thing they say is "how much can my money increase" or "how high can you give me a yield". This is obviously a bit too rushed.

Generally speaking, there are two types of financial management: life financial management and investment financial management. In foreign countries, professional financial planners will design financial plans and help customers implement them according to their income, assets, liabilities, etc., and on the premise of fully considering their risk tolerance. In China, the vast majority of families arrange their own personal assets.

At present, the main financial channels available are savings, bonds, insurance, real estate, etc. The selection of varieties, the distribution of proportions, and the control of risks are the keys to formulating a financial plan. If you don't have enough financial literacy, you can ask a financial expert for help.

Myth 2: Too conservative.

Although there are tens of millions of investors, and the investment team in the bond market and foreign exchange market is also getting bigger and bigger, there are still many people who stick to the only way to manage their money: saving money. "Gathering sand into a tower" and "dripping water through the stone" are the true meaning of financial management that they adhere to.

The money stored in the bank is always just an empty number on the passbook, and it does not have the best investment function or insurance protection function.

Therefore, financial experts suggest that the best way to manage money is to reasonably divert deposits according to age, income status and expectations, and risk tolerance, so that they can form personal or family assets in different forms. The expert also offers a portfolio of assets designed for 25-year-old white-collar workers: real estate 10%, cash 5%, bonds 20%, **65%.

Myth 3: Cover everything.

Buy a little, buy a little, foreign exchange, **, insurance, personal assets are evenly or unevenly distributed in each investment channel. "The East is not bright and the West is bright", there is always a place to make money - this is the idea of financial management pursued by many people at present.

For ordinary people who do not have too many assets, the relative concentration of superior forces can make the maximum benefit of limited funds. Of course, if all the surplus money is bought, or all the belongings are used for real estate investment, it will also bring the hidden danger of too concentrated risk.

So, to paraphrase the famous economist James, who won the Nobel Prize. Tobin's theory, "Don't put all your eggs in one basket", but don't put too many baskets either.

As far as China's current ** is concerned, there is no investment, only speculation, and there are many ways to invest and manage money, such as: speculation, foreign exchange speculation, gold speculation, speculation, etc.

Financial management is the management of a lifetime's wealth, that is, the cash flow and risk management of an individual's life.

1. Accumulate wealth and benefit from investment - savings.

2. Be prepared for danger in times of peace - insurance.

3. Pets of investment - **.

4. Moderately profitable investment - bonds.

5. Expert financial management - investment**.

6. Foreign exchange investment.

7. Investment.

8. Investment - you will never change.

9. Real estate investment - high input and high output.

10. Collectibles investment - the organic combination of art and money.

When people talk about financial management, what they think of is not investment, but making money. In fact, the scope of financial management is very wide, and financial management is the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:

Financial management is a lifelong financial management, not just a solution to an urgent financial problem.

Financial management is cash flow management, and everyone needs to use money (cash outflow) and make money to generate cash inflow from birth. Therefore, whether you have money or not, everyone needs to manage their finances.

Wealth management also covers risk management. Because there is uncertainty about more future flows, including personal risk, property risk and market risk, it will affect cash inflows (income interruption risk) or cash outflows (expense escalation risk).

As mentioned above, investment and financial management is to make money for the purpose of making money, a way to make money, compared with mental work, physical work, similar

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...

It's the same as why you want to eat and sleep. Keeping money in a bank is purely depreciating, and investing can increase the value of assets.

In order to preserve and increase the value of assets.

Because it is now a socialist society, it needs money to sustain life, not a primitive society, and uses violence to solve the problem of food and clothing.

Investment and wealth management refers to the rational arrangement of funds, the use of investment and wealth management tools such as savings, bank wealth management products and other investment and wealth management tools to manage and distribute the assets of individuals, families, enterprises and institutions, to achieve the purpose of maintaining and increasing value, so as to accelerate the growth of assets.