How do you get started with investment and financial management?

Then you have to choose according to the size of your principal and the risk you can take.

Xiaobai should first enroll in a financial training class, and then learn more financial knowledge, so that he can get started.

First of all, you need to be clear about the direction of your financial management, and secondly, you can imitate the experience and methods of successful people in this field, so as to avoid unnecessary losses.

Seeing that celebrities' self-created brands are sold**, many fans still buy on their behalf, and I feel that most of the fans are blindly consumingIn fact, most people don't have any financial planning, and they can't help but buy a lot of unnecessary things at home, and they may only use them once or twice, and then never use them again, such as bags and shoes bought by women, and SLRs bought by men.

So, in most cases, I think too well, and you may not be able to save this 1,000 yuan a month.

When should you start your regular investment?

There is no doubt that from now on, it will never be too late. Why should you start? Regardless of the beautiful vision of making money through financial investment, even if we don't want to do anything, how much money do you need to spend after retirement?

Suppose you are now 35 years old, with an annual income of 10,000 yuan, retired at the age of 50, and need to receive a 35-year pension, and you can receive 6,000 yuan from social security every month, in order to keep your quality of life from declining, in these 30 years, your pension gap is 4.02 million yuan!

So, even if you don't want to do anything, you want to earn income through your salary, but the problem of pension is also something you can't face, maybe you didn't realize it before, and you don't know how much it will cost, so I used a calculator to help you figure it out.

How much money to invest?

How much money is the right amount to invest? If you're a newbie, you might as well try 10%-20% of your monthly salary, or you can consider using your incremental salary to invest in your finances, which is exactly what I did.

What is incremental pay? For example, your year-end bonus or additional labor benefits, or the boss has given you a salary increase this year, for example, if it has increased by 1,000 yuan per month, then you can use the 1,000 yuan to make regular financial investment.

Why can incremental wages be tried? Because usually according to our original standard of living, you can still maintain your household expenses even if there is no incremental part. Incremental money is the extra money that can give you an improved quality of life, as the saying goes, "buy, buy, buy".

But if we take it differently and use it for financial management, wouldn't this arrangement be better?

I think it's a good idea, and that's how I put it into practice.

Of course, if you are not a novice and already have some experience in investment and financial management, but you may not know how much to take to manage your finances, and you feel a little unplanned, then I can also give you some reference suggestions.

For ordinary people who want to manage money, it is important to learn how to manage money well, and avoid detours, and understand some entry-level basic knowledge of financial management.

1. Safety is a prerequisite for earnings

Generally speaking, high returns are accompanied by high risks, so before choosing financial management, we must understand the characteristics and risk degree of financial products, and have a general understanding before investing.

If you want to manage your finances based on safety, then for example: buying currency**, bank wealth management products R1 and R2, and bonds** are all good choices for orange trillion, which are low-risk, although the income is not high, but basically there will be no loss, and the income is relatively stable.

2. Don't concentrate on investment when investing, and diversify investment is more secure

Many novices are looking at a **, for example, ****, watching others buy and earn, and then observe for a period of time, it is true that this ** is still relatively high, so it may be a one-time investment of a large amount of money, when the **market** is not good,**, so concentrated investment in the same **, the loss is very large.

If it is a diversified investment, then it is very likely that when this ** falls, that ** is rising, and it will not lose a lot of money.

3. Learn to reduce expected returns

Therefore, when investing and managing money, first of all, we must have a good attitude, and then learn to reduce the expected returns, and be more rational when investing, so that it is easier to relax the mentality appropriately and take the average return as the investment goal.

1. Income. Income is the main investment of financial funds, choose financial products with high liquidity, because people in the world will need to prepare for an emergency, which is a necessary common sense for rational investors. Investors should be able to judge their disposable income level, live within their means, and invest rationally.

Secondly, you also need to consider the stability of your income. This needs to be comprehensively considered from the industry in which the investor works and the development prospects of the company.

2. Investment objectives. If the investment is for the purpose of necessary capital needs such as children's education expenses and medical expenses, it should be regarded as a low-risk inclined type, and products with capital preservation and stable returns should be selected. If it is for personal additional consumption goals, such as buying a house and a car, etc., because of the non-necessity of consumption, so there is a certain risk tolerance, you can consider relatively high-yield products, such as **; If it is for the preservation and appreciation of wealth, it should be a risk-averse type, and it is necessary to allocate investment reasonably, with value preservation as the foundation and appreciation as an auxiliary.

3. Investment experience. Under normal circumstances, people with rich experience in investment and financial management tend to have a higher risk tolerance than those who are novices in financial management, because they already have a certain understanding of the risk-return level and volatility of the capital market, and they also know how to weigh them; As the saying goes, knowing oneself and knowing one's opponent is invincible.

4. Risk appetite. Some investors, regardless of their own financial status, are keen on high-yield investments, that is, risk-appetite investors; And some people insist on keeping in the bank even if they have a large amount of spare money, and at most they buy some almost zero-risk products such as bank wealth management products and treasury bonds, which is a typical risk-averse investor. Investors must have a clear understanding of their risk appetite, so as not to be psychologically unable to bear when they lose money.

First, establish a correct view of money.

Second, sort out the financial situation and change the behavior habits.

Third, learn the knowledge points of financial management.

Fourth, perseverance.

It's still the same old saying, water drops wear stones. No matter what we learn, we always have to be patient and persistent. Because managing money is never a matter of one or two days.

It's a long-term process. Therefore, financial management whites should be prepared for no return in the short term, after all, nothing can be done in one step, only if we do it slowly and patiently, we can reap better results. Therefore, financial novices, slowly, step by step, as long as you persist, I believe there will be a return.

As a financial novice, how should I get started? I think you can first go to a regular bank and ask the wealth manager to introduce you to the better products he sells, and then invest a little less at first.

You should learn more simple financial knowledge, and then thoroughly understand the methods and content of these financial management methods before trying.

When you manage your finances, you must choose formal financial channels, and you must also reasonably distribute your property, and you must not blindly manage your finances when managing your finances.

You should learn relevant knowledge, you should also study relevant courses, and you can check relevant experience, so that you can learn to manage money.

You can buy more books on financial management, or you can ask the financial management staff, and then choose slowly.

Now everyone has some spare money in their hands that they can't spend temporarily, so they want to make some financial investments to increase their passive income and make life more colorful, but many people have not made money after investing for a period of time, and even lost some, I summarized the following reasons:

1.Blindly follow the herd.

Look at what products people buy to make money, follow what products to buy, don't study and analyze carefully, there are many kinds of financial products, the functional characteristics of the products are different, and the products you buy blindly are not necessarily suitable for you.

2.No revenue targets have been set.

3.Single investment product.

Financial literacy is often high returns with high risks, and low returns and low risks. Buy high-risk products, maybe get rich overnight or be penniless, but buy low-risk products is safe and down-to-earth, and the returns are pitiful, which cannot achieve our purpose of investment and financial management.

1.Learn more about professional knowledge.

Learn more about financial management and understand the characteristics of investment products and the reasonable principles of asset allocation.

2.Set your own take-profit and stop-loss targets.

After achieving their own goals, they will be dealt with, they will be sold when they should be sold, they will be bought, and they will be safe in their pockets, and they will not be greedy.

3.Do a good job in the portfolio of wealth management products.

As the saying goes, "don't put all your eggs in one basket", diversification, a combination of high-risk and low-risk products, overall your investment risk is not so great.

A thorough analysis should be done before investing. At the same time, you should also pay attention to the means of managing your finances. Learn some basic financial literacy. And also to invest in some more stable financial products. A small amount of capital should also be invested upfront.

First of all, we must pay attention to the diversification of investment, and we must understand different financial products in advance, we must understand the way and time of income and funds to the account, we must develop the habit of financial management, we must learn more financial knowledge, and do not put all our eggs in the same basket.

You can buy**or**, **It will be relatively stable, there will not be too much risk in this process, and you can also let the other party help you invest and manage your money after purchasing**.

You can go to see how some investment experts manage their money, and learn some of their ways, and you can also learn some financial things.

You can buy some safe financial products, such as well-known financial products are quite good.

As a novice, if you want to invest in financial management, you must first understand your risk tolerance, then make a good financial plan, and finally choose a financial product that suits you.

Many people always think that financial management is someone else's business, thinking that they don't have much money and don't need to manage money, or making excuses that they are too busy at work.

Before a person wants to manage money, he must first have some basic knowledge of financial management, first to distinguish how much risk he can bear, and then choose the type of financial management, there are many types of financial management, such as bank demand, fixed deposit, large certificate of deposit, treasury bonds, bank structured deposits, trust, public offering, private placement, foreign exchange, etc.

At the same time, the purpose of our financial management is to let the money in our hands resist inflation, do not think that financial management is a shortcut to become a rich person, and have too many hopes for the income of financial management, and will eventually let yourself be trapped.

If the personal risk tolerance is small, then you can choose fixed deposits, treasury bonds, large certificates of deposit and other stable investment products, if the personal risk tolerance is strong, you can choose the bond base, **type** or**, provided that you have professional financial investment knowledge.

Because the return and investment risk are directly proportional, there is no financial product that has a short time, low risk and high return.

When you don't have the knowledge of investment and financial management, even if you can earn investment income at present, you will lose it back with your personal strength, and even make you lose by increasing leverage.

Therefore, if you want to get high returns on investment and financial management, you have to have the ability to invest and manage your money to outperform inflation, and you have to have the ability to invest and manage money. 、

Financial knowledge is not a day or two can be learned, it requires a long period of knowledge accumulation, as well as the accumulation of practical skills, when you first start to invest in financial management, first take your personal spare money to test the waters, and then have practical experience to tell friends before the layout of strategic investment.

Don't just invest if you don't understand, don't blindly follow the trend and don't listen to what others say is good to invest in, the most important thing to invest is to have a set of investment system of your own.

Just like us, if you don't know the method, how to choose** easily listen to the introduction of others and follow the trend, even if others can make money, you will lose money yourself, you have to have your own personal ability and personal system, so that you can let yourself eat meat in **.

Do you know how long it takes to double your financial principal?

Here I would like to introduce you to a magic number, this number is 72, also known as the 72 rule, the so-called 72 rule refers to the continuous interest and interest of a wealth management, and the time required to double the value is equal to 72 divided by the annualized rate of return of the investment.

For example, if the annualized rate of return of the wealth management product you invest in is 4%, it takes 18 years to double the compound interest investment, and if the annualized return is 6%, then the time required to double the compound interest investment is 12 years.

For example, if you have a principal of 100,000 and your financial goal is 200,000, you plan to deposit 10 years to turn your 100,000 principal into 200,000.