Do the post 90s generation need to manage their finances? A method suitable for the post 90s generat

No, you don't. He said:"Before the age of 20, 100% success in the career is achieved by hard work; Between the ages of 20 and 30, there is already some foundation for the career, and 10% of the success of those 10 years is due to good luck, and 90% is due to hard work; After the age of 30, the rate of opportunity gradually increases; By now, luck is about three to four percent.

The same is true for financial management, before the age of 20, all the money is obtained by hard work with both hands, between the ages of 20 and 30 is the time to work hard to make money and save money, after the age of 30, the importance of investment and financial management gradually increases, and the money earned in middle age is no longer important, but how to manage money is more important at this time. <>

Personally, I think that some young people have a high level of attention to financial management, and if they have a lot of money, they can do this with a playful mentality and with little money. If young people spend their energy on paying attention to money, there will be less fun in life, money is not all about life, people who pay too much attention to money will live very tired, and their sense of happiness will be reduced, and values determine people's life philosophy.

1. What is Regular Investment?

**Regular investment is: spend a fixed amount of money at a fixed time to buy a fixed one**.

For those who have just graduated and do not have much savings, they can take out a few hundred yuan from their income every month for regular investment, which will not have a great impact on the quality of life, and can form good financial management habits and control their indiscriminate spending of money.

So, since it is said that ** regular investment is a low-pain deposit method, why not just store the money in the bank card, but go to the regular investment? Let's take a look at what kind of income will be brought by regular investment.

2. What is the return of regular investment?

For example, the monthly regular investment of Harvest Wealth Management increased by 1,000 yuan, insisted on 5 years (historical results in the past 5 years), invested a total of 60,000 yuan, and earned 65% of a total of 10,000 yuan, with a compound annualized rate of return.

Then I was super willpowered, and I persevered for another 5 years.

Monthly regular investment Harvest Wealth Management increased by 1,000 yuan, adhered to 10 years (historical results in the past 10 years), invested a total of 120,000 yuan, and earned 156% of a total of 300,000 yuan, with a compound annualized rate of return.

Then you can see why you don't just save money, right?

3. Is there any risk in regular investment?

Of course! There is no investment method that is risk-free, but regular investment is often used as a long-term investment method, which spreads the cost and risks compared with other methods.

This will include the question of "when to start regular investment". The key to investment is to buy low and sell high, so even if it is a regular investment for long-term investment, the starting point can be selected to start at the bottom of the market, in an upward trend. It's best to make money in the market.

However, we can't judge the bottom of the market, in addition to good fate, can we choose the most understandable ** type to start the road of regular investment?

4. Regular investment starts from the index**

The reason why the index ** is the first choice for regular investment is because it is less disturbed by human factors, but it only tracks the index, we choose an index that we think has an upward growth trend, and we may achieve good returns if we invest in it.

How can you understand what the index is in seconds, take the CSI 300 index as an example, the CSI 300 is one of the 300 largest in China, and it is the leader of all walks of life. If you believe in the economic development and prosperity of the motherland, just buy the ** that tracks the CSI 300 index.

Finally, regular investment is the same as many things, it sounds very simple, but if you want to do well, you have to stick to it for a long time, in order to belong to your own treasury, are you ready?