Today is the last working day of the end of the 17th month, my thoughts are myriad, I work hard and write a code article.
I have written an article to tell you that I hope you can master three abilities in school: English, writing and reading. Just don’t know how you perform, the end still hope that you can master basic computer skills and a little bit extra in economic and financial knowledge, most of the above mentioned must depend on oneself, executive force is very important, as for the economic and financial, I’d like to start to talk about the related finance and investment, I have emphasized hope you dabbled in goods business education, Unfortunately, this part of the content will not be taught in school, of course, this can not be taught, today I take the opportunity to write this article to tell you about investment and finance, as well as some of my own views on investment and finance.
But I was still in school are not this kind of concept, in began to contact the society after six months, this may benefit from what they engaged in the Internet industry, related to its environment is of course, although has been the extra money is not much, but this still learned a lot over the past two years of related knowledge and ideas, There is also a lot of improvement in their own cognition.
Personally, I think investment and financial management is very important. Many people always think that they have little savings or that they are consumers, so they don’t care about investment at all. In fact, this is a wrong idea. This in itself includes expectations for the future life and investment in the future life; When you leave the society and start to work in a few years, if you don’t invest and manage financial affairs and don’t try when you save 10 or 100 dollars, you will regret it when you save 10 or 100 dollars. Capital needs to be accumulated. Even if you are still a consumer, you can learn some financial knowledge in advance.
In the final analysis, the ultimate purpose of our study and work is to survive, and we hope that the ideal state of struggle is to achieve food and clothing, no constraints on work, no economic troubles, also no food, rice, oil and salt worries, can do what you want to do. So in recent years, many people advocate “financial freedom”, but is a false concept financial freedom, not many people can the real financial freedom, but we always look forward to, in addition to work, also can earn as much as possible, there are some extra income, or “passive income”, even if not achieve financial freedom, but at least we have to try for this direction.
And there are many ways to increase passive income, and I’ll talk to you later about the ways to increase passive income. Investment and financial management is one of them, and it is actually a very advanced way to increase passive income, to make money with money.
In a broad sense, investment and financial management can be divided into two parts, one is investment, the other is financial management.
Investments can be thought of as high risk, high reward, such as stocks, bonds, gold, futures, and even the recently popular bitcoin. The risk is very high, but the return is also very high. , that I say a popular point, “university”, it can make your educational career more complete, but in the university entrance threshold annual reduction, uneven distribution of university resources in this era, this is the need for relatively high economic investment, that its risk is: after reading university, not necessarily to find a good job…. It all depends on what you learn in college, but this is just my understanding. For those of you who are not knowledgeable, there is no need to play these things too much now. It is about everyone’s risk tolerance. To be honest, I have never played this kind of investment, but I can understand it.
Financial management is much simpler. There are a lot of financial products on the market, including kindergarten level bank deposits and first-grade monetary funds (Yu ‘ebao..). , fixed income products in grade 2, fixed investment in Grade 3, mixed funds in Grade 4, equity funds in Grade 5, and asset allocation in grade 6. In this pyramid (from the lower grade to the higher grade), risks and returns are always proportional. A few days ago, I let you test the water and buy a base with a slightly higher interest rate than Yu ‘ebao. You can see the difference in returns within a month, and if this difference is prolonged, the returns will definitely shock you.
In the past, many people will put the money bank, but it’s annual interest rate is very low, save bank money income of interest was not inflation, however, the bank while wool, nowadays because of the popularity of alipay, a lot of people to keep money in the balances treasure, at the time of the balance as treasure is very high, annual interest rate is as high as 4.5%, only 3.9% now. The advantages are not what they used to be, although they are still much higher than banks, with little risk. My own money, bank card and Yu ‘ebao are very small, and I only reserve some emergency funds. I strongly suggest that you can use idle funds to buy financial management. Although it won’t make you rich, you can try your best to preserve your assets in today’s inflationary world.
In this society, those who do not know how to make money can hardly accumulate wealth. In this world, the rich are getting richer and the poor are getting poorer. In essence, the rich know how to make money, and even borrow money to make money, while the poor only keep their money in the bank.
More than just talk about the concept of the finance and investment and consciousness, must have this consciousness as early as possible, this will increase your sensitivity to the money, and then meet you it will be easier to seize some opportunities, but, but, the attention does not suggest that you spend huge energy in this respect, you know, the biggest investment, investment must be yourself, spend time on their ability to ascend, Is the most worthwhile.