Everyone yearns for financial freedom. In such an era when knowledge is valuable, there are too many ways to acquire wealth through one's own skills and domain knowledge. But why do we still feel "poorer and poorer" after studying hard and working hard at the cold window?
Some time ago, I saw a group of data surveys showing that in the past 10 years, the average starting salary of college graduates increased by 232%, while the average monthly salary of urban workers increased by 338%, which was faster than that of graduates. In other words, compared with the overall level of society, if graduates are regarded as representatives of young people, young people do become poor.
Of course, the backwardness of wage growth is only the reason. The following two points are the main reasons why young people become "poor":
The first is the house price. Zhou Qiren, an economist, believes that housing is the biggest factor to widen the wealth income gap of residents. Indeed, every graduate is facing the problem that the ratio of house price to income is getting bigger and bigger, that is to say, the later he graduates, the higher the house price, and the farther away he is from buying a house by salary.
Second, it failed to catch up with the "asset bubble". Wu Xiaobo wrote in "China is welcoming the era of profit-seeking": China is forming a profit-seeking class, "that is, those who own real estate, stocks, securities and bills and can obtain stable or even expanding cash flow only by relying on interest, dividends and land rent". Wu Xiaobo is also a rentier. His "secret" of getting rich is simple, that is, buying a house for many years.
These two reasons lead to a growing gap between ordinary people and rentiers. Not to mention young people, those who have worked for many years will feel poorer and poorer if they don't hold assets.
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As an ordinary office worker, how can we get rid of this situation?
1, I think we need to establish a correct attitude to face the changes of external factors first. For example, if you can't afford a house in a first-tier city, you can choose to rent a house, or you can consider nearby suburbs and second-tier cities.
2, self-appreciation, and constantly upgrade their earning power. This also means that we should always keep a sense of crisis and constantly let ourselves jump out of the comfort zone.
Learn how to manage your savings, improve your financial quotient, and establish a security system to support your spiritual freedom, so that your future path will be less hindered.
Everyone should follow these three steps, and the last one is relatively more "immediate". For ordinary office workers like us, it is actually a relatively safe rhythm to spend 20% of our income on financial investment every month.
Invest in what Many people have been exposed to financial management since their spare time, but their income has dropped to 4%-only a little higher than the inflation rate. In addition, I personally have been insisting on Internet financial management.
In 20 15, Internet financial management was formally brought into the supervision of China Banking Regulatory Commission and became the hottest financial management method at present, especially those Internet financial management platforms managed by professional elite teams with strong security, which were favored by the public. I have introduced many platforms to you before. Recently, there is a new platform called bee cast net. The initial investment is due to bonus hunter, whose annualized rate of return for beginners is 15%. Anyone who often knows about financial websites will know that most novice financial platforms are in 10%- 12% and 15%.
After that, the payment was timely and the app user experience was high, making it a long-term investment platform.
Next, let me tell you why I chose. First of all, I once said that the financial platform should be operated for more than 3 years as far as possible, and it should be kept by banks. Bee Investment Network is a 3-year platform with bank depository and complete qualifications, so it is listed as a long-term investment platform by me.
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In addition, there are many internet financial platforms. In order to judge whether these platforms are reliable, senior financial planners will look at three points:
1. Is the company strong?
Bee Investment Network was established in 20 14, and has been operating safely for 3 years, with nearly 740,000 registered users and a turnover of 3 1 100 million. After more than three years of steady operation, Bee Investment Network has continuously optimized the traditional financial service model and built an intelligent risk control system for big data, relying on Internet frontier technologies such as big data-bee eye, cloud computing and blockchain, so as to create convenient and safe financing channels for customers with investment and financing needs and meet the investment and financing needs of both parties.
Second, whether the user's funds are safe.
1, Bee Investment Network has been launched, and Guangdong Huaxing Bank has deposited funds. Banks separately supervise the trading funds of platform users and the platform's own operating funds. The platform can't touch investors' funds, and investors' funds go directly to borrowers through banks, which is the ultimate mode of capital security.
2. It is safer to manage money with the same card.
Which bank card the user binds to when investing, and the withdrawal must also be the same bank card, so as to fully guarantee the security of funds in the user's account.
3. An important criterion for judging whether wealth management products are safe. All products of Bee Investment Network are mainly small, and users' investment projects are extremely scattered. Different borrowers maintain a high degree of independence, and the comprehensive guarantee system before, during and after lending minimizes risks.
4. Bee Investment Network independently developed the "Bee Eye" big data risk control system, with complete independent intellectual property rights. Through massive Internet fragment data, the author analyzes and mines the applicant's various credit risks and characteristics in a complex data structure.
5. Cooperate with third-party institutions, join anti-fraud technology, and use big data to cross-verify anti-fraud risks. It ensures the transaction safety of lenders and provides transparent, safe and efficient peer-to-peer lending services for lenders and borrowers.
6. Strong alliance with the national authoritative electronic certification service institutions recognized by the People's Bank of China and the national information security management institution, and verification by electronic signature, effectively ensuring transaction security and protecting the legitimate rights and interests of investment users.
May you always be in my story. Wechat WeChat official account Qing Xin Lan Tian