People don't manage money and look for people. How do we ordinary people manage our money in our daily life? This may be a topic that many people care about, because asset management largely determines the happiness index of daily life. Over the years, under the guidance of my nephew, I have skillfully understood the four-word secret of asset management. Family asset management has flourished, which can be said to be rich and well-fed.
My two nephews work in the financial field, and one of them is a well-known local asset management planner. A few years ago, the advice they gave me on asset management was to follow four basic principles. These four basic principles are my four-word knack for family asset management, and I have benefited a lot from following these principles.
A formula: stability. I am an office worker with a relatively fixed income, but my expenses tend to increase year by year. Therefore, asset management should be prudent, not blind or rash. In the process of financial management, I adopted the rule of 100 provided by my nephew-the proportion of one person investing in high-risk products is equal to minus 100 people's age. Generally speaking, 70-year-olds invest in risky assets. But if the asset management object is 30 years old, then 70% of the invested products are risky assets. According to the law of 100, I have rarely come into contact with high-risk asset management channels and projects such as stocks and foreign exchange in recent years. There are also many colleagues around me who have a stock market explosion, but I don't envy them. I don't think it is easy for us civilians to make money. It is best to stabilize investment in asset management.