I. Investment tools 1. What is an investment tool? Investment tools are tools selected for personal financial investment in order to achieve personal financial goals. When choosing investment tools, everyone should choose the right investment tools according to their own conditions, abilities and qualities. Don't blindly follow others' investment, let alone choose an unfamiliar investment tool to invest, otherwise it will bring great risks to your personal assets. 2. At present, the main domestic investment tools: investment tools, savings insurance bond funds, foreign exchange stocks and futures real estate, gold and silver collections, investment tools, savings insurance bond funds, foreign exchange stocks and futures real estate, gold and silver collections, low risk, low risk, medium risk, high risk, high risk, medium risk, low return, medium risk, high risk, medium risk, high risk, medium risk, medium risk. Medium risk, high risk, high risk, high risk, high risk, medium risk, high risk, high risk, high risk, high risk, high risk, medium risk, high risk, high risk, high risk, low risk. The detailed analysis of the above investment tools will be described in the "Online Lecture" column. Second, the investment plan aims at everyone's financial objectives, financial plans and investment steps. The idea of choosing an investment tool is called a personal investment plan. In order to achieve their goals and plans, everyone can work out various investment steps and implementation plans. Among many investment schemes, we should choose the best one for personal financial investment. How to make a personal investment plan? How to choose the best investment scheme? (It will be elaborated in the "Online Lecture" column). Three. Portfolio In order to reduce investment risks and diversify investment risks, everyone should try to adopt diversified portfolio investment methods when investing in personal finance. 1. Portfolio can be divided into scheme portfolio and tool portfolio: a. Scheme portfolio: investment with multiple schemes and plans. B. Tool portfolio: in an investment scheme, multiple investment tools are combined. 2. The core of portfolio is to diversify investment and risk. The principles of diversification of investment risks are as follows: a. Diversification of investment types: namely, investing in different types of investment tools such as stocks, insurance, bonds, funds, foreign exchange and collections. B. dispersion of investment time: long-term investment, mid-line investment, short-term investment C. dispersion of industries and varieties: for example, both strong stocks and weak stocks in the stock market are bought; Buy both technology stocks and real estate stocks; Buy both small-cap stocks and large-cap stocks and so on. Portfolio should vary from person to person, because different portfolio schemes should be selected according to different situations of each person, so it is not uniform for everyone. Four. Investment Operation When a person's personal financial objectives, financial planning, investment steps, investment plans, investment tools and investment portfolio are determined, his personal investment operation will play a decisive role in the success or failure of personal financial investment. Investment operation requires personal investment experience, investment skills, psychological quality and adaptability, and the lack of any one aspect may lead to the failure of personal investment. The financial investment market is a market full of risks, uncertainties and rapid changes. Investors should be familiar with their investment varieties, pay attention to all aspects of information in time, make correct judgments and decisions, adjust their investment direction, investment varieties, investment structure and investment quantity in time, grasp themselves, grasp the general trend, grasp the market, and work hard for their financial goals, life, future and children!
Look at this! How do newcomers manage their finances with a monthly income of 2000?
As a newcomer who has just joined the work and earns about 2000 yuan, his money is limited, his salary is meager, and he is full of energy, while brand clothes, cosmetics (especially women), all kinds of hobbies that need money, as well as making friends with friends, fashion books, CDs and so on. Are clearly visible. How to enjoy life and make ends meet? Newcomers in the workplace can divide their expenses into three parts:
Living expenses account for 1/3 of income.
First of all, take out the living expenses that must be paid every month. For example, rent, water, electricity, communication fees, daily necessities and so on. , accounting for about one-third of the income. They are an indispensable part of your life and meet your most basic material needs. Without them, you can't live like a fish without water, so please take this part out of your income first and don't use it.
Savings account for 1/3 of income.
Secondly, the part I use to save accounts for about one-third of my income. Every time I save money, I feel a sense of accomplishment, as if I feel a little more secure. But by the end of the month, it often becomes a bubble economy: most of the savings are taken out again, disappeared quietly, and scattered like a drizzle on many favorite clothes, magazines or friends' parties. At this time, you should say to yourself loudly: "I want to invest in my own tomorrow, and I want to protect my property." At least, your storage can guarantee your basic life for 3 months. You know, many companies now have a tendency to reduce salaries and lay off employees. If you don't have any savings, you will be very passive once you change jobs. Moreover, the income of these three months can be your reassurance. If you are really dissatisfied with your job, you can resign in anger and stop swallowing up. Think how happy you are. So, anyway, please leave yourself a way out.
Activity funds account for 1/3 of income.
The rest of the money accounts for about one-third of the income. You can focus on different places according to your life goals at that time. For example, you can arrange your own travel on May 1 day and1day. When clothes are discounted, you can buy brand goods that you have long admired; There is also the cost of buying CDs and friends' parties, which are essential at ordinary times. So you know how to spend it, and you won't spend it all at once. Most importantly, even if you use up this part at the first salary, it can be regarded as a lesson, and you can punish yourself for doing nothing for a month (as all your income), which will be considerable and effective.
The most important thing is open source.
Of course, we should know that reducing expenditure is only a part of our life and work, just like the grassroots of a building. Once out of the rookie status, the most important thing for all colleagues in the workplace is how to make money and how to open up new customers. In order to achieve a new goal, you must make continuous progress for development and cultivate your own strength for progress. This is the real way to make money.
Are you satisfied with this answer? Do you have any questions?