Please pay attention here! The financial plan I am talking about is to realize wealth freedom! Different from ordinary family finance. The former has set a goal and pays more attention to doing Qian Shengqian with limited energy; The latter often sets a goal first, and then designs different financial plans according to different goals to achieve the goal of stable appreciation of real estate!
From a macro point of view, there are five basic prerequisites to realize wealth freedom: ① open source-increase income, use various investments to increase asset value and improve yield; (2) cut expenses-control unnecessary expenses; ③ Effectively accumulate large long-term funds, such as emergency funds, medical funds, education funds and pensions. ; 5] Do a good job in asset management; ⒘ Ensure property safety.
I believe that most people's understanding of financial management is in a certain field at most, and few are comprehensive and in-depth! Therefore, I think the textbook approach is not suitable for the general public, especially the investment market in China (which is relatively narrow and the system is not mature).
I have three schemes here, which are flexible and practical and can be used as templates: what is waiting for him? Ambush in advance, take defense as the attack! It is no problem to take advantage of fishermen, so there is no need to be afraid or impatient. Just like you want to build a floating house on the Mekong River, the best way must be to lay a stake when the water level is shallow in the dry season, and then cover the main part when the water level of the river rises in the rainy season, and you're done! Investment timing should also follow this principle, and open positions when the market is very depressed! It is the harvest season when the market picks up. Of course, there is a premise that you have to understand the cycle changes, so this opportunity is waiting! There is a suggestion: you can judge the approximate price range first, whether it is bottom, middle or high, and then open positions in three batches according to your own price! On the contrary, shipment can also follow this principle.
Of course, that's not enough. What if the return cycle of an investment product comes to an end? By the way, when a market is crazy, find another market that has died or just entered the boom cycle! Then all you have to do is put the profits earned in this market into another market in batches. Finally, it should be noted that the method of "waiting for the rabbit" is a strategic choice! If you have no patience and want to see the benefits immediately after investing, then this scheme is not suitable for you.
Finally, some people will ask: Why are all investment products cyclical? What if all investment products enter the boom cycle and the recession at the same time? Here I want to talk about the reasons for the cycle! The price of any investment product fluctuates with the value (aside from basic factors such as inflation, supply and demand for the time being). On this basis, international hot money, hot money, personal funds and state-owned funds have played a role in fueling the situation. Markets are like containers, and funds are like water. When a market becomes profitable, there will naturally be more funds to promote the market! So this has formed what we call a "bull market". On the other hand, if the investment is in recession, then a lot of funds coming to this market must find a way out, so the funds will flow into another market that is about to enter a boom cycle, making another market enter a "bull market" and the market where the funds flow out will become a so-called "bear market". The conclusion drawn from this is: * All investment products have periodicity, and periodicity is also generated alternately *!
Personally, I highly admire this scheme, at least its risk is the lowest, but its benefit is the highest. The only question is how much time you have spent! This plan pays more attention to tactical choice, pays attention to eating the middle from beginning to end, and is a downwind ship! However, using this scheme requires special attention to stop loss, and strict execution discipline is the basis of risk control!
What must be said here is that the benefits and risks of this scheme are the highest. Investors should have considerable experience in understanding various investment products. In specific operations, we must accurately find the entry point of each market. As long as the price effectively breaks through this point, we must be brave enough to enter the heavy position! As long as there is an expected return or delivery signal in your heart, you should withdraw your funds immediately! On the other hand, if you make a mistake, you must have the courage to stop loss in time! "Keeping green hills is not afraid of burning without firewood" must be put in the first place; Remember: you lose luck and win greed.
Note that whenever you decide to invest in a market, you'd better go all out, because there is a basic assumption: if you are optimistic about a market and you decide to invest in it, it means that you recognize this market, and there is no "maybe wrong"! If you doubt your own judgment, you'd better not choose the plan of "attacking and defending"! How can you take risks because you doubt yourself?
In addition, after repeated reinvestment, the benefits and risks of this scheme will become very large. If you have a profitable position, you can try to invest your profits in defensive investment products according to a certain proportion! In addition, you can stop when the annual income reaches an expected value, and then lay out the next year's operation! This locks in profits and ensures the safety of funds; In this method, I also have a hard operating discipline, that is, you must quit the market when you earn 15% and lose 5%, and then look for the next opportunity, so that your ratio of wind to newspaper can be optimized!
If you choose to attack and defend, you choose to chase after the rise. Don't expect to dilute the cost and solve the problem! The only thing you need to understand is: choose short attack (short term) or long attack (long term); Whatever you choose, don't change your original intention. It is dangerous to do more in the short term and shorter in the long term. Investment is to make complex things simple, and never put the cart before the horse.
It is suggested that friends with insufficient experience and poor psychological endurance should not try! This scheme has the highest security, and reasonable fund allocation can offset the risk to the greatest extent! There is a premise that investors should know the characteristics of various investment products! At least you should know that those investments are defensive and those are offensive, and you should know what you can't touch. In the economic boom cycle, more offensive types need to be deployed, and uncertain periods can be mixed. If it is a recession cycle, it is best to configure more defensive types!
Using this scheme, we should adjust the investment rhythm according to our own reality. But the general principle will not change. The items mentioned in the first test link, such as age, physical condition and property status, are all reference items for you to divide the proportion. More emphasis is placed on long-term investment here. Don't try to be a small band. If you don't do it well, it will disrupt the rhythm and it will be easy to bypass it.
Some investment products are functional, such as insurance protection, gold preservation, foreign exchange forward hedging trade risks, real estate mortgage loans, etc ... unless you really understand these functions, please understate them. You should know that any function is pale in front of the price. We all come to the market to earn the difference, and price fluctuations can make your wealth disappear instantly! So don't just look at one side of things, or you will only lose a lot because of small things.
Here, you must pay attention to the fact that choosing both offensive and defensive methods does not mean that you can sit back and relax. If you earn 10000 yuan in the defensive portfolio and lose 10000 yuan in the offensive portfolio, your profit will still be zero after hedging, and maybe there will be negative growth. Therefore, you must adjust your position structure according to the market environment at any time to achieve synchronous profit.
Summary: Seeing this, you may feel at a loss. What should you do? This is really a big problem. But financial management is like this. This is not a subject that can be taught by hand. There are too many factors involved to generalize. It is right to do this today, and it is probably wrong to do it tomorrow; However, the road to simplicity, as long as you are willing to spend some time to accumulate experience, seriously sum up the gains and losses, and do it again, you will naturally form a set of your own investment plan! Here, all I can give is some inspiration and some suggestions. It's just a skeleton. Other flesh and blood should be mended by yourself! Here is an example of actual combat to see how the above methods are applied to actual combat:
(The first practical case)-In June 2006, I had 1 10,000 yuan for investment. I got 20 points in the test of "Variant Rubik's Cube Theory". First of all, I decided what my investment direction is! Among many investment products, I think the stock market is the lowest. I judge that it is the end of the five-year bear market, but I am worried that I will spend too much time! So I divided the fund into four pieces, starting from 1 100, and setting it as a breakthrough 1250 is a sign that bears turn to cattle! Open a position of 25W every time you break 50 points or fall 50 points. The goal in my mind is 3000 points, but the bull market only ran for more than a year and reached 3000 points! Therefore, I only reduced my position by 50%, and I intend to clear all my positions in June 2007 or when the index reaches 4000 points first (at this time, my 50% loss of principal and interest is100 w; I don't think the economic prospects of the United States are ideal. The depreciation of the dollar is a long process, and the trend of the K-line also proves my point! So I put 50W into the foreign exchange margin market and earn more euros for a long time! Adjust to a supporting position and add 1 hand at a time; I bought the remaining 50W at an average price of $550 per ounce. Look at the stock market again. At the beginning of May, 2007, at 4 o'clock in the afternoon, although the ascending passage was intact, I still cleared all the principal and interest as planned *** 150W! 50W bought a bond fund, 30W bought a 50ETF, and the remaining 70W I mortgaged a commercial house worth 165438+ 10,000 in Minhang District, Pudong, Shanghai, and then used the profit of Euro/USD and the monthly rent to repay the mortgage! In March 2008, my euro/dollar position had gained 2300 points, excluding the principal and interest of mortgage repayment * * *120w and physical gold ***90W. At this time, the postal market has experienced a bear market of 10 years. Considering that the Olympic Games is coming, I decided to take out 20W investment stamps! The remaining 100W will spend 50W to buy some bond funds. Considering the 20 12 London Olympic Games, the remaining 50W will buy the British index in stages! It is expected that the yacht industry will become the next investment hotspot in China (a coastal city), so I plan to purchase all the proceeds from next year to the yacht dock berth in Qingdao. (As of July 2007, the principal and interest of stock+foreign exchange+gold is 4.6 million, and all of this 4.6 million is invested in the next investment portfolio including bond funds, real estate, stamps, 50ETF, British index, yacht dock berths, etc.).