Don''t put all your eggs in the same basket!
A successful person should not only make money, but also manage money. Therefore, the allocation of wealth and assets is a must and must be improved.
Financial management is a kind of life, financial management is a kind of confidence, financial management is more like layout, money is not worth money when rich, people are not worth money when there is no money, only in the good situation when the situation is in full swing, there is a way in all directions, if you want to make people worth money forever, you must let the worthless money become valuable money, which is financial management.
Because in the attribution analysis of investment profit, more than 90% of the return is determined by asset allocation, which is the key factor for the success of long-term investment. Among many factors affecting investment income, securities selection and market timing are uncontrollable, and only asset allocation is the only controllable factor for investors.
Fixed income products play a very important role in asset allocation. They can pursue a certain return on the basis of maintaining a stable style, and at the same time, they can share the risks brought by single partial stock products.
Therefore, asset allocation can ensure that it can face the market with a reasonable, positive and healthy investment attitude, especially when facing the challenges of extreme markets.
(here, the devil digs out a few digressions. Many people always feel exhausted for a year. At last, they don''t have much money left in their accounts. This only shows one thing. You are not good at managing money.
Here, the devil to readers a set of the most perfect financial plan for reference, the devil has been strictly in accordance with this plan for ten years.
The first part is the short-term "money to spend", which accounts for about 10% of the family''s total assets, usually for three to six months'' living expenses, such as daily shopping, transportation, children''s tuition fees, etc. The liquidity requirement of this part of the money is relatively high. It is suggested that you can deposit it into a current account in a bank or purchase a monetary fund with good liquidity, such as the change link of a certain letter...
The second part is "money for special purposes". This part of funds is used to protect family members from possible unexpected conditions or major diseases. They must ensure that there is no loss of principal. It is more suitable for making some insurance or bank fixed deposit and other capital guaranteed investments.
The third part is "money that makes money". The money that creates income for family assets, which can be invested in the subject matter with certain risks to create a higher return. They can earn and lose money. They will not cause fatal damage to families regardless of their profits and losses. The main investment directions are stocks, funds, etc... The devil chooses the fund, the stock is set - cry!
The last part is the "capital preservation and value-added money", which is an important source of family pension and children''s education. On the premise that the principal is relatively safe, the income of this part of funds does not have to be very high, but it needs to be long-term and stable, and generally does not need to be used. It can continue to invest regularly and accumulate more.
The key to the last part is that every little makes a big difference. Don''t underestimate this point. Save a little every day. After a year, you will find that there is still so much money left!
The above part is the devil''s experience. The key lies in strict implementation and persistence. As long as you stick to the implementation, you will find that such financial management will benefit you all your life. The devil knows that many people also know that such financial management is beneficial. The key is that you can''t insist on it. After a period of time, you will give up. But remember, financial management is your personal practice in life!
(cough, OK, let''s get to the point
People like Arthur, who suddenly become rich suddenly, are afraid of losing their wealth quickly. Therefore, he would prefer to invest in real and visible industries. The majority of people who make money in the industry are only the problem of making more and less, but the number of people who lose money is just the opposite of tossing about in the financial market.
Although, to do industry needs to build factories, to build a team, we need to calm down to seriously produce products and sell them to customers in the market. Only after receiving money can we complete a process.
The time required during this period, that is to say, it takes more energy and time to earn every dollar than to speculate in stocks. Moreover, a considerable part of the money you earn has to pay taxes. It seems that you pay more than the stock market, but the uncertain factors are much less than those in the stock market.
As long as you do a thing to the extreme, you can make money. The goal is clear and can be realized by you and your team. It is a feature of running an industry that is least affected by uncontrollable factors.
Therefore, Arthur will layout electricity, because in today''s world, human beings are inseparable from electricity. Without electricity, the world is almost the same as the end of the world!
At two o''clock in the afternoon, Arthur dressed up meticulously. I believe that any woman will look at his handsome suit and British style. After all, women like handsome men just as men like beautiful women.
When Arthur''s car came to Hurst manor smoothly, he saw Amanda Hester in a red suit standing at the door of the mansion. He was concise and handsome, with a pair of silver high-heeled shoes, which not only lengthened the overall proportion visually, but also looked slender and dignified Horsetail is the dress of a strong woman.
"Sorry to have kept you waiting." When he got out of the car, Arthur said with a very gentlemanly smile."No need to be sorry. You''re on time. Let''s go." Amanda smiles like flowers, looking at the tall and handsome Arthur, said softly.
"Please -" said Mr. Arthur, holding Amanda''s door and holding her hand over her head.
"Thank you."
When Amanda gets into the car, Arthur helps her close the door and goes around to the other side. When she gets into the car, she looks at Amanda and smiles.
Along the way, they had a good time talking with each other without any sense of strangeness. Maybe this is where the famous ladies'' shejia emotional intelligence is superb. The tone and rhythm of their speech are so appropriate, which makes people feel like spring breeze and very comfortable.
“。。。 Speaking of it, in the UK before, I also wanted to buy several fashion magazines, but in the end, I bought dozens of regional newspapers. "
"Oh?" Amanda''s eyes became bright and bright. Looking at the smiling Arthur, she said curiously, "it''s not a good idea to buy newspapers now. You know, the whole world is not optimistic about the future of newspapers, and they think that paper media has gone extinct."
"Ha ha..." Arthur shakes his head and laughs. He says jokingly, "this is not what the heirs of Hurst media group said. Do you really think so?"
"Ha ha, everybody says so." Amanda shrugged, blinked mischievously, and asked expectantly, "do you have any different opinions?"
"Ha ha, are you testing me?" Arthur said with a smile, and then in Amanda''s beautiful eyes, chatting and talking.
"In fact, both newspapers and magazines are the same. It doesn''t mean that due to the change of environment, it has been eliminated as an important tool for providing content. What we have to do is to change the way from paper printing and subscription to computer and mobile Internet.
From this point of view, magazines and newspapers themselves have not declined. It is just because of the system that they have not kept up with the trend and are out of date.
Therefore, magazines and newspapers are not as difficult to survive as people think. The difference is that the media has changed. People can see a bigger world through the Internet. Without comparison, there will be no harm. The local tyrants who used to occupy a small area feel good about themselves... Ha ha, I don''t mean to despise you media kingdoms.
But now? After standing together with the better, the natural gap appears. If there is no way to get a better one, it can only make do with it.
Once you have something better and you can easily get it, why bother yourself to choose the worse one?
Therefore, from this point of view, people buy books and read newspapers. In essence, what they want is the content that can be delivered. As long as it is good enough for magazines and newspapers, only better content will not decline. Moreover, as the transmission cost becomes lower and the transmission speed becomes faster, people will only live better and better.
Of course, after all, no matter what industry, there are always a few who live a good life. For more ordinary magazines and newspapers, which are confused with wages and salaries at random, it is inevitable that the decline will be inevitable. The excellent will inevitably be better, and the worse will be worse. Traditional newspapers, magazines and other paper media are getting more and more difficult. This is also a kind of metabolism with the development of science and technology
Arthur seemed to have opened his mouth and continued, under the gaze of Amanda''s more and more bright eyes: --... Just like the history of the development of mobile phones, there have been innovations. First, they can make phone calls, send messages, slowly take pictures, listen to MP3, and surf the Internet. Then they develop into human organs and become a handheld mobile internet terminal.
Although in this process, the name has not changed, we still call him mobile phone, but its nature has changed dramatically. For newspapers, magazines and other media, its role as a text content provider is as valuable as the original.
Even if the Internet continues to speed up rapidly, even if it is free, it does not mean that we are all the same. In essence, with this development, the competition will become more intense. Originally, in a small range, self-esteem is very good. If there is no sense of crisis, then arrogance will only make our situation worse and worse.
However, as long as we can grasp the core essence and constantly improve our ability, the ones who are eliminated may be those who do not know the change and still live in their imaginary world. Although it is said that change will inevitably bring pain, the key lies in that we can''t just focus on it. From the perspective of life development, we need more hope and hope... "
" great analysis, but how to achieve it? " Amanda looked at Arthur with more appreciation and admiration, and asked in a soft voice with a brighter smile.
"You need to change your perspective on things. You can''t just pursue immediate feedback. No matter what you do, you''d like to get feedback immediately. If you want to be quick, you can''t achieve it quickly. In fact, any development is not quick.
For example, from the point of view of giving birth to a child, we have to have an October pregnancy! Therefore, there must be pain in the process of change, but the purpose is certainly not for pain, but for better in the future.If you can change your perspective on the world, you will inevitably come to a different conclusion from most people. When everyone is not optimistic about it and feel that it will be painful to do it, if you can look at it from a longer-term perspective, you may find that there is something different. If you can do it well, it will become an opportunity for your own development. The point is that once time changes and you need to look at the long term, it''s not so easy for the absolute majority of people to feel connected to themselves. " Arthur smiles and looks at Amanda, who is lost in thought because of his words. He can''t help but breathe out in his heart.
It''s very difficult to establish authority and ability in Amanda''s mind if they don''t come up with something real. Now it seems that everything is going well!
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