for investment, everyone has their own understanding. But to do it, and there are a lot of things. From a professional point of view, the financial planner pointed out that at least some of the financial management should be avoided, so as to increase the wealth of the way to go more happy. Avoid these mistakes include:
4 i/ F* f8 V- Q3 g% P" a3 ^1 too far ahead* \ D$ f, k1 s, \8 a+ K; s
Urban white-collar workers in the city now almost one or two cards in the hand. A card is good, sometimes to the emergency. But with the credit card too much, beyond their own income to the carrying capacity, then the increase in wealth will not have a good effect. In short, used to spend a large amount of money, is not conducive to the accumulation of wealth." Z2 d. ]8 r: X. r" m
2 there is no concept8 W0 m& F# R+ M1 ~& u4 o
If it is office workers, the origin of their own income, you have to understand these sectors, such as wages, including the welfare and social security, social security, health insurance, provident fund, payment of tax, etc.. For spending, it is best to often account, to understand their own funds to the. In addition, if it is the boss of the family, more money, you need to understand their own tax situation, the composition of the assets, assets of the loss, idle situation, etc.. There is no concept of access to the heart, as well as the increase in wealth. Richwood financial planner Reed suggested the appointment of a special financial, financial staff, reasonable financial management and investment plan.
5 b7 H' g' ^6 U4 t8 t9 K3 eyes only stock3 m |. z9 N! e! H0 V4 ~
Investment, all want to preserve and increase the value, so that the rapid increase in wealth. But some investors eyes only stocks, it is not good. According to different risks, different financial situation and reasonable use of wealth management methods should be adopted. Rhett Jiafeng financial planner that investing in the stock market is not good, but if too much of the assets set the equipment placed in the stock market, there is a high risk.& Z/ _4 p: D: }( P
For the risk of sustained ability is not very strong, financial planners recommend might as well retreat for second choice just linked to the stock market investment products, like some hybrid funds, zhongxinggongyue mom securities investment plans, also can get good returns. For example, hybrid funds, the advantage is to take care of the body, investment is not limited to stocks, the risk is smaller than the individual investors to invest. And mom of securities investment is belonging to the income security of investment type (8% of the fixed income), and there are latent in the stock market earnings eligible. For investors, the two are more comprehensive approach to the stock market investment. In general, it is not only the stock can have the potential to have a high income, investment if it can be more diversified, not only can get high returns, and can also reduce the risk of investment system.
& y' h# f# q. z, `5 A2 n4 do short-term investment
$ j1 e; R0 D: GFor investment, not only the short-term or one or two months fast. If the activity of the allocation of good funds, short lasting joint investment will be better. Like the fixed income financial products, the income will be higher than the long-term investment income of the short-term investment. To distinguish between good money after the activities of the demand, less active demand for long-term investment funds, can enjoy a higher income. Investors only do short-term investments, yields are often difficult to achieve maximum".9 |) e/ u8 F# V! v
5 style too conservative* l2 Q9 L1 }, n r/ h
Have investment, good! But the style is too old, it may not play a role. Financial diversification, but it is not recommended to choose too conservative investment portfolio. Like all of the national debt, certificates of deposit, bank money, wealth, etc.. Treasury bonds, three-year annual yield rate to 4.5%; certificates of deposit, yields a gist for the only about 3.15% is only slightly higher than that of regular deposits and bank monetary wealth management products may slightly better, but also hold only about 4.5% of revenue. Are conservative type of investment portfolio, a year down for fear that can not make a lot of money.
' j* Z, S6 a- pFinancial planner is still recommended, even if it is to seek a healthy investment, it should be appropriate with higher returns of investment varieties. Too conservative, the revenue is afraid to let CPI and inflation eroded a lot. And at the moment of financial management, is not particularly conservative investment portfolio, a year of stable implementation of the above 8%-12% income is not difficult. |
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发表于 2015-9-9 15:20:34
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发表于 2015-11-6 16:03:07