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wholesale fashion jewelry downtown miami Real -time renewal of wealth management information
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? PWD = 2d72
Extract code: 2d72 Resources include: fund practical courses, fund practical courses, fund fixed investment, wealth leap transition Curriculum, fund primary curriculum courseware .zIP, fund junior curriculum knowledge summary, notes of the fund's advanced course, questioning of fund advanced courses, how to choose new funds, understand the mystery of mixed funds to earn less r n
xijiao jewelry wholesale market In daily life, the value of money is pivotal. This should be the consensus of everyone. Although money is not a panacea, it is never possible to have no money.
has good education with money, and children will be excellent. With money, people can live a very quality life, have high -end life, and so on.
. The reality is that most people are people who live with death. And once a little bit of life is encountered, it will fall into the dilemma of life.
If is this, is there a way to change this life problem? There must be the answer. The book "Seven -minute Finance", which is explained below, will solve this problem.
"Seven minutes Financial" author Luo Yuanshang. She is the founder of the "Seven Minute Finance" platform. It was also the president of Standard Chartered Bank. During his tenure, he brought the branch into the world.
In 2015 刅 7 minutes of financial management. He has very deep practical experience and has a pragmatic feelings that are not afraid of the hidden rules of the industry.
The editor -in -chief of the Huaxia Times, Shui Pi commented: "Luo Yuanshang summarized the reasons for people's hardships from years of practice, reminding us that the real financial management is not the pursuit of high returns, gambling style Financial management, instead uses a scientific method to obtain a stable income.
Sina Weibo Vice President also commented on this book, using 7 minutes of fragmented time to complete the financial management you need most Common sense learning.
"Seven minutes Financial" is also a book with a lot of financial management. Reasonable allocation, the best way to manage financial management is the fund's fixed investment, and when to stop the profit and stop loss, etc., to make a simple explanation and analysis of the scientific system. , Eager to get started.
It about the content of this book from these aspects.
Os how to accumulate the first bucket of gold? R r r? n
The answers given in the book, without affecting normal life, is to leave a part of the salary every month. Generally, 10%of the income is left. R n
can also explain this way. First, 10%of the income can be left, and the rest is then used for consumption.
The people now, the ideas of ideas, enjoy first, then business, then self -employment, and then self -employment. It is the normal life, so the Moonlight clan has a common phenomenon. Only the compulsory part will be reserved first, and the rest will be planned to spend based on the actual situation. I believe it will break the phenomenon of moonlight soon.
Lia is a college student who has just graduated. It has been less than a year after working on a job. Although the salary is not high, it is more than enough to manage himself.
I have to spend a penny. Instead, I sometimes make up for home use.
. Her ability to use money with good money is due to her mother's financial management.
Education at home how to spend money.
The told her: Just use the money you should use, and the money should not be used. Try to leave the money as much as possible every month. n
So Liya has never lost money in the hands. Always have some reserve money to prevent from time to time.
. There is also an example, just the opposite of Lia.
The reported reports in a newspaper: A college student who has just graduated, because spending money is big, so that the money is not enough every month.
Very good. At this time, she only carried out online loan life online.
The at the end of the month, the empty and empty hands were not on money, and Li Tanli suddenly carried a big debt.
In the end, the debtances were forced to engage in pornography nude photos to pay off. As a result, walk into the abyss of the crime.
The comparison of these two individuals. It also reflects the huge difference between wealth management and not wealth management. It affects not only human life, but also people's life.
It, after saying whether the advantages and disadvantages of wealth management and having a certain asset, we can start the asset allocation link.
Because the market is fluctuating, sometimes it is a high point in the market, at this time there will be profitability. But sometimes it will be low, and it will lose money at this time.
In order to avoid this phenomenon, family asset allocation must be performed.
A asset allocation
What is the asset allocation? Simple and popular, it is a few different types of products that are placed in a combination.
The is divided into four parts: first part: family daily expenditure account.
is to prepare daily life expenses first, and it is best to prepare the amount of 3 to 6 months. For example, the family spending is 5,000 yuan per month, so it is necessary to prepare RMB 15 to 30,000. Put it in a relatively good financial account such as currency funds. For example, Yu'ebao is such an account.
It part: is the money to prepare insurance.
The people to eat grain miscellaneous grains and two pains are common, especially for children with children.
The insurance that urgently needs to be allocated is generally divided into four types of insurance, accident insurance, critical illness insurance, and pension insurance. Those with economic foundations can also be equipped with life insurance. Generally speaking, the cost does not exceed 5% 10% of the annual income.
The family with weak economic foundation to buy consumption types first is to buy a year for one year. Usually hundreds of dollars can guarantee hundreds of thousands of critical illnesses. Without talking about money, from the spiritual level, it makes people feel comfortable with peace of mind. So insurance is important to match early.
Of course, due to the immature reasons in the market, many people do not believe in insurance.
The is worth mentioning that the CBRC stipulates that as long as any insurance complies with its regulations, it must be paid. The national law also guarantees its safety. So I still have to believe in the law of the country. Believe in the country's insurance system.
. As an example, Ming Xin's body was unwell recently. I went to the hospital for examination and found that there was a big nodule in the breast.
The doctor said that it should be removed for surgery, so as not to cause posterior trouble. Mingxin knew hesitant. Because she was just unemployed, there was no financial source at home. It costs at least tens of thousands of yuan after surgery. This is a large expenditure!
what to do? At this time he thought of the medical insurance he used to buy. Actually experience the function of this medical insurance.
In the help of family members to the hospital to remove the patient. As a result, the cost was more than half of the insurance company. It relieves her family pressure.
The visible insurance is still credible. It can help the family a lot in danger. It is effective to avoid additional losses of the family.
The third part: should be an additional family expenditure. Just as large expenditures such as buying a car decoration house, it is placed in this account.
The products such as bank financial management, bond funds such as bank wealth management for 6 months to one year. Used for an important family building that is not urgent, but also must be used.
This account should also be a preservation account. It has a little stable income and can also resist inflation. With some liquidity, it cannot be taken out in time. It can also alleviate some necessary expenses in the home. It is an indispensable link in family configuration.
The fourth part: is the money account. The funds of this account are generally three to five years, or even longer.
mainly investing in high -yield and high fluctuations. For example, the money put into this account in this account of alternative assets of stock funds is that it must not affect the living level of the family.
The loss because of the money of this account, there are floating changes, etc.
Muctive proportion of the account configuration, and a vivid percentage formula, is the age of 80 to reduce the current age.
. For example, Zhang San is 40 years old this year, then the formula for the matching is the ratio of 40%of the capital account of 80-140 40. Li Si can put the total income of 50%of the total income at the age of 30 at the age of 30. Based on this type ...
The benefits of fund fixed investment
The configuration of the four accounts can start financial management.
In the current wealth management market, the author tells us that the best way to financial management is "fund fixed investment".
The conclusion that countless experiences can make us make money, and there will be good benefits.
The example is evidence. Ms. Xiao Biyan, the godmother of Taiwan, set up a fund in 1995, deposited 3,000 yuan a month. 1 million yuan. However, there are more than 2 million yuan in the actual account.
. This is the result of her long -term fixed investment, redeem the income, and then continue to make a concentration accumulation. This is the miracle created by the Fund's Investment Course.
The Ms. Xiao Biyan in Taiwan has nine siblings. The family in the family is very poor.
Since the fixed investment fund, through the power of time and compound interest, the family has lived a rich life.
A Xiao Biyan's fixed investment, grasped a principle. When the income reaches 30%, it will be sold all! Use the principal to set up the original fund, and then use the money you earn to make a new fund.
It like this, more and more funds she invests! More than a dozen. In the end, the benefit of the rolling profit made her realize her ideal life.
The definition of the fund
It before the fund's fixed investment, let's first understand what the fund is.
The fund is a professional fund manager of the fund company. It integrates retail funds and conducts disciplined investment.
This dispersion of a single stock risk. The operation of professionals will be much better.
The stock market is like a battlefield, which is a group of investors fighting each other.
If retail investor is a person fighting, and through the operation of the fund manager, it is a person with a harm to help you fight and compete with a group of people. The results must be different.
In after understanding the fund, we see what fund fixed investment is.
The method of fund fixed investment
Find fixed investment is to invest a part of fixed funds at a fixed time. Special periods can also be adjusted.
If the market downturn can increase the amount of investment; reducing the fixed investment amount when the market rises. Depending on personal risk.
Sold when you reach your own income goals! When a fixed investment fund, generally choose a large -scale stock or mixed fund.
The decentralized investment during the fixed investment process.
E eggs cannot be placed in a blue son. For example, a configuration fund combination must have large -set stock funds, small and medium -sized stock funds, hybrid funds, and overseas funds. In order to reduce the volatility, 50%of pure debt funds are required.
Due to the rise of a type of fund in the market, another type of fund will definitely fall. Only when configured can the risk be effective. The purpose of profitability.
It should pay attention to the selection of the fund when investing in the fund. Good funds and bad funds are far from the difference.
What is a good fund? The good or bad of judging a fund depends on its comprehensive ranking for three to five years.
. If it is always ranked in the top 30, it proves that the fund is feasible.
The also depends on the ability of the fund manager. Good fund managers generally have to work for more than two years and cross multiple bulls;
It also pay attention to the fund's ability to resist pressure. The ability to resist stress is mainly reflected in its degree of retracement and volatility. If the degree of retracement is small and the degree of volatility is small, then this fund's pressure resistance is better.
but there is a prerequisite. The requirements of these two points are based on good funds. Only if it is a very high -quality fund, coupled with the operation of the fund manager who is resistant and good, will the income be better.
The stop profit of the fund
After the fund is set up, when the accumulation is accumulated, the problem of stopping profit must be considered.
Generally, when you start the fixed investment, you will determine a target of profit. On average, the current annual yield of the market is about 15%.
Is when the income reaches the target, it can be sold.
But if there is still room for rising the market, you can also sell a part of it.
Stocking a part of the sprint market high. It can be said that the mouth is meat.
When will the profit be stopped? There are three opportunities for judgment: 1, when you reach your own target. For example, your target is 20%, then when the income reaches this line, it can be stopped.
2, when everyone is talking about the stock market at the end of the street, it means that a bull market is coming. At this time, profit -making strategies can also be carried out.
3, see if the point of the fund is close to the highest point of the last time. If it is close to about 10%when it is approaching, it means that the peak is ready to retreat.
The laws that are constant in the fixed investment field is to stop profits. If you want to get income, you must abide by this law.
The shortcomings for a bull market for the shortest two or three years, the longest is six or seven years.
If the income does not stop profit in time, it is easy to fall back to before liberation. The money that was hard to make is like a roller coaster.
On the money must be redeemed after making money.
This money back to the next round of fixed investment can be performed.
above is the general content of "Seven minutes Financial". It starts from how to accumulate the first bucket of gold in life, and explains from several aspects of family asset allocation, how to invest in funds, fund stop profits and stop losses. After reading this book, you will understand the magical charm of financial management.
It's income after sleeping. To achieve financial freedom, we must start with financial management!