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First of all, it must be admitted that the views that most people agree with are basically wrong. But most people will not admit it, but this does not prevent them from being proved wrong in the future.
Second, throughout history, in the thousands of years of human history, the structure of the whole human society has always been pyramid-shaped.
Third, therefore, you born after 1980s and 1990s should make different choices from most middle-class people, because most of them are wrong.
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Explain as follows.
Let's settle the accounts first.
There are 6,543,800 yuan on hand for children's education. Your child has just been born. You didn't use this money to make a down payment for the school district, and you don't have to repay the mortgage every year, which is10.2 million yuan per year. If you don't invest money in better schools, the annualized rate of return will be 26% in the future and 20 years in the long run. If everyone has investment experience, they will tell you that your return on investment in 20 years is more than 100 times. So, if you put in 65.438+0 million yuan in the first year and promise not to take out 200,000 yuan in 20 years, the annualized rate can reach 26% every year, then after 20 years, you will have 65.438+0 million yuan in your hand, yes, 100 million yuan. By this time, your child is a junior, if everything is all right. You are 50 years old. The average age of the elderly in the family is 75 to 85. This is your other ending.
There is also a second ending: your child is 20 years old or a junior, and the family deposit is 654.38+00,000. Your child went to a good university, just like the resumption of diplomatic relations between Qing and North China. You are 50 years old. The average age of the elderly in the family is 75 to 85.
The question now: which family will you choose in 20 years?
As ordinary people, most people have two choices, and the direction of their efforts is basically two. The slogan is "Everything is for children". . .
Thinking of the rich: You must choose one. Real reason: money is the most important thing.
Some people will say, I despise you. You are looking for scolding!
All right, it's my turn.
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Author:
Chen, professor of finance. Senior scholar of Eisenhower Foundation, USA, and Fulbright Senior Visiting Scholar of Columbia University. He was selected as a national candidate for the "100 million talents project in the new century" by the Ministry of Personnel, and won the first national young college teacher award and the national excellent doctoral dissertation instructor award by the Ministry of Education. Yang Dong, a postdoctoral fellow in management and a doctor in finance at Renmin University of China, is a winner of the National Natural Science Foundation.
After reading this book, you will understand how the world works with money. In fact, thousands of years of human history, including the Sino-Japanese War, the century war between Britain and France, Napoleon, Eight-Nation Alliance, the Westernization Movement and the American Civil War, were all driven by money.
Of course, books are not sold here. But what you need to know is that money is the only effective means that mankind has found to make the world work according to today's laws. Many previous attempts have failed, with a large number of casualties, displacement, national division and various tragedies.
Money is the most effective standard to divide classes, allocate resources and decide to occupy other people's time and labor in the world. With it, one can escape from the rat race, jump out of the circle, occupy other people's time and resources, borrow other people's resources and time, and realize the amplification of self-interest. That's all that matters.
According to the current general market situation, you can make an angel investment, that is, an investment of 2-3 million yuan. Then 1 100 million is 50 little angel rounds of investment. If a project is fully invested for five years, and the remaining money continues to be calculated at an annualized rate of return of 26%, then each investment must be at least five years *50=250 years. In other words, even if your child fails to live up to expectations, it will be difficult for him to consume and invest in these projects in his life, but once a project is done, it will completely change his life development track.
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Influence on children's growth.
Some people may say that knowledge is the most important, skills are the most important, or personality is the most important, but looking outside the circle, in fact, the sense of security is the most important. Children will soon understand everything around them. They will soon understand his position in their class, the family circumstances of various classmates around him and their respective advantages and disadvantages, and the communication between children can be described as pervasive. It is not that parents want to compare with each other, but that children will instinctively compare with each other, and they will find advantages and disadvantages, thus creating a balance point.
Recently, many people have seen a billionaire's entrepreneurial road. Yes, he is not a schoolmaster, but a "mine at home", so he is more confident, more hospitable, has many friends and many people are willing to be his partners. He is also more able to put his ideas into practice, braver and more willing to bear all kinds of final results. More honest, frank, brave, compassionate and imaginative. Where do these excellent entrepreneurial qualities come from? In fact, it is very simple, that is, it comes from "there is a mine at home." He knows that as long as he does the right thing, he will be confident, he will be more patient, he will do anything for his friends, and he is willing to help others, because he knows that even if this venture fails, "there is still a mine at home" anyway, he can stand up and start over. If it conforms to the goal and direction he is interested in, he is willing to fight for it and continue to work hard. He can be the Tang Priest in the Journey to the West and do nothing, but the vision is that he knows Guanyin Bodhisattva, and everyone trusts him, knowing that he really wants to do things well, and there are many possessions that can guarantee his coming again.
The rest is the Tang Priest team, so who is Monkey Sun? Who is a 72-year-old man, walking in the clouds with burning eyes? Yes, this is the second choice person, high-energy tool person, so-called workplace elite, professional manager. These people may come from 985, 265, 438+065, 438+0, and the Qing Dynasty and the North resumed diplomatic relations. This is the sadness of this story. Monkey Sun is very powerful, very powerful, but his superior is an incompetent person who knows the Buddha as the Buddha, a high-level leader with only a bodhisattva's heart and vision. Tang priest is not the most capable person. In the real society, the difference is that Tang Yan is a shareholder and an investor; The Monkey King himself doesn't own this enterprise, but he is a senior wage earner, but he is a very capable person.
Well, back to reality, if you choose one, your child's role is also the Tang Priest with the worst ability, and he may be a Tang Priest with the Monkey King skills in the future. But if you spend the same money and do the same thing, that is, most people choose the second method, then the Monkey King, a highly skilled person, will be cultivated, and the best luck here can only be the controversial figure in the "Three Rabbits" tourism network.
The question now is, if you are here now, how do you choose between the future you give your child and the 1 10,000 yuan in your hand?
However, there is a but here, that is, can your rate of return make compound interest fly? 10 years 10 times, 20 times in 20 years? Yes, 26% is your goal every year. This is a difficult goal, but the training and investment of institutions can improve your winning rate. Winning rate is the probability that the winner will get this rate of return, because on this road, probability is the most important, which is called certainty. Twenty years later, you are over 50 years old, but you have enough courage to let your child try bravely until his next generation. This is also the reason why most people make the wrong choice, because it is not easy to see through this. This is a problem from short-range certainty to certainty after 20 years. However, according to human behavior, this view of long-term certainty is contrary to the process of human evolution, because if human beings only pay attention to long-term certainty when hunting and planting crops, they may not have a harvest in three years. Although you can settle down stably, people will starve to death early, because it is very important to find that plant cultivation is the staple food. If we do it again, mankind will only pay attention to the long-term and ignore the sudden attack of wild animals nearby, and I am afraid that the whole tribe will soon disappear.
However, from the moment Professor Daniel Kahneman won the Nobel Prize in Economics, behavioral economics made people realize the deep-seated animal instinct significance of the behavior described by Gustave Le Bon in Mob. Knowing this, we know that due to the inherent tendency of human beings to pay attention to the short-term situation and ignore the long-term interests, most people have chosen the wrong approach, whether in children's education or other major decision-making issues, resulting in most people living at the bottom of society stably, and they can't escape this strange circle.
This is another story. Britain has been experimenting for 70 years. Of course, many people know this experiment. This is just a simple example.
As early as 1946, just after World War II, everything was in full swing. As the future of the country, British scientists pay special attention to the psychological state and growth trend of children after the war.
Here is a talk at TED in America for your reference.
Links: Lessons from the longest research on human development
Here is an introduction:' In fact, there is a study that makes a quantitative comparison. It observed the children who grew up in long-term poor families and their performance in school. The data shows that even if everything their parents do is right-urging them to go to bed on time, reading to them every day and so on. They can only help their children to do so. Good upbringing can only reduce the educational gap between rich children and poor children by half. That means that poverty will leave lasting scars, and it also means that it is very important to eliminate child poverty if we really want to ensure the success and happiness of the next generation. "
The British "7 Up" documentary series also records how some children are solidified by the class.
1964 the first documentary series directed by michael apted. 1964, michael apted filmed the documentary "7 Up" for the British BBC TV station, and interviewed 14 seven-year-old children from different classes in Britain, some of whom came from orphanages and some from upper class. After that, every seven years, Apter will interview these children again, listen to their dreams and talk about their lives. The cycle of life begins with the real life of these fourteen seven-year-old children. Their innocent faces are full of longing and yearning for life. "Looking at the old at the age of seven", in this childlike question and answer, life has been seven years and seven years, which is a shocking performance.
The conclusion is that class barriers do exist and vision will determine the pattern. The 14 selected children come from different classes in Britain. At the beginning of the program, the director predicted that each child's social class would determine their future.
The magic weapon to change the class is not the skills and titles of the elders, but the most likely thing is wealth, because wealth can be passed down, but skills and hobbies may not be passed down. Official titles are all courtiers who come and go in a hurry, so legal wealth is a stepping stone to pry open the ceiling of the class.
Neil, who was born in the middle class, is a counterexample of the tragedy of life caused by personality problems.
Born in a teacher's family, she was lively and lovely when she was a child, just like the peerless beauty in the episode of 7 Up.
At the age of 2 1, I entered a university that my parents and I didn't like. After less than a year, I dropped out of school and went to work on the construction site for a short time. In the interview, he recalled the past. His parents, as teachers, made a career plan for him early-becoming a university lecturer or a bank manager, thinking that his life must follow this model. However, apart from studying, his parents never taught him anything about social and interpersonal communication.
This kind of strength and conservatism makes him feel inferior, depressed and anxious, and his parents' high expectations also make him look down upon. After his academic failure, neither he nor his parents could face the gap between reality and ideal.
Being overprotected by his parents for a long time, he has no ability to cope after entering a cruel and complicated society. His parents' disappointment and anger make him feel extremely lonely and self-reproached and become cynical. He even felt that he didn't deserve to have children, because children would inherit his failure. At the age of 28, he became a tramp living on subsistence allowances, never married, and an unfinished middle class.
The insecurity of the middle class makes most people feel insecure about the way to educate their offspring. This way will not make children succeed, but it is full of pressure, depression, inferiority and narrowness. All this has nothing to do with these lovely children, but the pressure of these middle-class parents has led to directional problems in the cultivation of children, but the ultimate source of all this is the unavoidable topic, the wealth prepared for children.
If you see that there are still people who are indifferent, then as long as this person is responsible for the choices he has made for his family and children, after all, choice is sometimes more important than hard work. Some people just want to be Wukong and don't want to be Tang Priest, and there is nothing they can do. After all, a Tang priest must have at least a bunch of teams to help him go to the West to learn from the scriptures. For thousands of years, mankind has not escaped the pyramid-shaped class structure, which is also indisputable. How to face it, you can only make your own choices.
Well, that's the end of the article. What I want to say is that with the help of professional organizations, the next generation of middle class can realize the path that children want to take with greater probability and save some precious time. So now the question is very clear, that is: how can we get an annualized rate of return of 26% with great probability?
End of the full text.
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Teacher resources:
1. First-line private equity tycoon, with indescribable performance, has won many awards in China and has strength.
2. Professor of Finance Department of well-known universities, such as the resumption of diplomatic relations in northern Qing Dynasty, has the strongest scientific research voice and absolute academic authority.
3. Domestic first-line financial instrument platforms, and a large number of businesses such as brokerage, futures and private placement run on these platforms.
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Help:
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