Tisch
Robert? Kiyosaki wrote in the book Poor Dad Rich Dad: "Most people in the world only know how to make money hard, but they don't know how to make money work for themselves."
As said, most people are used to thinking that only by working hard can they get more wealth, so they work hard day and night. They can get a meager income that is not proportional to the labor they pay, so they express injustice and dissatisfaction. In fact, many rich people are not necessarily more diligent than them, but they are familiar with the laws and secrets of wealth.
Many people, especially China people, are afraid to invest in financial management, because they are bound by traditional conservative thinking and lack courage. In their view, as long as they can keep the wealth they currently have, they feel very satisfied. In fact, they don't understand that the failure or slow growth of wealth itself means the loss of wealth.
According to the statistics of western economists, inflation in western countries is growing at a moderate rate of 23% every year, and the poor bank deposit interest rate cannot but eat the inflation rate alive. In China, the interest rate of bank deposits has never been faster than that of CPI, which is tacit. How many people have worked hard to save money for a lifetime, only to find that their wealth in life is so poor after taking it out. In fact, inflation is like a vampire, it will squeeze our wealth at any time; When it becomes rampant (that is, there is so-called hyperinflation), it can even leave us with nothing. Even if you don't want to get rich, just to protect your hard-earned money, it is necessary to learn how to manage money.
As the ancients said, contentment is always happy. So what is enough? According to the definition of financial freedom, that is, when passive investment exceeds expenditure, it means financial freedom is realized. In the case of financial freedom, people have the foundation to live comfortably, because even if they do nothing, they can still live comfortably.
There are many channels for investment, such as stocks, real estate and insurance. There are also various investment methods, some people tend to protect the capital, and some people take risks to get huge profits. In the final analysis, different attitudes towards investment and financial management have led to various results. Of course, investment and financial management need profound knowledge and technical ability, but mentality and personality are also important factors to determine the investment results.
In my opinion, the essential attitude of investment is: cautious, decisive and brave.
First of all, prudence is particularly important for a person, whether it is investment or life. Mediocre investors are used to blindly following the trend. They may have got some gossip from somewhere, and they firmly believe that an investment is profitable, so they rush headlong into it and put all their money together, regardless of the consequences. They don't rely on their own rational judgment, but follow their feelings. Sometimes, they will make a fortune or two; However, a major blow may ruin them. Moreover, they are eager for quick success, impatient and dismissive, but they are used to putting all their eggs in one basket with gambling thinking.
Get rich overnight. They often fall into their own ideological trap and overestimate their luck, but once the loss comes, they suddenly realize it, but it is too late.
There is an old saying in China, which is called "You are not afraid of running out of firewood if you stay in the green hills". For investment, we would rather earn less, but we will never take risks. Even if you earn less, the capital is still there. With capital, there is a future. If you put all your eggs in one basket and there is a mountain, there is no chance of a fire.
Secondly, although prudence is important for an investor, he also needs a decisive character. Someone asked Confucius, "Think twice before you act, so what?" Confucius replied, "It's OK again." Again, twice. Caution can certainly reduce investors' misjudgment of future risks, but if it is too cautious, it will become indecisive and unable to make a decision, which will only delay the opportunity and miss the opportunity. The investment market, especially the stock market and foreign exchange market, changes rapidly, and sometimes it is difficult to recover if you miss a chance. For example, the real estate market in Nanjing was relatively cold in the first half of 20xx, and people are still considering whether the housing market in Nanjing will rise or fall in the future; As a result, housing prices in Nanjing soared in the second half of the year, and houses under 20 thousand were almost impossible to find. If investors can seize the opportunity in the first half of the year, there will be a lot of gains in the second half. In the second half of the year, we will consider investing in real estate, and house prices may have risen to the point where investment is unaffordable.
Finally, investors need courage. Courage here is the courage to face failure. The so-called "often turn around by the river, how can you not get wet", investment activities are both risks and benefits; Moreover, the investment market is changing rapidly, and no one can predict all future economic trends. Therefore, investors should be prepared for failure from the moment they are ready to invest.
According to psychological analysis, human beings tend to pursue perfection, and once perfection is broken, there is a great probability that they tend to give up on themselves. A cautious investor may lose his usual reason after suffering losses, but he hopes to earn back all the losses at once through gambling, resulting in a vicious circle. This is a sign of lack of courage. When an investor has enough courage, once he suffers losses, he will convince himself to keep calm and still make steady money step by step. The calmness brought by this kind of courage enables him not to be embarrassed or humiliated, and always treat all trends and layouts rationally to ensure his basic safety in the overall situation.
The extreme manifestation of lack of courage is that people who lose their wealth may even give up their own lives and their own lives. Originally, because of money, they have countless auras and glory in their lives, endless comfort and leisure, and their families are rich and happy enough. But an investment failure may take all this away. Therefore, people who lack courage may drink all day, get drunk, let life slip past them, or even *. In fact, although money is important, after all, it is a thing outside the body. It will not be taken when you are alive, nor will it be taken when you die. Pursuing money is not the purpose of life, but only to make yourself and your family live better; However, if you lose money and choose to end your life, it means that you live better in pursuit of money, so you put the cart before the horse, so what's the point of pursuing money? Therefore, once the investment fails, you also need such courage to admit the fact of your failure and tell yourself that as long as life is still there, there is still a chance and everything is not over.
Some people say that "personality determines fate", and investment and financial management is the chessboard of personality. What kind of thoughts and what kind of realm will be harvested. Before learning the knowledge and skills of financial investment, it may be more beneficial to cultivate your own character strengths.
extreme
Financial management is a tool for actively planning life through self-knowledge, rational allocation of life assets. This concept of financial management benefits from participating in the personal financial management course training class organized by the Party School of the District Party Committee. This learning experience has completely changed my previous shallow understanding of financial management, that is, not spending money indiscriminately, saving money, and having a certain amount of savings. It has deepened my understanding of financial management, broadened my vision of financial planning, and further improved my financial investment level.
In the training class, the lecturers explained in detail the basic concept of financial management and various investment tools and operation methods derived from the concept of financial management. Through the lecturer's detailed explanation, I learned that financial management and investment are not strictly the same concept. They are both related and different. Investment is the most important part of financial management and the scope of financial management is wider. Simply put, financial management mainly considers the preservation of wealth, and then considers the appreciation of wealth, focusing on stability and planning. And investment is about how to Qian Shengqian and how to use the capital in hand to get higher returns. Therefore, the investment income is accompanied by corresponding risks. At present, most people say that financial management actually refers to investment.
The lecturer once gave us a small test on how to invest selectively in class. The purpose of the test is to judge whether a person's personality is conservative or radical. The content of the test questions is not mentioned, but it reflects that both financial management and investment have a great relationship with a person's own personality. Relatively speaking, conservative people will choose investment methods with less risk and stable income, while radical people will choose some projects with greater risk and higher income to invest. This conclusion reflects the investment psychology of most people. Although people are influenced by many external factors in different periods and stages, such as different personal needs, income, expenditure, risk tolerance, financial management goals, etc., investment should first determine their own life goals and investment goals, and at the same time consider their own risk tolerance, and then choose investment products and investment ratios.
Although there are many kinds of derivatives for investment, such as general savings, insurance investment, the most common investment tools such as stocks and funds, and special products such as precious metals and works of art, you should fully understand and master the main points before investing, and you should not invest at will. The bottom line of financial management is not to lose money. You must invest under the premise of capital preservation, and you can't invest impulsively.
So how can we make ends meet? This requires us to have a thorough understanding of our investment direction. If we choose the stock market as our investment tool, we must understand the big market. If you choose a fund as your investment tool, then you must know the information and situation of the stock market. If you choose savings or insurance as an investment tool, you must know the country's annual interest rate, inflation rate and insurance rate of return. Investing rashly is a financial taboo.
Of course, as long as you invest, you will inevitably encounter losses. Actually, the loss is not terrible. What's terrible is that I don't know how to deal with the current predicament after losing my impatience and annoyance. Therefore, how to maintain a stable and mature mentality is also the key to investment. Learn to study and analyze, form your own investment ideas, and use investment ideas to manage and allocate your own investments reasonably. Such confidence is the basis for establishing a mature mentality.
Three days of study is still too short for me, but I understand that only practice can produce true knowledge. The theory learned must be combined with the financial planning practice in the future. With the accumulation of wealth, the growth of age and experience, financial planning is constantly adjusted and digested to make it more in line with my life requirements. This study opened my eyes and saw the vast world behind financial management, which also pointed out the direction for my future financial planning.
Tisso
I have been engaged in financial management in the bank for more than four years, from ignorance to certainty, from complexity to simplicity. Four years is not a long time, but I have some feelings.
In June, 2005, after attending the training of retail account manager of China Bank, I began to engage in bank financial management. There are many puzzles about bank financing four years ago: there are very few types of bank financing products, and customers and even financial planners themselves can't really understand the meaning of financing, and financing and investment are simply equated! Speculating in foreign exchange and selling funds were the so-called "financial management" in those days. It is no exaggeration to say that the financial planner at that time was equal to the product salesman. However, from 2005 to 2006, the A-share market was still in shock, and it was not easy for customers to summon up the courage to invest.
Some people say that financial planners in banks are now equivalent to product salespeople. I beg to differ. Compared with a few years ago, today's bank wealth management products are much richer, providing more choices for various asset allocation in financial planning. The products we recommend to customers should be centered on meeting asset allocation, and the essence is marketing centered on customer needs, not for product sales. In 2007, I participated in the training of AFP and CFP successively. Although it is difficult to use highly specialized knowledge in investment planning, such as calculating variance, standard deviation, duration, etc., it is also difficult to comprehensively apply the knowledge I have learned in insurance, taxation, retirement, estate planning, etc. to the financial planning of customers, because it is usually difficult for you to grasp the overall financial situation and all needs of customers. However, as long as we have systematic financial planning knowledge and consciously apply it in practical work, not only will our financial service level change qualitatively, but the customers we serve will also update their financial concepts in a subtle way, which is great!
Today, bank financial planners are still facing the pressure of marketing tasks, but my working principle is: put marketing tasks aside and put leadership pressure first. Only by focusing on the interests of customers and truly considering the interests of customers, I suggest that customers expand their investment income on the basis of asset allocation, so that customers can become rational investors, and financial management can become living water and a tree with roots. In fact, the interests of customers are consistent with the long-term interests of banks.
These are some thoughts of my personal financial management experience, and I want to share them with you.
Article 4
First of all: mood: this is a very important one. When you are depressed or extremely excited, it is recommended that you calm down first and then have surgery. When you are depressed, you often lighten up your position or make a profit prematurely. When you are extremely excited, there is often greed, which may turn the profit list into a loss list.
Article 2: Location: The location of the order is very important. Although gold has two modes of operation: multi-mode and empty mode, there are actually four modes of operation: low mode, low mode, high mode and high mode. In unilateral momentum, these four modes are all desirable. If it is in a volatile trend, remember not to be low-modulus and high-modulus, which is equivalent to chasing up and killing down. It must be remembered that many people are caused by chasing up and down.
Article 3: Position: How to allocate funds is related to how much you can bear. If the position is too large or Man Cang operates, once the trend reverses, the loss will increase, and the pressure in your heart will also increase. It is often impossible to carefully analyze the market trend, leading to operational errors.
Article 4: Take profit: Many people often fail to take profit well, so that the profit list becomes a loss list. Under the unilateral trend, take profit can increase profit space by pushing stop loss method. In a volatile market, take profit often requires personal thinking to close the position, and not every order has to earn thousands of dollars. In the fluctuating market, sometimes hundreds of profits add up.
Article 5: Decisiveness: A qualified gold investor needs to place an order decisively. Since he has an idea, he should do it according to his own idea. Don't hesitate, don't be afraid of loss. A reasonable stop loss will help you avoid risks and become your strong backing.
Article 6: frequency: it is impossible to grasp every wave of market, and it is necessary to master the appropriate trading frequency. Too many transactions may lead to technical analysis errors.
Article 7: Mentality: This is very important. When you step into this market, it is undeniable that everyone is reporting making money. Earning more and earning less affects the mentality. What we have to do is to earn less without losing money, not to earn more and earn less.
Article 8: jiacang: jiacang is a science. In the unilateral momentum, you can add homeopathic orders appropriately, but remember never to add orders against the trend. Adding orders against the trend will often increase losses, and the change of stop loss against the trend is even more difficult to undo.
Article 9: follow the trend: follow the trend. When the market is unilateral, don't think about adjusting at any time. Maybe all the indicators are at a high level, but when the indicators deviate, remember never to go against the trend.
Summary: People who often suffer huge losses or short positions will commit one or more of the above. If these items can be observed, then you can be invincible in the gold market!
chapter five
Summing up experience: In the first phase, I learned that the securities industry is good and I can make money without looking at others' eyes. I earned the first bucket of gold in XX, and lost 60% of my investment principal in less than three months. I lost my way, but I'm not willing to quit this industry in order to fight again and seek knowledge of securities investment.
In the second period, only by knowing the knowledge of securities investment can we succeed. As a result, I was so busy that I thought of changing careers, but I'm sorry to have spent so much time and money in this industry. In order to know more about the stock market, I joined a securities company in 1998. . . . . .
In the third stage, I studied continuous learning, put into the technical analysis of Gann theory, and made a lot of research notes on trend, shape, energy, time-space transformation analysis and tracking. Fundamental analysis, pay attention to the influence of the new national policy on various industries, do a lot of research on the industries, geographical environment and senior management of listed companies, and choose the best investment plan in combination with the actual investment design. I still have a good income from 2400 to 100 every year. It is very important to learn investment skills and choose different best investment schemes for different investors. Knowledge is rich in investment, but it is also simple. Generally speaking, there are only two kinds of investment, investment and transaction, and the results and practices are quite different. The investment time span is longer, and 3-5 years is not too long. This kind of investment income is both stable and powerful, and the start is simple. After selecting listed companies, buying 70% of the funds in batches and then investing 30% in transactions can quickly reduce costs. Trading investment is the most critical to technical analysis. It is recommended that people who do not understand technical analysis do not do it. If you don't do it well, your assets will lose at least 30% every year. Trading investment can only be done by people with small funds who understand technical analysis, and good returns are quite close. However, at present, 70% domestic investors have no trading investment, resulting in losses for most investors. Does not mean that there is no way out for trading investment. We should stick to the suggestion that trading investment should be held for no more than 5 days after buying. If the profit is above 3%, you should consider lightening your position, and set your own lightening position at least not less than 1/3, which can quickly reduce the cost, and throw away the rest at an appropriate time. If you don't achieve the expected results after buying, you will lose money, that is to say, you should improve your judgment errors in time, try to lose less or not, and avoid trading speculation turning into investment.
In the fourth stage, choose the best scheme and design different profit schemes according to the investment income requirements and time of personal strength. You can tell me your expected annual income and I can design a financial plan for you.