Wage Earners Do Not Just Work Hard To Start Managing Money From The Time They Eat Their Youth Meal.

The working class is a commendable quality to earn money to support their families and work hard, but sacrificing health and family is not worth praising.

In this regard, Jiaxing Reed financial planner pointed out that do not blindly work hard, so easy to lose the opportunity to make money.

Why do we say so? First, from the point of view of financial management, if you never manage money, you only know how to make money, it is really a profitable business.

Loss.

Reed, a financial planner, thinks that the following three concepts may be changed.

This is Robert, the author of rich dad and poor dad.

That is, the majority of wage earners should first earn the non wage income over expenditure, and then have the opportunity to jump out of the "rat trap" to get the chance of financial freedom.

Therefore, the working class, no matter how to save, try to save a lot of money every month, which is the basis for the pformation of "wealth" value.

For those who are still working people, less than hundreds of thousands of dollars a year, they do not belong to high-income groups.

Therefore, even if there is a certain wage income, it is unlikely to get rich.

So, you have to give up the idea of high salary = get rich, plan carefully for the next ten or twenty years, instead of simply thinking that you will be able to live well.

The times are changing rapidly, especially in terms of technological upgrading. Perhaps young people have more advantages.

Like the IT group, it is a relatively typical technology upgrading industry. Now, having a high salary does not mean that the next 10 years will be a high salary. No one wants to be eaten by a company or industry as a youth meal.

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"Tell us that you must learn to make money by making money.

This is not only a biblical lesson before 2000, but also applies to the present.

Rockefeller, the US oil magnate, once had an image metaphor for capital: "for businessmen, money is just like blood and human body. Poor circulation of blood can easily lead to disorder of body mechanism, and inflexible use of funds will lead to business failure."

Therefore, only by accelerating the speed of capital operation can we create more wealth.

Rich people always invest their money in new projects and make money with money.

To understand the above three points, what can we do as a wage earner?

Reed, a financial planner, thinks that the salaried class may help to accumulate wealth by making money. At present, there are plenty of financial investment tools on the market, but investors should choose their own financial situation and risk tolerance when choosing financial products.

Aggressive investors may be more attracted to high-risk investments such as stocks and foreign exchange.

Conservative and prudent investors can consider the allocation of bank financing products. The average annual yield is around 4%-7%, and the capital adequacy (such as more than 1 million) can also be considered in trust.

In addition, investors who are between them, Reed financial advisor of Jifeng, suggested that some fixed income products with low investment threshold should be allocated.

For example, the product of Yisheng Bao, which is relatively popular at present, has an annual yield of 10%, and 10 of the annual income of 10 thousand is quite good. It is suitable for most of the families and individuals with capital surplus.

Finally, Jifeng Reed financial management division reminds you again that financial management is a big learning, and the key is action.

In addition, investment requires a calm investment attitude and a correct understanding of risks.

When we were 20~40 years old, it was time to eat our youth, and we still had 20-30 years to retire.