Become a rich man's eight steps to finance and inv

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Some people think that financial management is the rich, high-income families of patents, must first have enough money, have qualified to talk about finance and investment. In fact, the key factors affecting the future wealth, the level of investment return and the length of time, rather than the amount of money. Americans Charles? Carlson in the survey of 170 U.S. millionaires after issuing written a family history called \Carlson summarized, the eight action steps to become a millionaire is:
first step, start investing now. In his book, said that in the United States, more people Liucheng the first step even millionaires are not made. When everyone has taken the first step in a pile of reasons, but in fact, these reasons are just excuses not matter you're looking for. Some people might say: \Whether the goal is to prepare children for school fees, buy a new house or a comfortable retirement before the age of 50. Regardless of any target, be sure to set a plan, and in order to work on this project wholeheartedly.
The third step is to spend money on buying stocks or funds. \
fourth step, a millionaire is not as high-risk investment in the stock and get rich, most of them invest only blue chip stocks in general, slow, but low-risk money-making.
fifth step, a fixed monthly investment. Make the investment into their own habits. No matter how much the amount of investment,[link widoczny dla zalogowanych], as long as the fixed monthly investment, enough to make you go beyond 2 / 3 of the people.
sixth step, the persevering. Survey, 3 / 4 millionaire to buy a stock holding at least 5 years, nearly forty percent of millionaires will buy a stock holding at least 8 years. Capital stock to buy and sell frequently, not only adventure, have to pay high capital taxes, transaction fees, brokerage commissions, \step, the Inland Revenue Department as investment partners, use it. Dislike the Inland Revenue Department is not constructive thinking, but should the Inland Revenue Department as their investment partner, pay attention to new tax regulations, good use of tax-free investment and financial management tools to enable the Commissioner to be your assistant to get rich.
eighth step, limit financial risk. Most millionaires live a very boring life, they do not love for work, only once married or a bunch of children, usually do not move, not too many accidents or fresh life, stability is their common characteristics.
financial wealth is a \Can not predict the short-term and long-term investments with high returns, the safest investment strategy is: first, investment, waiting for an opportunity to reinvest.
create a sound financial mind
many people learn financial management, the most emphasis on how to master the skills of the investment: how to hand the money to make a profit will be and how to select the right in the stock market, stocks go up, how to use funds and other investment tools, how to invest in real estate or business, how to try to save taxes, retirement or estate of how to make the best arrangements. Yes, to be effective financial management, must understand the characteristics of various investment vehicles, and set an overall plan to implement, but as more important than these skills, financial management is to first have the right mentality. Attitude does not, even with the best fiscal management is also often in vain.
Since ancient times, is difficult to resist the attraction of money, ask who did not want to bank deposits or net assets continue straight up? But the greed of people, it is the heart is never satisfied, in pursuit of money and material, at any cost - family, health, conscience, and even their own lives. 80 Wall Street last century, experts speculate, publicly advocating \bogey.
greedy addition to causing financial losses, but also harm personal health and family life. Suggest that you reflect on your take on the financial state of mind, then take time to make a prudent financial planning, to patiently wait for harvest.
in the end what the rich have special skills, those who daily live frugally, work hard day office workers are lacking it? How can the rich accumulation of life so much wealth? That is: the ability to finance and investment. Financial literacy gap between the poor people is really the main reason causing the gap between rich and poor.
prerequisite to obtain financial freedom financial rich
only have three basic conditions: a fixed deposit, the pursuit of high returns and long-term wait.
assume that a young man, on a regular basis from now on be able to able to save 14,000 yuan a year, so for 40 years; if he can invest the money saved each year to the stock or real estate, and received an average of 20% of investment per year rate of return,[link widoczny dla zalogowanych], then 40 years later,[link widoczny dla zalogowanych], how much wealth he has accumulated? Guess the amount of ordinary people, many fall between two million to eight million yuan, at best guess 10 million yuan. However, the correct answer is: 1.0281 billion, a figure that surprised everyone. This data is calculated in accordance with Finance was of the formula annuity, calculated as follows: 1.4 million (1 +20%) 40 = 1.0281 billion.
description of this magical formula, a 25-year-old office worker, if the investment in accordance with this approach retirement age of 65, can become a billionaire. Finance and investment, no complicated techniques, the most important concepts, ideas, the right would win, every financial wealth of the people, but people do not like to develop a general, and can not do the habit.
call saying goes: \How much human life can accumulate money, not depending on how much money you earn, but how you finance. Wealth lies in how to manage money, not cut costs.
Currently, the savings is still the most traditional way of managing money. However, short-term money in the bank is the safest, but it is the most dangerous long-term finances. What wrong with bank deposits? The fault lies in the interest rate (investment return) is too low, not suitable for long term investment tool. Also assume that a deposit 14,000 yuan each year; and all the money he deposited in a bank, enjoying an average of 5% (not to mention we are now in a period of low interest rates, low interest rates negligible, one-year was 1.98% ) interest rate, 40 years later, he can build 14 thousand yuan (1 +5%) 40 = 169 million. And return on investment rate of 20% of the project compared to the difference between the income actually 70 times.
Moreover, the monetary value of inflation, there is a stealth killer. Under 5% inflation, the money in the nominal interest rate of about 5% of the bank, then the real return is zero. Therefore, the amount of a family in the bank to keep two months of living expenses is sufficient. Many financial experts recommend three portions of property, a deposit bank, an investment property, a more speculative investment in the tools. Investment portfolio may wish to split into \