Financial management tips handwritten newspaper content

First, what is financial management?

Financial management is to accomplish great things, good things or snowball wealth with the least money.

1. A country can only be rich and strong if it is good at financial management.

2. If a family knows how to manage money rationally and spend the money where it should be used, the family will become more and more prosperous.

Children can manage their pocket money, make plans and plan their own property.

4. Write down the daily expenses on the account and make it clear where the money is used.

Doing housework can earn pocket money.

6, from all aspects of life, understand the meaning and use of money, spend every penny.

2. 1. Some misunderstandings about personal finance:

Myth 1: Financial Management = Investment

Customers who come to the financial center may first ask the financial planner:

"Give you 1 10,000 yuan, how much yield can you give me?" People always associate financial management with investment. But in fact, "investment" and "financial management" are not the same thing and cannot be equated. Financial management focuses on life planning, teaching you how to make good use of every penny at hand. It should not only consider the accumulation of wealth, but also consider the protection of wealth. The investment is concerned with how to go to Qian Shengqian. Therefore, the content of financial management is much broader than investment. Investment behaviors such as stock trading cannot be simply equated with financial management, but financial management should be regarded as a system. Through this system and process, people's lives can reach the realm of "financial freedom", thus making life worry-free. In foreign countries, the job of a financial planner is to design a life plan according to the customer's income, assets, liabilities and other data, fully consider their risk tolerance, and help implement it according to the set goals, so as to achieve the purpose of creating wealth, preserving wealth and transferring wealth. When managing money for customers, financial planners must first understand the customer's life goals and real detailed information (including family members, income and expenditure, various assets and liabilities, etc.). ); Secondly, objectively analyze the collected information, generally focusing on the financial situation such as assets and liabilities, cash flow and the prediction of future life. After careful analysis, financial planners will use their professional knowledge to make financial planning books for customers and help them implement their plans. In this process, it is necessary to constantly communicate with customers, regularly modify the content of financial planning, and provide follow-up services. Therefore, while pursuing investment income, financial management should pay more attention to a series of overall life planning such as career planning, tax planning and risk management planning.

Myth 2: financial management follows the crowd and blindly follows the trend.

In recent years, the money-making effect of the stock market has made many people in China more eager to get rich quickly. Under this trend, we can often see that there are many old people in securities companies who may invest all their pensions in the stock market.

Regardless of risk. With the continuous introduction of new financial products, we can also see a similar upsurge.

From the perspective of family financial management, a person's life can be divided into different stages. At each stage, people's income, expenditure, risk tolerance and financial management objectives are different, and the focus of financial management should be different. Therefore,

We need to determine our life and investment goals by stages, constantly examine our asset allocation and risk tolerance, constantly adjust asset allocation, and choose the corresponding investment varieties and investment ratios. Generally speaking, family assets should have a reasonable allocation. At present, for domestic people, family assets are mainly financial assets.

Financial assets are distributed in deposits, insurance, funds, bonds, stocks and other products. Because of the different risks and returns of these investment products, the proportion of investment portfolio must be considered according to different ages when managing money, and it is not appropriate to invest all the funds in a single variety. For investors,

The younger you are, the more risky investment products you have, such as stocks, but with the increase of age, the proportion of risky investment products will gradually decrease. There is a view abroad that property is divided into four parts, mainly including real estate, cash, bonds and stocks. There are different portfolios for different ages. For example, if you are 25 years old, financial planners will generally recommend this portfolio: real estate accounts for 65,438+00%, cash accounts for 5%, bonds account for 20%, and stocks account for 65%.

Myth 3: pursue short-term gains and ignore long-term risks.

In recent years, with the cumulative increase of house prices generally exceeding 30%, real estate investment has become a hot spot, and the financial management experience of "keeping a house with a house" has been widely circulated. Faced with the "profit" that the rental income exceeds the loan interest, many owners are secretly pleased with their "investment success". However, when buying a house, some investors do not fully consider the real cost of their investment in real estate and the uncertain risks in the future, and only pay attention to the immediate interests. In fact, many investors often ignore many possible costs when calculating income, such as various management costs, vacant costs, decoration costs and so on. At the same time, there is a lack of reasonable expectation for some possible risks in the future, and there is a certain blindness. Japanese and Hong Kong citizens who have experienced the "real estate bubble" may have realized the huge risks brought by real estate investment. Therefore, it is suggested that domestic investors must conduct in-depth research and analysis when investing in real estate.

Be psychologically prepared in advance, and don't expect too high expectations and long-term profits, because there are nine risks in real estate investment, namely, Standard Chartered Bank, and the rent will fall or cannot be rented out-Greater Bay Area Wealth Management-cross-border wealth management advertisement will be launched soon _ We have set up a special "cross-border wealth management" project team in Greater Bay Area to help you grasp the opportunities of global investment.

Operational risk.

Borrowing risks caused by changes in the financial system;

Liquidity risk that cannot be sold;

Inflation rate is higher than real estate income.

Profit rate risk; The risk of interest rate changes; Legal risks; Commercial risk; Environmental risk and disaster risk.

Myth 4: Financial management is to make money, and 72.9% of the public agree that "financial management is to make money, let wealth increase, and making money is the first". This kind of understanding can easily breed the psychology of quick success and instant benefit. _ At the beginning of this century, many wealth managers poured their life savings into the stock market and then fell into the abyss, after which the quality of life was greatly reduced. The definition of personal finance by the American Financial Planner Qualification Committee is: "Personal finance refers to the process of how to make reasonable financial resources planning and realize personal life goals." China financial planning experts believe: "The goal of personal financial management is to establish a safe, rich and healthy living system for themselves and their families, realize the goals and ideals at all stages of life, and finally reach the realm of financial freedom." Most people don't agree with this view, but more than 1/5 people agree with this view, showing the mentality of quick success and instant benefit. Among them, the younger people agree with this view; The higher the income, the less people agree with this view; The higher the education, the less people agree with this view. These show that young people are immature in financial management and expect to get rich overnight;

The public cognition of high education and high income is relatively mature.

Experts pointed out that the core goal of financial management is to rationally distribute assets and income, and finally achieve the realm of financial freedom.

We should consider not only the accumulation of wealth, but also the protection of wealth; It is necessary to invest in profit and control risks; It includes not only investment and financial management, but also life financial management. Financial planning involves all aspects of life goals and constitutes a financial planning system. Therefore, personal financial management must first ensure to meet their normal living needs, followed by reasonable arrangement of surplus property and reasonable division of living expenses and investable assets.

Second, the new concept of personal finance: _

Idea 1: Put money in your head.

After Xiao Wang retired from the army, he spent all his salary on books and various trainings. Later, he got an MBA.

Certificate, job-hopping to a foreign company as a senior manager, the salary is several times higher than the original. It seems that knowledge is wealth, which is true. It's better to spend money on famous brands when you are young than to put it in your head.

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Concept 2: Educating children well equals making money.

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If the child's academic performance is average, he wants to pay the school selection fee to go to a better middle school; The results of college entrance examination are not satisfactory, and the expenses of high-priced students and private universities are higher. Therefore, many savvy parents have learned the trick from it and changed the old method of only considering saving money for their children's education, but paying attention to early investment such as inviting tutors, attending training classes, and learning specialties. The child did well. If they are close, they will save money on choosing a school. If you are far away, it will be more conducive to children's future employment.

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Concept 3: Husband and wife

Share the expenses equally

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System refers to a new family economic model; There are roughly two forms: one is that the husband and wife each contribute part of their money as family public funds to pay household expenses such as rent, utilities, etc., and the rest are managed separately; Another kind of entertainment, shopping, car fare and other expenses are paid separately, and only large expenses such as mortgage and investment are borne equally. _ This kind of financial management can give full play to one's personal specialties and spread the risk of family investment. At the same time, the economic independence of husband and wife also helps to reduce contradictions and promote family harmony.

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Idea 4: Save money by health.

Although people's income is increasing, it still can't keep up with the rapid increase of hospitalization expenses. There is a saying that health is a blessing. As long as you are healthy, you can naturally save a lot of money. People's concept of health should be gradually changed. If you don't know health care and savings, and don't want to spend anything, you will undoubtedly step into the misunderstanding of greed for small things and losing big things. Part of the expenses should be invested in traveling, buying fitness equipment and eating properly. Reducing the chances of hospitalization is actually a kind of scientific financial management. Invest more in health, only health is the biggest savings.

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Concept 5: Peace is like making money.

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In this world, peace is not only a blessing, but also equal to making money. Therefore, financial management should put safety in an important position.

When going out from home, from adults to children, from electricity to fire, from cycling to walking, we must take safety precautions. Bicycles, water heaters, pressure cookers, wires, etc. should be replaced in time if they are found to be damaged, obsolete or expired, and safety should not be ignored in order to save money.

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Concept 6: Don't be greedy for money and don't break it.

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Nowadays, there are many swindlers in the society, and there are also times when swindlers come to your door in life. The reason why swindlers can succeed repeatedly is nothing more than all kinds of attractive excuses. The reason why many people are deceived is nothing more than greed for cheap. In fact, there is no pie in the sky, and there is no free lunch in the world. This is common sense that everyone should know. As long as you don't hold the idea of being greedy and cheap, and always be alert to the temptation of the outside world, you will naturally not be deceived. It is actually a successful financial management.

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Concept 7: Break small fortune and avoid big disaster.

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As long as conditions permit, we should consider buying life insurance and medical insurance (including personal accident insurance and critical illness insurance) for our families as soon as possible. Although this kind of investment does not ask for a return, it is best to waste water, but as the saying goes, there are unexpected events in the sky, and people have fortunes. Once disaster strikes (especially the accident of the adult who is responsible for the main source of family income), whether or not to buy insurance will make a world of difference.

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Concept 8: Diligence is not as good as orientation.

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In the past, we often said that we could not eat, wear or be poor, but now it is out of date. Income and expenditure are becoming the most popular new concept of financial management. Give full play to one's personal expertise to do business or find a part-time job to broaden financial resources; After making money, you can enjoy the fun of life brought by making money and spending it scientifically and actively.

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