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Jingdong book

30年后,你拿什么养活自己?顶级理财师给上班族的财富人生规划课

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30年后,你拿什么养活自己?顶级理财师给上班族的财富人生规划课

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《30年后,你拿什么养活自己?理财师给上班族的财富人生规划课》是一本韩国加印122次,连续192周蝉联畅销书榜的奇迹之作。全球金融巨头渣打银行三大财富管理师强强联合,以一个妙趣横生的理财励志故事,揭示即使是普通工薪族也能跨越成为富人的秘密!许多人看过《30年后,你拿什么养活自己?理财师出上班族的财富人生规划课》后,恨不得重新活一遍!CCTV《理财教室》理财专家刘彦斌鼎力推荐:这本书能让你成功跨越穷人和富人的分水岭!
富人说:“钱不是问题。”
穷人说:“问题是没有钱。”
富人和穷人的差别是什么?每年每月每天,你总在为钱苦恼?
现在和未来30年究竟有多大关联?每天忙得领带歪了,妆花了,为什么还是“月光”一族?谈到未来还是一片茫然,唯恐躲避不及?
理财专家告诉你,你不是穷,只是没用对方法!
财富管理师告诉你,不用逃避,你只是没有更早看到《30年后,你拿什么养活自己?理财师出上班族的财富人生规划课》!

Content Description

钱小俊是一位时尚的“月光族”,他有一份令人羡慕的高薪工作和一个幸福的家庭,虽然是按揭贷款,但也是有房有车一族,生活也算是丰衣足食。可是一场梦境、一个自称财富精灵的人的出现彻底改变了他的生活,颠覆了他固守了30年的思想。于是,在财富精灵和理财专家的指引下,他开始了自己的人生规划……
理财是成功规划人生的第一步——而这恰恰是学校里从未教导我们的最重要的一课!富人都是聪明人,但聪明人却不一定都是富人!三大财富管理师将自己多年的心血、理财经验、人生规划的智慧融进书中,许多人在看过《30年后,你拿什么养活自己?知名理财师出上班族的财富人生规划课》后,恨不得重新活过一遍!在韩国,有超过100万人在读完此书后决定理财,开始为30年后的生活做准备:一位20多岁的高薪白领女性丢掉了“包包控”的外号,一位年近40的男子悔恨自己没有更早看到《30年后,你拿什么养活自己?知名理财师出上班族的财富人生规划课》……
Author Description

高得诚,渣打银行财富管理师 、畅销书作家。拥有会计师、税务士、国际公认财务规划师资格,理财高手。韩国高丽大学经营学系毕业,曾任职于产栋会计法人、英和会计法人,以及I&S法律事务所。同时也在情报通信部、京几中小企业厅、金融研修院、Credu、LG火险、ING忍受等机构讲授理财投资、解说秘方、养老规划,并将本身专长编写成书。著有:《一夜之间征服的富翁税金笔记》《只要了解14种原理,也能学会简单的会计》。
郑成镇,渣打银行财富管理部门主管。毕业于韩国高丽大学经营学系,之后又在同系研究所专攻会计学。曾任三晟会计法人会计监事,以及各项顾问业务,现为明知专门大学税务会计学系教授。
崔秉熙,渣打银行财富管理部门主管。国际公认财务规划师、金融资产管理师、期货交易顾问。毕业于西江大学经济学系,曾任职长期信用银行、国民银行、HSBC,负责VIP顾客咨询及私人财富管理业务。
Comments

理财是为明天的生活存储今天的财富。“30年后,你拿什么养活自己”是每个人都应该关心的问题。流畅的行文,精实的内容,中肯的建议是好书应有的三大特点,这本书全都包括了。这本书能让你成功跨越穷人和富人的分水岭,我希望大家都来看看这本书!
如果你现在20岁,请一定要看这本书。
如果你30岁,那还不算晚,这本书非看不可。
如果你快50岁,虽然晚了一些,还是有机会,也许你能从书中找到捷径。
如果你超过60岁,请一定要建议你的子女看这本书!
——畅销书《理财工具箱》作者,CCTV《理财教室》主讲理财专家刘彦斌

我常反问自己“有必要从现在就开始担心未来吗?”这本书明确地让我知道“为什么一定要从现在开始准备”,同时也让我学习到规划未来生活的具体方法。如同作者所说,未来规划“越早越好”,而且“毫无选择,非做不可”。
——Hanna银行Gold Club PB部长 姜元庆

看这本书时忍不住战栗,心想“这不正是我的写照吗?”因为内容真实太写实了!在三十岁后半能看到这本书,算是相当幸运。如果没看到这本书,我幸福的三十岁退休生活可能就此飞走了。
——大宇证劵主管 李政焕

对于刚出社会的我,书里都是我必须知道的内容。还好,在还来得及之前发现了这本书,真实万幸!
——阿拉丁网络书店网友
Catalogue

刘彦斌推荐序 理财是为明天的生活存储今天的财富
编者序 今日的准备,决定未来的30年
前言 这就是你所需要的
Chapter 1 30年后,遇见快乐富足的自己
未来30年你将面临什么
你将以何种姿态面对未来
30年后,你拿什么养活自己
机会只留给准备好“治富”的人
留足过冬的粮食比什么都重要
理财规划就是生涯规划
邂逅财富精灵 理财就是理人生
现在的60万等于30年后的1000万
投资自己——最稳当的赚钱方法
用对方法,开启人生崭新旅程
Chapter 2 如何投资比做多少投资重要
制定富足一生的计划
绘制一张希望的地图——目标资金的准备
理财规划越早越好
实现无忧人生5步骤
检视你拥有的资产
量入为出——致富的不二法门
真正对子女负责的教育投资
薪水族最佳理财方法大揭秘
潜能开发致富——副业与创业
Chapter 3 向专家学习致富之道——尽早精通理财方法
找到诀窍,理财就是这么简单
复利的威力胜过原子弹
复利,时间就是金钱
理财规划,一寸光阴一寸金
物价上涨,财富增长最危险的敌人
思维模式的转换 ——从储蓄的时代到投资的时代
风险是获得收益不可或缺的工具
管理基金,管理人生
不同时期,不同投资战略
幸福家庭大计
财富人生由此启动
Chapter 4 重新设定“财富调节器”
现在开始,向贫穷说再见
8道关卡,开启财富自由之门
20多岁,投资自己,培养“治富”能力
30多岁,贷款投资要慎思
40多岁,资产结构调整需重视
50多岁,投资方向转移是重点
Chapter 5 薪水族晋级富豪十大必学要诀
要诀 1 在自己的工作上获得成功
要诀 2 笑到最后才是最终胜利者
要诀 3 打败吃钱怪兽——物价上涨
要诀 4 拖得越久,负担越大
要诀 5 子女教育资金与养老资金的均衡
要诀 6 安全的投资产品不等于安全的未来
要诀 7 加强对闲置资金的管理
要诀 8 视“变化”为常态,时刻做好准备
要诀 9 每年制作一次财务状况表
要诀 10 保持健康,享受人生
Book Abstract

小时候,大人告诉你“努力学习,取得好成绩,上个好大学,你就能找到薪水高、待遇好的工作”。现如今,你毕业了,工作 了,每天朝九晚五,力争上游,假日和朋友出游,偶尔锻炼身体,不时约朋友小聚、看电影、Shopping,虽然累点,也算过得有滋 有味。那30年后呢?你是否想过自己30年后的生活?牵着老伴的手在希腊爱琴海细数往日情怀?还是蜗居在小房子中,每天白粥配咸菜?每个人都会慢慢变老,但没有人希望今天的收入比昨天还要少;每个人都希望长寿,但是没有人愿意到老了还晚景凄凉。你是否计算过未来30年,作为家长的你需要为子女准备多少教育资金、结婚资金?你是否计算过退休之后如果要维持现有的生活水平,你需要多少资金?
假设你现在30岁,计划在55岁退休,终老年龄80岁。目前城市基本生活费和医疗保险支出的最基本消费是1500元/月,暂考虑4%的通货膨胀率,25年后,要维持目前的生活水平,需要4000元/月。25年的退休生活至少需要4000元/月×12月×25年=120万元,如果加上旅游、休闲支出按月消费最基本的1000元计算,还将增加80万元,总共200万元。200万,这只是一个人的费用,夫妻双方费用需求总和保守估计也将超过400万元。而且,如果您的身体还不错,活到85岁或者90岁都有可能。再加上老年人无法躲避的病痛,未来医疗开支几乎无法预估。这些都可能令我们需要的养老金需求变成五六百万元,甚至更高。接下来,让我告诉你,你需要在多长的时间里赚够这笔钱,按照上面的假设,假如你是25岁开始工作,那你的工作时间是30年,退休生活时间25年,也就是说,在有工作的30年内,你必须准备好未来25年的生活基金——400万元,这其中,还不包括你买房买车以及子女的教育费用!
25年,400万!我相信这组数据已经足够让你阵脚大乱。其实,你大可不必这么慌张,因为亚洲顶级理财师已经为你想到好对 策,助你成功跨越穷人与富人,落魄与殷实的分水岭!30岁的你,现在只需每个月投资1000元,30年后,也就是当你60岁时,就可以换来600万!600万,足够你和太太挽手乐享夕阳人生!
或许你会犯难:30岁,正值而立之年,你需要买房买车,筹备结婚等等,没有办法每个月攒下1000元,推迟10年,从40岁开始行不行?答案是,行,但是你将损失450万!30岁开始每月1000元,投资30年,收益是600万,你知道40岁 开始每月1000元,投资20年,收益是多少吗?1413721!只是推迟10年,你的收入相差至少450万!时间,从来不等人,如果你从看到这本书开始,跟随顶级理财师规划你的财富人生,我相信,不用30年,10年后,你就可以从容面对人生,笑傲退休!
……

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Jingdong book