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Jingdong book

一生的理财计划（白金版）

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Jingdong book

一生的理财计划（白金版）

Name: 一生的理财计划（白金版）
Brand: Jingdong book
SKU: 3111000441
Price: 26.86 USD
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没有一夜致富的点金术，给你跟随一生的理财法
为刚富裕起来的中国家庭特别定制的理财计划

Content Description

理财不仅仅需要相应的常识，更需要对相关的技巧烂熟于心，这样才能避开生活中的理财陷阱，实现人生规划目标。
本书阐述了理财理念，讲解了储蓄、基金和股票等现代生活中常见的理财方式，并根据不同个人的情况进行相应的分析，从而帮助读者制订出适合自己的理财方案。
本书结构清晰，分析详尽，内容全面，书中的建议贴近生活，适合投资理财的初学者、爱好者及专业人士学习参考。

Catalogue

第1章和幸福紧握手，从认识理财开始 1
1.1让理财变成一种习惯 2
1.2如何规划理财 6
1.2.1一生的理财规划五步走 7
1.2.23个基础与4套方案让钱翻一番 10
1.3树立理财意识，增强抵御风险的能力 12
1.4理财就是规划人生 13
1.4.1规划不同人生阶段的理财生涯 14
1.4.2不同人生阶段理财案例 18
1.5理财要趁早 23
1.5.1晚了7年，需要追一辈子 24
1.5.2从100元到100万元 25
1.6合理规划，聚集财富 26
1.6.1合理规划，55岁理财换来600万元 26
1.6.2月光族的隐患 28
1.7记账，让金钱数字化与图表化 28
1.7.1记账的好方法——现金流量表 28
1.7.2记账小技巧 30
1.7.3从记账到买房，26岁“月光族”跻身“有产族” 31
1.8财富基础不同，方案千差万别 32
1.8.1月收入4 000元的理财方案 33
1.8.2月收入6 000元的理财方案 34
1.8.3月收入10 000元的理财方案 35
1.8.4理财技巧四法则 36
第2章受益一生的理财策略 37
2.1制订理财计划 38
2.2享乐无忧人生的5个法则 40
2.2.1把消费控制在收入水平线以下 40
2.2.2广开财源 41
2.2.3节俭点，挺好的 42
2.2.4管理好钱的去处 44
2.2.5拥有真正的财务自由 46
2.3量入为出——理财的不二法门 48
2.3.1量入为出 48
2.3.2如何恪守量入为出的原则 50
2.4真正对子女负责的教育投资 54
2.4.1教育开销在家庭开支中的比重 54
2.4.2教育储蓄、教育基金和教育基金保险 55
2.5工薪族最佳理财方法揭秘 59
2.6深挖自己的致富潜能——副业与创业 65
2.6.1副业 66
2.6.2创业 69
第3章家庭理财，幸福一生的秘诀 73
3.1适合一般中国家庭的投资方式 74
3.2家庭资产配置技巧 79
3.2.1家庭资产配置步骤 79
3.2.2资产配置误区 80
3.3不同周期下的家庭理财思路 81
3.3.1家庭形成期（新婚到婴儿诞生阶段） 81
3.3.2家庭成长期 82
3.3.3家庭成熟期 83
3.3.4家庭衰老期 84
3.4住房需要科学规划 85
3.4.1租房，还是购房 87
3.4.2购买最适合的房子 90
3.5制订家庭财务预算计划 94
3.5.1做好家庭财务收支预算的好处 94
3.5.2编制家庭预算的步骤 95
3.5.3制定家庭财务支出预算的误区 97
3.6财务比率分析 98
3.6.1常用的财务指标 98
3.6.2财务比率分析在家庭中的作用 100
第4章恰当储蓄，稳健增值以备不时之需 102
4.1储蓄，你了解的还不够多 103
4.1.1储蓄的分类 103
4.1.2利息收入 105
4.1.3储蓄存款的特点 106
4.2储蓄的原则 107
4.3储蓄技巧 108
4.3.1金字塔式储蓄法 108
4.3.2月月定存法（也称为12张存单法） 108
4.3.3分项储蓄法（也称为递进式储蓄法） 109
4.3.4交替储蓄法 109
4.3.5利滚利存储法 110
4.4做储蓄投资的理财专家 110
第5章股票投资，抓好买卖点 112
5.1及时获取炒股所需的决策信息 113
5.2股票投资的基本策略 116
5.3股票投资基本原则 118
5.4摆脱股票投资的误区 119
5.5警惕股票投资中的风险 121
5.6如何规避股票理财的风险 122
5.6.1分散系统风险 122
5.6.2回避市场风险 123
5.6.3防范经营风险 124
5.6.4避开购买力和利率风险 124
5.7能跟随专家买股票吗 124
5.8学会止损 126
5.9巴菲特的投资经 128
5.9.1股神选股有道 128
5.9.2股神在中国的投资经 129
第6章基金投资，让专业的人为你理财 131
6.1基金的分类 132
6.1.1基金分类 132
6.1.2基金的优劣势 134
6.2基金理财的常见技巧 135
6.2.1基金定投 135
6.2.2选择适合自己的基金技巧 138
6.3建立适合自己的基金组合 139
6.3.1基金组合的原则 139
6.3.2几种典型的基金组合 140
6.3.3案例说明 141
6.4介绍几种新型的基金 143
6.4.1被动投资的ETF基金 143
6.4.2LOF——可以上市交易的开放式基金 145
6.4.3涨跌非常惊人的杠杆型基金 145
6.4.4黄金ETF 147
6.4.5期货投资基金 148
6.5走出“投基”的各种误区 149
6.5.1基金购买操作要避免的误区 149
6.5.2家庭购买基金所要避免的误区 150
6.5.3基金就是增值的 152
6.6网络金融产品的实质 153
6.6.1货币市场基金 154
6.6.2网络金融产品高收益 155
6.6.3网络金融产品的安全性 157
第7章期货、外汇，选对很重要 159
7.1期货的基本面 160
7.1.1基本面分析之宏观经济分析 160
7.1.2基本面分析之供求分析 161
7.1.3基本面分析之期货品种分析 164
7.2期货的技术分析 165
7.2.1技术分析的种类 165
7.2.2技术分析的优缺点 166
7.2.3技术分析的盲区与误区 166
7.3图形类分析的基础——K线 167
7.3.1K线的基本概念 167
7.3.2反转形态的K线组合 168
7.3.3期市中的“顺势而为” 174
7.3.4直观的期货价格的数学模型——指标类技术分析 175
7.3.5投资不是赌博 176
7.4期货的独有特点 176
7.4.1保证金制度 176
7.4.2每日无负债结算制度 177
7.4.3强行平仓制度 177
7.4.4交割制度 178
7.5期货分类与交易要点 178
7.6做外汇的理财专家 181
7.6.1外汇投资的种类 181
7.6.2外汇投资前的准备 184
7.6.3外汇投资，赚的就是币种的差价 185
7.6.4外汇投资的优势 186
7.6.5优化投资结构，莫把鸡蛋放进一个篮子 190
第8章教育投资——给子女美好明天 192
8.1子女教育规划的费用估算 193
8.1.1子女教育进阶的途径 193
8.1.2子女教育的费用估算 193
8.2子女教育规划的特点及流程 196
8.2.1子女教育规划的特点 196
8.2.2子女教育规划的流程 196
8.3教育规划中常见的几种投资工具 197
8.4教育储蓄与教育保险的操作及注意点 198
8.4.1教育储蓄 198
8.4.2教育保险 199
8.5大师们教子女理财 200
8.5.1罗杰斯如何教女儿理财 200
8.5.2洛克菲勒家族——14条洛氏零用钱备忘录 201
8.5.3山姆·沃尔顿：教孩子自己挣零花钱 202
8.5.4李嘉诚：苦难是最好的学校 202
第9章退休了，做个快乐无忧的“银发族” 204
9.1退休规划要趁早 205
9.1.1养儿养女防老靠不上 205
9.1.2通货膨胀风险 206
9.1.3资金的时间价值风险 206
9.1.4健康风险 207
9.2退休规划 207
9.2.1退休养老规划的步骤 207
9.2.2退休养老要花多少钱 208
9.2.3退休养老规划的一般原则 209
9.2.4退休养老规划的常见误区 209
9.3当前的社会保障体系 210
9.3.1社保只保障基本需求 210
9.3.2补充养老计划还不成熟 211
9.4工薪族养老理财方案 211
9.4.1家庭现状分析 212
9.4.2家庭理财相关数据假设 214
9.4.3家庭理财目标评估 214
9.4.4普通家庭理财建议 215
9.5人退休，钱工作——老年退休理财 216

Introduction

“靠山山会倒，靠人人会跑”，也许你20岁没有找到日进斗金的工作，30岁也没能买得起价格直线上升的房子……现在常常焦虑：“30岁后，我拿什么养活自己？”别着急，想实现自己一生的幸福愿望，现在规划还不晚。
“幸福很简单，只需降低自己的要求就可以。”然而处于新时代的你，不但不想降低要求，还想提高，怎么办？
开始理财吧，经济基础决定上层建筑！在当今时代，如果你还在将所有的钱放在储蓄中，那么过几年就会发现“钱不值钱”了。炒股，没把
握；基金，还不如储蓄。
本书通过对理财计划、理财策略和各种投资的分析，教你如何有效利用手头有限的资源，合理规划你的投资，从而在留足充裕的生活费用之
余，大化增加你的收益，保障一生的幸福。
本书结构
本书共9章，具体章节安排如下。
第1～3章：主要分析了如何做好理财计划，以及选择适合自己的理财方式，并阐述相应的投资策略，对自己和家庭进行规划分析，做到“知己”才能更好地进行相应的投资。
第4～7章：分析了在前面认识自己/家庭理财计划的基础上，如何合理地将时间、资金分配在储蓄、股票投资、基金投资、外汇和期货等方面，大限度地利用它们获取更高的收益。
第8～9章：除了投资外，一个家庭还需要对子女的教育、自己的养老进行相应的规划，来制订教育子女、赡养老人和自己养老的理财方案。
本书特色
在图书讲解的过程中，我们主要着眼于以下几点。
实用：在类似的图书中，重点主要在于概念的讲解和理论的说明；
本书则主要通过案例来说明各种理财方案的优劣，让大家能将之与自己的实际情况进行对照，从而迅速应用到自己的生活中。
全面：从实际应用出发，先教会读者如何应用规划，然后通过相应的案例来阐述储蓄、炒股和基金，以及教育和退休规划，让大家对常见的理财方式熟稔于心，然后有针对性地、有策略地规划自己的理财方式。
读者范围
如果你属于下面所列的一族，那么，这本书适合你。
理财爱好者。
新成立家庭的小夫妻。
想投资但无法找到门路的用户。
即将退休，有余力和财力的老年朋友。
需要家庭理财实用工具书的人群。

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Jingdong book

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