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做财富的主人

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Content Description

相信每一个人都想过上美好的生活。如何成就自己的财富人生其中主要的一点是需要掌握正确的理财之道。
本书详细阐述了什么是投资,以及投资的几种选择,比如买股票、买基金、买国债、买期货,投资外汇、房地产,等等,这不仅是积累财富,同时也是为了更有效地保证生活的高质量。
Catalogue

第1章理财意识不能没有,越年轻开始越好001
设定适合自己的财富目标002
“穷人更穷,富人更富”现象006
年轻时理财,财富才会光顾你010
脱离“月光族”,实现财富积累014
穷,是脑袋里缺乏赚钱思维018

第2章理财知识不能不知,知己知彼百战不殆023
学习理财,是最该尽早完成的事024
深谙生活中必备的金融常识028
一些你不得不了解的税务知识032
投资是一门艺术,请不要盲目投资037
投资有风险,下手要谨慎040

第3章用时间生钱是可怜人,用钱生钱才是成大事者045
既要低头工作,又要抬头理财046
理财,在于你有多少收入049
月薪两千,教你如何理财054
月薪三千,教你如何理财058
月薪五千,教你如何理财063

第4章理财投资有门道,走向真正成功的唯一机会067
投资需要的不是运气,而是眼光068
做投资,你会技术分析吗071
人生需要有计划性的投资076
投资,最重要的是心态079
如何成为一个优秀的投资者082

第5章投资红绿灯,所有不谈风险的收益率都是“迷魂药”085
投资别冲动,保住本金是第一086
财富之路,切忌空想主义089
成功投资者必备的投资理念和模式092
巧用投资工具,理财理出新高度095
认识市场,掌握自己的投资资源098

第6章储蓄理财,只有管好水库才能开源节流103
储蓄是最简单、最靠谱的理财方式104
理财是从有计划的合理储蓄开始108
另类储蓄,让你获取最大利益111
选择适合的储蓄时间与储蓄方式114
靠谱的储蓄,其实也有风险118

第7章股市投资,在逐利与恐惧之间做好选择121
你了解股票吗122
股票投资,选择比努力更重要126
股票买入几个重要时间点分析129
忌讳频繁交易,时机才是一切133

第8章基金投资,按合理的价格买最好的基金137
你了解基金吗138
新手该如何购买基金142
赎回基金,你需要了解这些步骤146
基金组合策略,助你科学投资149

第9章保险投资,安全系数较高的投资方式153
你了解保险吗154
医疗保险的常见种类158
了解必备的人寿保险常识162
了解必备的财产保险常识165

第10章房产投资,在力所能及的范围内投资169
什么样的房子适合做投资170
房产投资的优势分析173
看准时机,果断进入房市176
以房养房,投资全攻略180
参考文献184
Book Abstract

月薪五千,教你如何理财
月入5000元的收入水平对二十几岁的年轻人来说已经是很不错的了,但因为这一阶段的年轻人正处于事业的上升期,加上其他各种原因,开支也在增长。因此,对于这一收入水平的人来说,不适合选择某些高风险的投资理财方式,相对而言,中庸的理财风格,比较适合这一类人群。
叶小姐今年26岁,未婚,在一家外企担任行政助理的工作,月入5000元左右,年底有2万元的年终奖。
叶小姐是个喜欢外出活动的人,每个月她在购买化妆品、衣物以及交际应酬上的费用就有4000元左右,而且她还有张信用卡,她也偶尔会用信用卡购买奢侈品,目前已经透支了2万元,每月只还最低还款额,储蓄存款仅3000元,没有购买任何理财产品。
叶小姐计划与男友两年后结婚,希望到时候有5万元的资金可以筹备婚礼。然而,就目前她的财务状况来说是不大可能的,陷入财务危机的叶小姐想到了理财规划,所以找到了理财规划师,希望能解决自己的财务问题。
理财规划师给叶小姐提出了几点建议:“你是典型的‘月光族’,现在每个月的支出比收入还多,这样很难积累资金,所以首先你要做的是改变自己的消费习惯,另外,还要做适当的理财投资,因为摆在你面前的是5万元的结婚费用,将来还有医疗、养老和教育孩子的问题。”接下来,理财规划师针对叶小姐的财务问题给出了具体的建议:
(1)控制消费欲望,改变消费模式。你可以养成记账的习惯,对于不必要的开支,坚决杜绝,每月将支出控制在3000元以内,每月可结余2000元左右进行投资。
(2)在最短的时间内还清信用卡。现在你因为开支大,所以每个月只还最低还款额,而你忽略的是,没有还掉的部分是有利息的,而这比贷款利率都高。因此,你可以用现在每个月剩下的钱和你的年终奖在最短的时间内还清你的信用卡。并且,喜欢刷信用卡的习惯一定要改。
(3)当你的信用卡还清之后,还要给自己预留三个月的生活费用,即9000元作为紧急备用金,以备不时之需。可以预留3000元的现金或活期存款,其余6000元用来购买货币基金,在保持流动性的同时,尽量提高收益率。
(4)对于你两年后需要5万元的资金来结婚的要求,按照你目前的收入状况,如果能合理控制消费的话,两年的年终奖即有4万元,投资后积累到5万元的压力不大,对于收益率的要求也不高,同时由于这部分资金的需求弹性较小,因此建议李小姐购买保证收益型或者保本浮动收益型的理财产品,保证这部分资金的专款专用。
(5)按照我给你的建议,你每个月可以结余2000元左右,你可以拿出500元用于一年期定期存款,每月存一期,到了第二年,就会连本带息,加上当月的500元,再存一年期的定期存款。这样一年后,每个月都有一笔定期存款到期,不但可以供不时之需,自己也积累起一笔资金,用于婚后的生活或者其他支出。
(6)除去存款500元,每月余下的1500元,你可以做基金定投,不过为了分散风险,你可以选择三只不同的基金:指数型、偏股型和混合型基金,你可以做长期投资,用于以后的教育资金或养老费用。
(7)当你积累了一定的资金后,你还可以选择一定的保险产品,婚前可选择人身意外险,婚后可以以配偶为受益人互相购买人寿险,还可选择重大医疗险,加强自身的保障。
以上是理财规划师针对外企白领叶小姐的具体财务状况给出的理财建议,具有类似财务状况的二十几岁的年轻人都可以拿来借鉴,当然,针对收入5000元左右的年轻人,我们可以做出一般性的总结:
1.控制消费支出
在保证生活质量的前提下,缩减不必要的开支,将每月消费控制在3000元以内,从而提高财富积累速度。
减少在奢侈品以及吃喝玩乐上的开支,每月可以暂时拿出500元购买基金,强制性地养成理财习惯。
2.定期定投买基金
你可以选择一些“强制性”投资,强制自己积累资金,如定期定额买基金,如低风险的货币基金。
3.购买保险
一般的企事业单位所购买的社保和基本公费医疗的保障功能单薄,所保险的额度也有限,为此,你可以补充这一不足,比如拿出15%—30%的收入购买个人意外伤害保险或养老保险等,用于加强保障。
4.购房规划
二十几岁的人都要准备成家或者已经成家,这时购房就成为很多年轻人考虑的问题了,月入5000元可能有些资金不足,但你可以通过申请公积金及商业住房的按揭组合贷款的方式来解决。
5.投资规则
除了日常支出和按揭还贷外还有一些结余,所购置的房产可以用于出租,至少每个月有1000元左右的收入,而这些收入可以将其投资于每月定期定额的基金产品。
总之,在一个全民理财的时代,对于月入5000元的年轻人来说,还是应该做好财产分配和规划,学会用最小的投入获得最大的收益。
Introduction

有这样一句话“你不理财,财就不理你”,虽然看似简单的几个字,却透露出赢得财富人生最重要的诀窍,那就是理财。有人整日痴迷于挣钱,但是理财手段却一般,要么根本就没有理财的打算,要么就让财富搁置在银行发霉了,最终,辛辛苦苦几年下来,自己还是一无所有,看着那微薄的积蓄,觉得要想获得一笔财富是多么不容易。还有的人有理财的打算,但终因投资不当,当初的财富也打了水漂,懊恼不已。
实际上,要想不断地积累自己的财富人生,就要加强理财方面知识的学习,除此之外,也不要把钱看得太重了,即便是投资失败或者理财没有收到良好的效果,也不要灰心丧气,失去继续生活的勇气。有的人认为自己辛苦储存下来的钱,若是用来理财,必然会有所受益,假如理财失败,那肯定是不能接受的,甚至有的人抱着“只能成功不能失败”的心态,一旦哪里出了一点问题,他们就觉得失去了生活的大半部分乐趣,郁郁寡欢。
理财本身也就是一门学问,对于每一个才开始理财的人来说,自己都像是蹒跚学步的小孩子,摇摇晃晃,唯恐在哪里摔一跤,也希望通过正确的理财之道来积累财富,赢得属于自己的人生。当我们在积极理财的时候,不仅需要胆大心细,还需要一种坦然的心态,不要把钱的得失看得太重,以至于失去了生活的乐趣。学会舍弃功利心理,以一种平和的心态来积极理财,财就会理你,并且带领你走向人生的成功之路。

理财对于积累财富来说是相当的重要,积极理财的人才会赢得财富人生。也许,有的人认为理财就是把钱存入银行,实际上,如果你的理财方式还停留在“储蓄”,那么你已经out了,这样的理财方式早已经不流行了。当然,要想获得更好的理财方式,还应该以储蓄为主,有了储蓄的财富才会有投资的来源,也才会获得丰厚的利益。现在人们的理财方式层出不穷,除了储蓄适当的急用资金,还可以用来做各项投资,比如买股票、买基金、买国债,投资房地产,或者选择自己创业,任何一种理财方式都会成为赢得财富的方式之一。当然,如何根据自身的情况来选择合适的理财方式,这又是一大学问。

编著者
2019年12月

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Brand Jingdong book
Brand Origin China

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Jingdong book