济南代理记账公司教你一分钟理解什么东西最值得出资?

济南代理记账公司教你一分钟理解什么东西最值得出资?

Jinan bookkeeping agency company will teach you one minute to understand what most worthy of investment?

一、财富的4321规律

A 4321 law, wealth

即产业的合理装备的比例是，家庭总收入的五分之二用于房贷等长时刻固定财物的出资;30%用于家庭平时日子开支;五分之一用于灵活的银行存款以备应急之需;剩余的少部分用于稳妥确保或许危险系数与收益系数都比较高的股票、期货出资。济南代理记账公司

The proportion of the industry of reasonable equipment is that two 5 of the total household income used for mortgage isometric point fixed property of capital contribution; 30% for family day spending at ordinary times; One 5 for flexible bank deposit will be needed in case of emergency; The remaining few for safe ensure that perhaps the benefits and risk coefficient is relatively high stock, futures investment. Jinan bookkeeping agency company

二、财富的72规律

Second, the 72 law of wealth

出资理财所取得的收益，通常不取出，而持续投入理财本金，完成利滚利的高收益财，本金增值一倍所需求的时刻等于72除以年收益率。假如在银行存款1万元，年利率是2%，那末通过多少年才干增值为2万元?只要用72除以2得36，便可大约知道银行存款需36年才干翻番。

Investment financing of earnings, usually do not take out, while continuing to pour money into financial principal, complete arbitrage higher-yielding wealth, capital gains double demand by the moment is equal to 72 divided by yield. If in the bank deposit 10000 yuan, annual interest rate is 2%, then by how many talent value for RMB 20000 per year? With 72 divided by 2 is 36, bank deposits, can know about 36 years double abilities.

三、出资的关键：对身体健康的出资

Three, paid the key: funding for health

即便你所出资的项目有100%的收益每一年，但却健康状况很差，那出资赚再多的财富又有什么用呢。对身体健康的出资坚持有健康的身体是人生的根基，而健康是生命的基本确保和寻求人生抱负的条件条件，是最大的财富。有健康，才有生命的确保，才干完成财富的含义。正所谓没有健康就没有全部。也正如中国已故的著名医学专家冯理达说的那样“健康是1，工作、财富、婚姻、名利等等都是后边的0，由1和0能够构成10、100等N种不一样巨细的值，假如没有健康这个1，别的条件再多也只是0。”

Even if you paid by the project has 100% of its revenue each year, but it is in poor health, it is contributive to earn more wealth and what use? Funding for health insist to have a healthy body is the foundation of life, and health is the basic to ensure life and seeking conditions, the conditions of ambition in life is the biggest wealth. To have healthy, to have life to ensure, ability to complete the meaning of wealth. Is the so-called no health, no all of them. As the late famous Chinese medicine experts Feng Lida said "health is 1, the work, wealth, marriage, fame and wealth, and so on are all behind 0, made up of 1 and 0 to 10, 100 different N kind of intrusive value, if this 1 without health, other conditions is only 0."

四、出资要有高远的战略眼光

Four, is contributive to have lofty strategic vision

短线出资目光不能短视，长线出资也要有辩证的开展眼光，今日的朝阳工业或许明天会变为落日工业。挑选好的出资，小钱会生大钱。反之，则可能会像“肉包子打狗，有去无回”。金钱在于运动：金钱的实质在于活动，钱是不能休眠的。当今经济社会开展一日千里，资金只能在出资流转中才干不断完成保值和增值。出资失误是丢失，资金阻滞不动也是丢失。

Eye not myopic investment in short term, long term investment also should have the dialectical development view, today's sunrise industry maybe tomorrow will be into the sunset. Choose good pay, money will have a lot of money. On the other hand, may be like "meat dumplings dozen dog, have go no return". Money is the movement: money is the essence of the activity, money is can't sleep. In the modern business world in a day, the money can only be paid circulation of talent in the complete value maintained and added constantly. Venture capital for the error is lost block is missing.

五、出资组合

Five, the investment portfolio

思考到家庭财物的状况，危险程度，时刻出资期限，变现才能，出资灵活性，都要进行归纳思考，确保在家庭有紧迫需求时能立刻变换出需求的资金。危险忍耐度原则即"日子危险忍耐度"，确保本金是出资理财的重中之重，全部出资都需求恪守此规矩。

Thinking to the status of the family property, dangerous degree, time investment period, cash ability, investment flexibility, inductive thinking to ensure that there is urgent demand in the family can immediately transform the money demand. Dangerous patience principle namely "dangerous days patience", to ensure that the principal is the key of the investment finance, capital needs to stick to this rule.

六、理财的几个小技艺

Six, a few small art of finance

首要，理财的条件有必要是要有人必定的财可理，并且应当有定时的安稳收入源，否则，无基本之财怎么理。

First, finance condition is necessary is to someone must have money can, and should have a regular source of steady income, otherwise, no basic money how to manage.

接着，树立一个家庭财物状况一览表，你需求随时清楚地把握了解家庭的产业数额和财物性质，一起也要了解相应的产业法规。

Then set a schedule to family financial situation and your needs clearly grasp the understanding of family inheritance amount at any time and the characteristics of the property, also want to know the corresponding industry regulations.

其次，理财需求多样化理财，理财所用的本钱要多样化出资，切不行将很多鸡蛋放在一个篮子里，涣散危险，扩宽理财途径，添加收益。然后，出资理财的周期长短相结合，合理安排，做到活动性好，避免关键期间有钱而不能运用。

Second, finance finance demand diversity, used by financial capital to diversified investment, not cut will be a lot of eggs in one basket, distractions, broaden financing way, add profits. Then, combining the cycle length of the investment finance, reasonable arrangement, do good activity, avoid rich and cannot use during key.

终究，很主要的是，理财不过是为是财富的增值或许保值，有钱的终究意图是让日子过得愈加幸福美满，衣食无忧，财富在恰当期间应当拟定恰当的计划用于花费。假如只为理财而理财，那就不没有了实际的含义。

After all, it is mainly that financial management is just as wealth appreciation may be hedging, rich, after all, intention is to make life more happy, comfortable, wealth during the appropriate should develop appropriate plan to spend. If only for financial management and financial management, that is not no practical meaning.

为何得出结论出资自个最主要?

Why the conclusion capital contribution from the main?

关于出资自个要长远一点，从一生的视点来看，究竟哪些工作是主要的，值得咱们去出资的?

About themselves to the long term, from the perspective of life, what work is the main, is worth us to pay?

假如将日子的各种工作列入四项，我觉得那些值得我出资的必定是主要而不紧急的工作，它们都不是一朝一夕的功夫能够练就的，而是在三五年，十年二十年以后，方能感恩于当初所花费的精力和时刻。最主要的自我出资包含3个方面：

If the days of work in four, I think that I must be a main but not urgent work, they are not going to kung fu to develop, but in three to five years, ten years after twenty years, can be grateful to the amount of energy and time. The main self funded include three aspects:

1.中心竞争力

1. The center competitiveness

在这个世界上，你的安生立命之本是什么?能够是你的工作，能够是你的某项兴趣爱好，可是在这个方面，你是被不行代替的。特别是关于绝大多数上班族来说，你的收入，往往与你的不行代替性是成正比的。之前看到一个有趣的说法，很多人上班，只是是为了那每个月的收入，这其实是买椟还珠，你去上班，最根本的应当是通过实习以及跟别人学习，所取得的本身实力的进步，这才是你用天天8小时换来的最有价值的东西。济南代理记账公司

In this world, what is the life for your father? Can is your work, is you a hobby, but in this respect, you are no substitute. Particularly with regard to the vast majority of workers, your income, and often you can't replace sex is proportional to the. Before you see an interesting, a lot of people go to work, just for that income per month, this is actually choose the wrong thing, you go to work, the most fundamental should be through practice and learning with others, itself of the progress of power, this is the eight hours a day do you use for the most valuable things. Jinan bookkeeping agency company

2.坚持健康

2. Stick to health

一个人的健康是没有代替计划的，工作能够换，钱能够再挣，可是生命不能够重头来过。在年青的时分，咱们都觉得疾病与逝世都离得很远。可是，事实上，健康的身体必定是从年青时分开端打的基础。所以我每周都会做最少3次有氧运动，每次半个小时以上。这一起使得我精力充沛，非常好地享受日子。坚持健康一起也包含你的日子习惯，远离反式脂肪，街边小摊。管住嘴，迈开腿。

A person's health is not instead of the plan, work to change, the money can be earned again, but life will not be able to start. In young, we all feel illness and death from very far. But, in fact, the healthy body will be from young beginning in fundamentals. So I do aerobic exercise at least 3 times every week, more than half an hour at a time. It makes me energetic together, very good to enjoy life. Sticking to a healthy habit also contains your day together, away from trans fats, street stalls. Tube shut up, took his leg.

3.理财

3. The financial

我一直跟兄弟强调，理财是一项技术，是咱们走出校园，面临社会日子要学会的一项基本的技术。理财和工作，是积累财富的2条腿，相得益彰。

I have been with brother stressed that finance is a technology, is out of our campus, face a basic social life to learn technology. Financial management and work, the accumulation of wealth is 2 legs, bring out the best in each other.

济南代理记账公司:http://www.jnqqjz.com/