We're all going to face mortgages, car loans, kids education and retirement.
Most people have little left after their daily expenses.
If big investments, risky and short of start-up capital,
Small investments, low risk and low yields, are not worth the time and effort.
What a difficult thing!
Looking at the more common ways of managing money,
Stock market bulls bear a high risk,
Bank interest doesn't win inflation,
The Internet is a good way to borrow money, but too much of the way is too much to be broken.
There is a new option for money management. Have you ever tried it?
Speaking of fund fixing,
Officially, it's a regular, a quota,
The way of automatic investment from bank card deduction.
For example, every month 20 is automatically from the payroll card,
Deduct 1,000 yuan investment fund, and long-term investment,
That's one of the ways in which lazy people manage their money.
The fund is determined to be "shopaholic", which can be forced to save.
Automatic investment, time-saving, lazy people.
Long-term investment, spread risk.
The accumulation, the compounding effect, the reserve future.
Take a chestnut:
Zhiming started the fund in January,
A fixed investment of 600 yuan per month,
The unit price is 30 yuan in January and 60 yuan in February.
March fell back to 30 yuan, and in April went down to 15 yuan.
In may, you'll get 30 yuan back and sell your share.
How much money did he make this time?
Let's start with the table investment.
Total investment amount is 2,400, total buy 90.
And then at 30 yuan in May,
Profits: 30 yuan * 90, total 2,700 yuan,
That's 300 yuan more than the total investment of 2,400 yuan.
The investment yield was 12.5 percent for four months.
The money is fine!
In terms of historical experience,
Five to 10 years could be a full economic cycle,
From a bull market to a bear market, from a slow bear to a bull market.
This is a bear market, and in 2007, it was a bull market.
It started to hit bottom in 2008, and then it's been slow.
Until the bull market peaks in 2015, you can see.
Therefore, the common Chinese market has entered a long bear market after a bull market.
And at this point, we started to invest in the fund,
Let's say we want to invest for 6 years, we're going to invest 100, 000,
That's 166.67 million dollars a year,
You only need to invest 1,389 yuan per month,
Money doesn't take up much, it doesn't affect living expenses.
During these six years,
Although it's fluctuating, it's going up and down,
But when the bull market comes, it can be sold at a high price.
Very applicable to saving money to buy a house,
Buy a car, reserve a education fund for your child and so on.
How do the specific time nodes of the fund set up?
In fact, in the previous case,
A shares halved from A peak of 5178 in 2015 to more than 2,600.
Although it's still possible to fall,
But the downside is very limited,
In the historical position of the a-shares,
This is a good time for fund making.