Before reading this article, why do I want to ask everybody wants to learn conduct financial transactions?
Think, see main body again.
We know the triangle is the stablest structure, economy is same also, and the triangle of conduct financial transactions is -- pyramid of conduct financial transactions.
Before conduct financial transactions, our first job is to want to had laid groundwork, foundation is by income the difference with defray is formed, and income is most important part. As to the income that how increases oneself, I think the most important is to need to pass continuous study. Study this statement very not specific, but it is good sense however, the means of the study of everybody, content, target differ somewhat, did not say more.
In addition, recommend everybody to use charge to an account kind App, record the income of every month and defray case OK and conveniently, find out the place of the problem at the same time, it is income too little, still invest a loss too much or some respect defray is overmuch.
From conduct financial transactions pyramid can see, income is higher the risk is higher. Clever person is build pyramid from ground floor case, won't make pyramid impending, your money falls because of the risk at any time.
Ground floor of pyramid of conduct financial transactions included lash-up capital and insurance
Lash-up fund is average with 3-6 lunar salary is a standard, basically pay attention to the flexibility of capital, in order to have untimely needs. Exist with the form of fund of deposit of current of cash, bank, money commonly.
Insurance included social insurance and commercial insurance. The effect with safe and main society gives namely lose work ability, temporary lose working station or compensate. Why does ZF ask compulsively to buy 5 a place difficult of access one gold? For the sake of can maintaining the order with stable society, maintain basic life, unapt appear again and again old nobody is raised, fall ill do not have the phenomenon such as Qian Zhi. And commercial insurance is safe to the society complement, can have to the risk more comprehensive enclothe. Cent attachs most importance to danger of disease risk, deposit share out bonus, accident danger, medical treatment danger and person life danger. Danger of deposit share out bonus and person life danger more deflection at conduct financial transactions, and injury of danger criterion deflection treats serious illness risk, accident danger and medical treatment the safeguard of charge. If feel to buy the commercial risk such as serious illness risk,do not have necessary, need to whether ask to had prepared a large sum of money to treat so? During cure and the income during recuperating after art was interrupted, how does this paragraph of time assure basic living expenses?
The 2nd of pyramid of conduct financial transactions includes global investment and fixed deposit
Fixed deposit is the deposit that proper memory time books when money stocks a bank. Its purpose is to satisfy the need that people future capital plans, but run hard win inflation.
Global investment is very significant, can have the effect that disperses to a risk. Cite a case, suppose this year the beginning of the year only hold RMB, that arrives at present RMB photograph devalues to the dollar 4.5% . If the beginning of the year converts the RMB of the half the dollar, so devalueing range is narrow, it is about 2.25% . If reinvest parts of China of complete invest in or United States stock market (of China on card index the beginning of the year drops up to now about 19% , the beginning of the year of Dow Jones index rises up to now about 5% ) , stock market of complete investment United States and yield of stock market of complete investment China differ 28.7% . The yield of stock market of United States of all of course invest in is perfectly, but forecast well and truly really when?
Fund is cast surely is pretty good finance tool, ask time, norm stocks brushstroke money, to the canal not stop, keep buying buy bought person to have the effect very much. Fund is cast surely share earns when dropping (below same amount, bought share is more) , profit earns when rising. From long-term in light of, the stock market that stock fund place invests is to present up trend, can see each country stock market go situation.
Additional complement knowledge, gold, safe, fund is cast surely is asset of 3 big render, it is to resist the 3 big sharp weapon that risk, asset keeps a cost.
three-layer includes pyramid of conduct financial transactions single market investment, regional investment
Single market investment and regional investment understand very easily. Single market investment is the financial product that invests a market only (for example: Market of stock market, bond) , regional investment is the financial product that invests an area only (for example: China, southeast Asia) . Say P2P (the network is leasehold) for, if P2P of total money invest in each platform, a few can you have what capital recapture comes? (platform of P2P of 17 annual bottoms is gross 5970, the beginning of the year appears up to now the P2P platform of the problem achieves 1011)
Pyramid of conduct financial transactions includes house property and finance the 4th layer to derive article
What house property points to is investment sex house property, price of main support house rises and hire income earns profit. Devoted capital amount is large, the yield of hire is low (the 1.5-4% of hire return rate of Chinese main city, the 2.5-8% of hire return rate of foreign main city, cannot achieve the) keeping a cost of asset, basically rely on house price rise the goal that achieves asset to keep a cost.
Finance is derived article the traditional banking tool such as money, bond, stock derives those who point to, trade with lever and credence the financial tool that is a feature. For example: The financial tool such as futures, foreign currency. Futures trades first the earnest money with regular pay, hypothesis lever 1:10, if rise 10% , criterion yield is achieved 100% ; If drop 10% , loss bail. While income is high, the risk is high also.
Learn pyramid of conduct financial transactions, everybody can have to conduct financial transactions probably acknowledge, what also know the core of conduct financial transactions is a risk is dispersive. The hope can change everybody the consciousness of idea of conduct financial transactions, conduct financial transactions that develops authority.
Ask everybody to remember a word well finally: The risk cannot be forecasted, can pass sufficient configuration to be dispersed only.
