What should be the accumulation of wealth

Bearing the new year, new dreams, new dreams to open a new hope.

Then in the new year, how to manage money can guarantee the assets snowball continued growth? Here's a personal investment experience to talk about the lessons learned:

1, the savings for investment reservoir.

Time deposits and fixed investment are a must, gathered together, add up after a month of wages immediately accumulated more than 20%, part of the fixed deposit, part of the fixed investment funds, persistence must have harvested. Halfway accumulation of wealth can not be achieved. I was in high school **** from the beginning to save, then 50 yuan a year to get a scholarship, I will keep all regular. Hold university degrees, work, and for many years maintained a habit of saving money, benefit.

2, savings amounted to less than 10000 do not use a last resort.

Only a certain amount of financial assets over time to see the benefits of the operation and effect of frequent changes midway plan, often give up halfway. My savings plan is earmarked, such as education fund accounts, pension accounts, petty cash accounts, the dream accounts.

3, to formulate a reasonable financial goals, timely implementation.

The so-called financial goals, is that when these assets can be accumulated to achieve the financial targets the Government should be realized, implementation, enhance the quality of life for themselves and their families. Such as houses, cars, travel plans, purchase their favorite items and so on. Money is to improve our quality of life, do not blindly accumulate the timely implementation of financial goals, asset size will be the same as the elevator up and down a few back and forth, futile. My home in 2004 to achieve the purchase of a second suite of programs in 2007 achieved their travel plans to Europe, now are working in the vehicle replacement plan.

4. The importance of vision and perseverance.

Vision and perseverance, to an investor is concerned, it is more valuable than gold and jewels assets. This is my lack of, from the market since 2000, often frequent operation, reaped few benefits. Now, I summed up the experiences and lessons have already started a little progress.

5. Surgery industry specializing in, always does its own trading patterns can grasp.

Do not consider themselves omnipotent. In 2007 due to the resignation of rest at home for some time hanging around the home are interested in what I am, A shares, B shares, open base, closed base, warrants, foreign exchange, paper and gold everything want to try, the result can be desired but know. My warrants trading operations are sometimes dozens of times a day, starting with a profit, finally ended with a loss. B shares quilt so far. Fortunately, in April 2008 to go to work, clearance by the end of March to withdraw from the A shares, thus maintaining the fruits of victory in 2007. Through reflection, a person's energy is limited, the so-called surgery industry specializing in the investment field to do their own familiar only chance of winning big. Now I can concentrate on sealing the base and patience to wait for the opportunity to A shares is no longer toss warrants, foreign exchange that they are not very understanding of things.
6., With asset allocation diversification.

According to their risk tolerance rational allocation of funds, do not put all their eggs in one basket. The global economy in 2009 will face tough challenges, Europe and the United States economy into recession, China and other emerging economies are also facing a significant slowdown in corporate profit growth, employment situation is grim and other challenges that 2009 A-share market index unilateral rise is unlikely, but a great national policy support to the market there are some opportunities there. Through analysis, I will now take a prudent defensive investment strategy, cash is king, in the index of the relative low part of the funds used to configure a number of high-quality blue chips, configure a number of base closures, while the base with the goods to maintain liquidity.

7, smart financial management, must be trained to financial well-being of the effort, so that their accumulated wealth, it has accumulated well-being, maintain a good attitude, contentment. These years of financial management of the road of success and failures, but full of joy and fun, I think this is because my expectations are not high, the reasons for relatively good state of mind.

8. Should be good to share. Share with you the more, get the more friends the more. Wisdom, knowledge, personal connections are getting more and more to share. In "My family financial management" of this virtual community, we share about money, bit by bit, get a lot of knowledge and fun. "My family financial management" It's like a spiritual garden, each one of us here will find that long-hoped-resonance. I registered here more than a week before, where the understanding of the spirit, wind, calm, blue sky, air, wood plum waiting for a friend, a lot to learn from them, they also received a gift, very happy.

Looking forward to all of us in 2009, there will be unexpected gains, in the accumulation of wealth but also accumulate more happiness.

To work hard and accumulate wealth for old age chic

How the quality of the elderly to live is to see young when and how to operate. 40-year-old age retirement in advance to do the planning is a priority.

Hard work is the premise

Hard work is the primary prerequisite for the accumulation of wealth. Urban workers the most basic pension is accumulated in long-term work, and pay the length of time and of the number determined to be the basis for post-retirement pension. Many freelancers receive pensions in order to protect the future, but also the monthly payment on their own to the local IESS it.