Personal financial management often see ten misunderstandings

zhaozj2021-02-16  96

After clear understanding of the concept of wealth management and its development history, you have to be careful about the following misunderstandings. Have you had such an idea?

Misunderstanding 1: Finance is to make money, let the wealth value added

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Value is one of the financial objectives, but "earning more money" may also have the possibility of "losing more money". In a broad sense, financial management is a good use of money, and the success of financial management means that you have achieved the greatest benefits with limited resources, and the ultimate goal of financial management is to make your financial status is best, thus improving your quality.

Misunderstanding 2: Finance is to invest

Some people think that financial management is to take money to invest, buy stocks, buy funds, etc. In fact, this is only part of our financial management. As we mentioned in the definition of financial planning, the content of the financial planning, in addition to the investment plan, there are tax plans, retirement plans, heritage plans, etc. Moreover, now wealth management is in order to get a full range of services, and there are many value-added wealth management services.

Misunderstanding 3: Financial Planning, etc.

Many working class or low- and low-income people always hold the concept of "there is money to qualify for investment and financial management". They think that the monthly fixed salary should be almost the daily life expenses, where is the company? "Financial investment is a patent of rich people, and has nothing to do with your own life!" Is still the idea of ​​the general public. In fact, the more people need to make money. Because the rich people have only a few in the middle of the people, the middle school workers, the middle and lower class still account for great majority. It can be seen that investment and financial management is a matter of life, the poor people who have no money or the new society. The poor should not escape. Even if the chips are negligible, there may be "Jaha Cheng Tower", which is more likely to be "turned over" opportunities!

Misunderstanding 4: Financial Management is universal

Is it possible to implement all your dreams? Is the financial expert say "Golden Exterior"? of course not. Financial management is not universal, and financial experts cannot predict anything. Financial Planning is based on the analysis of your financial status, to achieve your reasonable financial goals. It has objective, thus feasibility! Imagine, how can the large size feet wear small chiose shoes?

Misunderstanding 5: Give money to our financial planner, I can do anyway

Many people think that financial management is to hand over money to the financial planner, and the whole right is taken by the planner, and customers do not have to deport. In fact, wealth management is different from the valet wealth management. It is a planner and customer interaction process. The two sides need to communicate and communicate. The client has the final decision-making right in planning, and the planner must obtain the customer's authorization to implement financial planning. Therefore, wealth management is a positive participation of customers.

Misunderstanding Six: High risk, high income

The risk and remuneration in investment is proportional, but according to the report made by the US fund research institution, the tracking survey of two different types of funds of "active growth" and "growth" is considered, Higher growth "Positive Growth Fund", its 18-year accumulated compensation rate, below "Growth Yield Fund". Such a result is denying the normal formula of investment. This institution explains that this is mainly because active growth funds are arrogant during the stock market, but when the stock price falls, the growth of the replenishment fund may later live.

Misunderstanding Seven: Finance to spend more time and energy

I believe that you say "I don't have time and energy", I don't want to show "I am not interested in financial management". Since you have so much time to do your job, why can't you spend a few hours a month to see your income and expenditure? Once you contact financial management, you will find that this is actually a very necessary thing. The resulting benefits will never be less than your challenging my job, and you will find time and energy will naturally. .

Misunderstanding 8: Finance can "get rich overnight", many people want to hand over money to the financial planner, and immediately get gains. Customers unknown, the true financial management is absolutely unable to get rich overnight, the process of financial planning is usually tightly linked to the life stage, paying attention to long-term benefits, the average annual yield may not meet the pursuit of high pay rates. However, with long-term financial planning, stability is often more compensation, it is easier to reach financial goals.

Misunderstanding Nine: Don't need too early

Some people plans to plan financial planning as life goals, and I feel that it should be married or started after a child. In fact, it is necessary to round a dream of life. In addition to doing a plan, we must know how to make financial planning and management in response to life different stages of each life. Therefore, since wealth management is a lifetime, why not recognize the responsibility and demand of each stage of life, order the financial plan in line with your career? Financial experts pointed out that the financial planning should be taken early, so as not to lazy, it is young when you are young, so that you will have no fall.

Misunderstanding Ten: Take money to wealth management, I will never return

Many people feel that they will go to invest in stocks, they may lose everything, I would rather save the money. In fact, this is a conservative method. Now there are a lot of investment varieties in society. The financial experts will suggest that you don't put all the eggs in the same basket, and the scattered investment can reduce risk, purchase funds, enterprises or corporate bonds. It may be your good choice. In addition, wealth management experts will recommend some insurance to ensure your income.

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