Traditional Culture Encyclopedia - Traditional culture - What does personal finance include?
What does personal finance include?
Personal financial management is a process of managing assets and liabilities through savings, insurance, securities, foreign exchange, collection, housing investment and other means. Based on the analysis of personal income, assets, liabilities and other data, so as to achieve asset appreciation within the acceptable range of personal risk.
Personal financial management means that customers make financial goals and plans, implement financial planning and achieve financial goals according to their own career planning, financial situation and risk attributes.
Personal finance business is a banking business based on principal-agent relationship, and it is a personalized and comprehensive service activity.
Definition:
Personal financial management is a process of managing assets and liabilities through savings, insurance, securities, foreign exchange, collection, housing investment and other means. On the basis of analyzing and sorting out personal income, assets, liabilities and other data, we will maximize the value-added of assets within the acceptable range of personal risks.
Financial management skills:
For new investors, financial management skills are as follows:
1. Make good use of the financial budget, and don't use the funds necessary for life as capital-the psychological characteristics of gamblers: people who are suffering from losses, excesses and excessive tension, don't use your living funds as trading capital. Excessive financial pressure will mislead your investment strategy, increase trading risk and lead to greater mistakes.
2. Make good use of the free simulation account and learn financial transactions such as wealth management-investor's patience: wait for the moment when the rate of return is positive; Beginners should study patiently and step by step. Don't rush to open a real trading account. Try the mock account first. There is an application for a free simulated account in FXSOL Global Gold Exchange. New investors can experience it.
3. Futures financial transactions cannot rely solely on luck and intuition-the psychological characteristics of gamblers. People who don't listen to advice, if you don't have a fixed trading method, then your profit is likely to be random, that is, by luck. This kind of profit cannot last long.
4. Make good use of stop-loss orders to reduce risks-the courage and determination of military strategists: when the opportunity comes, take the shot.
5. Do what you can-economist theory: understand fund management and give full play to the maximum benefit of funds.
6. Choose a mainstream platform and agent (if the platform is supervised by FSA or NFA, it means that their operation and capital flow are more standardized and serious, ensuring the safety of investors. The FSA in the UK has the strictest supervision, and FXCM and FXSOL are generally well-known).
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