Embrace the future and meet a better you

Now hypothetically, what kind of life do you want to live in 30 years? And how will you realize it? Continue to move bricks? Gnawing on the elderly? Rely on your children? Rely on social security? Or financial income? As the saying goes, the only constant is change itself. Is it possible to ensure that the poetic and beautiful vision of the present will not change?

In the traditional educational environment, people are ashamed to talk about money. In the real world, there is no life without money. The average Chinese person's life trajectory is the same: 25 years old before graduating from the master's degree has been in the parents raised under the study and growth, after joining the workplace in addition to the necessary expenditures, will be involved in the purchase of a house and a car, the wedding gift, parents support, children's education (usually two children), pension reserves, until the age of 65 years of age, retirement. Of course, there is also the need to set aside for medical expenses that may arise at any time. For the sake of poetry and distant fields, a travel reserve is also essential. The average life expectancy of Chinese people is 75 years old, and the real income generation is only from 25 to 65 years old, and one of the couple may also leave the job halfway through due to child support.

Yueh-Lun Wang, who was born in a family of scholars, is a winner, and his family's ability to absorb money is beyond the imagination of ordinary people. If you can reach the realm of Wang Yuelun, I would like to say congratulations. However, I believe that most people are ordinary working class, do not strive to struggle can only eat and wait for death. Financial management is to manage life, financial management should be before it is too late. So if you want to embrace the future and meet a better you, you have to start planning your financial life from now on.

Maybe some people will say after reading the negative energy burst, there is really no way to solve it? Of course there is, while young to invest, believe in the miracle of compound interest, not far from a better self. The best investment is no better than investing in yourself , from now on, you can further study to learn the content of this profession or this job, you can also cultivate painting, photography, fitness and other hobbies, the use of today's multi-media channels, still rows and rows.

As far as possible, the establishment of financial accounts in different categories, in order to protect the pension fund, for example. First set the standard for retirement, and then estimate the current net worth (it should be noted that the savings should reach more than half of the income, liabilities control within 20% of the income), projected labor time, can be reached? When the assets are not enough, you need to consider whether to shrink the retirement budget or adjust the structure of property to reduce consumption. The use of compound interest to continue to invest to let the asset value is not a choice, but also the trend.

Buying good is not as good as buying good, must be based on personal investment character for asset allocation. Pensions are generally low-risk capital preservation, but taking into account the principal is too small, price increases and other factors, you can also configure some medium and high-risk assets to improve the comprehensive rate of return in the long-term investment portfolio. In principle, 100 - the current age = the proportion of investment in equity assets, the earlier the preparation, the more favorable. At the same time, we should also consider that in the situation of "the elderly, the younger generation" in the unfortunate death, whether to leave the family to continue to live the courage and capital? So, it is essential to have a medical insurance for the laborers in the family.

When you're young, you have to work hard to earn money, and when you're old, you have to work hard to save your life. The premise of embracing the future and meeting a better you is to have a healthy body. Similarly, financial risk, investment needs to be safe and cautious, to protect the principal does not appear large losses. I wish every baby who loves finance can meet a better self!