The ultimate goal of investment and wealth management: people are resting, money is working!

Understand the essence of investment and wealth management: Investment can enhance a person's wealth, and the richer they become. On the contrary, without investing in financial management, under the influence of high inflation rates, wealth will become increasingly scarce over time, and the poor will become poorer.

What special skills do wealthy people possess that office workers who are frugal and hardworking every day lack? How could a wealthy person accumulate such immense wealth in their lifetime? The answer is nothing more than the ability to invest and manage finances.

Three Alchemy Techniques

How to integrate300Yuanbian100How about ten thousand yuan? This seems to be“Daydreaming”The idea can be fully realized through investment and financial management.

The billionaires we are familiar with are all shrewd investors, such as Warren Buffett, the financial alchemist Soros, and so on. The secret to successful wealth for investors is only one: use money to make money!

Buffett 6Starting savings at the age of, saving every month30Yuan. reach13At the age of, he had3000Yuan, bought a stock. Afterwards, he persisted in saving and investing for decades. Now he is the richest man in the United States, Bill.Gates still has money.

How can we make ourselves wealthy by investing? It's actually quite simple. As long as you stick to the following three principles, I believe you will also be one of the millionaires in a few years.

Compound interest scares people to death

Compound interest is the process of reinvesting the money earned, allowing the money to be recycled. If the wheel of compound interest can be turned, then money will automatically generate money and work for you.Einstein once said that compound interest is the eighth wonder of the world.When your economic situation permits, the time value of investment will bring value to your capital, and this value growth does not require any hard work from you.
Assuming you have 10000 yuan for investment now, the annual investment return is25%. If you are making simple profits, in three years, you can earn a total of7500Yuan. But if you reinvest the money you earn every year, you can earn a total of three years later9531Yuan. This extra profit2000Diversification is the money generated from your money over the past three years.
30In the new year, if it's compound interest, your initial ten thousand yuan will become800Over ten thousand yuan; If calculated using simple interest, only8More than ten thousand yuan.
It can be seen from this that you don't have to pursue high returns,As long as there is an appropriate rate of return and compounding is effective, considerable income can also be obtained.
The question is, how many people can achieve stable long-term returns? This requires adhering to the most important principles of investment and financial management——HourThe principle is to let time help you make money.
Invest early and enjoy the magic of compound interest
The result of compound interest may seem unreasonable, but in fact, it is a difference caused by early investment. Imagine two young people, one from22Annual investment starting from the age of1Ten thousand yuan, until40Year old, compounded annually15%The way of growth. What about the other one? When I was young, I was carefree and happy,32I only start investing at the age of, and in order to make up for the lost years, I have to save every year2Ten thousand yuan, according to15%Compound interest calculation to40Year old. So who do you think has more money in the end? yes22The year old one. Obviously,Starting investments early is the best way to rapidly increase money。
From the above example, it can be seen that when time and compound interest work together, the power is astonishing.
Therefore, investment and wealth management are actually very simple, which means to meet your income and accumulate investment capital as soon as possible; Investing early, even with limited returns, can still yield considerable returns over time.
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