Financial management is not equal to investment: many people buy stocks and funds with money, saying? How do I manage my money? Financial management is Qian Shengqian, etc. In fact, everyone confuses financial management with investment. The following are 51 famous sayings about investment and financial management in Liu Yanbin, which I carefully recommend for you. Welcome to read the collection, and I hope it can help you.

a selection of 51 famous sayings and maxims of Liu Yanbin's investment and financial management

1. A person can't live without three things, health, law and finance.

There is a lack of financial and business education in our school education. Now many children are used to talking to their parents when they see something satisfactory? I want to buy it? But I don't know where the money comes from and how to measure the price and value. We should advocate financial and business education from primary school so that children can know how to make money and spend money.

2. Mature financial planners are all from the dead.

They have experienced twists and turns, accumulated experience and lessons, and will really know how to manage money.

3. Misunderstanding of financial management 1: Fantasy of getting rich overnight

It is a big misunderstanding of financial management in society that financial management means getting rich. Never think of pie falling from the sky, there is no pie in the sky, only discus. Financial management is not to make a fortune, but to plan ahead and make your financial situation more stable. Financial management and making a fortune are not the same thing, and the goal of financial management is to keep financial stability.

foreign banks have a clear statement or slogan about financial management: not to make you richer, but to make you rich forever. Financial management is to earn money, manage money and spend money instead of making a fortune

4. Misunderstanding of financial management 2: Follow the crowd

Another misunderstanding is to follow the crowd and rush headlong into it. When people speculate in stocks, I also buy funds, regardless of my actual situation. For example, someone in the office bought a fund and earned 2%. When I got home, I took out the money to buy a fund. But when you buy a fund, you may not make any money. Being controlled by herd mentality in the process of financial management will lead to blind investment. Therefore, financial management should be independent, and you should be the master of finance yourself.

5. Misunderstanding 3 of financial management: risk control, superstition? High risk and high return?

All investments have risks, but the risks are different. What do people usually say? High risk and high return? This statement is not scientific, and even has some misleading effects on people.

investors must remember: there is no such thing as a free lunch, and it doesn't exist? Risk-free and high return? Things. When a professional investor looks at a project, the first concern is the risk, and the second is the income. If the risk cannot be controlled reasonably, the income cannot be obtained. When amateur investors look at a project, they first pay attention to the income, but pay little attention to the risk, which often leads to huge losses. To be a mature investor, you must be nervous all the time? Risk? This string, resist? High

returns? The temptation to avoid taking unnecessary risks and making yourself suffer heavy losses. When managing money, you should first think of risks, and you should manage and avoid risks reasonably before you can make a profit.

6. Misunderstanding 4 of financial management: impulsiveness

You should not be impulsive in financial management, but control your own mood and manage your emotions well. The process of investing is actually a process of managing your emotions. Losing money is often because of two words? Impulse.

7. Misunderstanding 5 of financial management: There is no reasonable expectation

Financial management should have reasonable expectation. For example, if you bought a fund last year and earned twice as much, you must never think that you can earn twice as much this year. Some customers communicate with financial planners, and their annual income is not less than 3%. Rationally speaking, it is a good performance if you can maintain an annual income of 8%-1% for a long time. Last year, the national average income was only 2%.

8. Misunderstanding of financial management 6: Making money is more important than saving money

It is a person's expenditure rather than his income that determines a person's wealth.

financial management should start with consumption and start with saving money. We should live within our means and manage cash flow reasonably, and we should not be too tight, otherwise there will be a financial crisis.

Income is like a river, and wealth is like a reservoir. The money spent is the water that flows out, and only the rest is your wealth. If you are? Moonlight clan? , that there is no money to manage.

9. Misunderstanding of financial management 7: financial management = investment

Financial management does not mean investment: many people buy stocks and funds with money, saying? How do I manage my money? Financial management is Qian Shengqian, etc. In fact, everyone confuses financial management with investment. Investment is only one aspect of financial management. Investment aims at maximizing benefits, while financial management focuses on the optimal allocation of assets, and it is necessary to comprehensively consider investors' assets and liabilities and risk preference.

financial management and investment are different. First of all, investment is to preserve and increase the value of money in a certain channel or certain products in order to obtain profits, while financial management is to arrange income and expenditure more reasonably to achieve financial security. Second, the factors that need to be considered are also different. The financial plan should consider the factors of the market environment, but also the personal and family factors, while the investment mainly considers the rate of return. Third, the result of investment is gain or loss, while financial management is a long-term consideration, in order to make the future life quality. Therefore, only by recognizing the difference between the two and establishing a correct concept of financial management can you make your assets safer and have enough ability to bear the risks.

1. You can't overestimate the future.

Pay attention to accumulation when you are young, and consider investing when you have a certain foundation in middle age, and investing and providing for the aged when you are old.

11. The purpose of financial management is to balance the present and future income and expenditure,

so that families are always in? Income exceeds expenditure? State, not because? No money to pay the bill? It leads to family financial crisis and affects family life happiness.

12. where should financial management start? Conservative? Set out.

to avoid financial difficulties in the future. China's economy is in the stage of rapid growth, and there is great uncertainty in this growth, which also makes people's future income consumption very large? Variable? For example, income instability, the threat of unemployment, inflation factors, etc.

13. The core of financial management is cash flow management < P > Family cash flow includes;

recurrent inflow: wages, bonuses, pensions and other recurrent income. Compensatory cash inflow: insurance payment and unemployment benefit. Investment cash inflow: interest, dividend income and income from selling assets.

the cash outflow of families includes:

daily expenses: expenses for clothing, food, housing and transportation; large-scale consumption expenses: unexpected expenses for car purchase, house purchase and children's education; compensation for serious diseases, accidental injuries and third-party liability; is it necessary to manage the cash flow of families as much as possible? Match? Get up and keep the family together? Surplus? The ability to pay, and? Surplus? The greater the degree, the better, the more? Surplus? Explain that the more financial situation? Freedom? .

14. Credit card is a financial opium

It is the chief culprit of impulsive consumption, which makes people spend more money unconsciously, and it is expensive, with interest of 18-2%.

15. Young people under the age of 35 are not suitable for

borrowing money to buy a car or a house. Youth should rent a house.

16. Definition of slave.

Qian Yue, which pays the bank every month for more than 5% of the income of husband and wife, is called a slave, a house slave, a car slave, and so on.

17. Don't get into debt

The monthly payment should not exceed 3% of the family income, which is the bottom line and experience. Don't feel that life is worse than death in finance.

18. Buy a house and a car first and then a car. A car is not a necessity for life.

buying a car doesn't change anything.

19. Young people must learn to invest, and old people are very unsuitable to buy stocks.

2. Lottery is not financial management.

It is ok to play, not as a matter, not financial management. The person who won the lottery is still poor after 1 years, because he can't manage money, how did the money come from and how to get there.

21. A person who doesn't buy insurance is like wearing no clothes.

Everyone needs insurance, but don't buy too much.

22. People with brain problems. There are problems in finance and business.

People who have little wives are all

23. Experience of being married for 1 years.

it's almost the same with anyone, and divorce is boring.

24. Say a word to a woman

It's better to rely on everyone to run, or on your own.

25. If you don't manage your money, money will ignore you.

26. There are only three kinds of people who can predict stocks

Genius, madman and liar.

27. the principle of financial management

if you are not familiar with it, don't do it if you don't understand it.

28. The beginning of financial management is to save money.

If you get it first, you will save money.

otherwise you have no money to manage. In layman's terms, financial management means making money, managing money and spending money. We regard income as a river, wealth is a reservoir, and the money spent is the water flowing out. Only the rest is your wealth. Your first fortune, the first dollar must be saved. Besides, ask every millionaire if he has a dollar first, then 99,999 yuan, right? Otherwise, he won't become a millionaire. If you spend all the money you earn, just like those young people nowadays, many of them are called moonlight clan, and they have no money management.

29. Financial management is a habit.

Financial management is a habit. If you want to live a good life in the future, you should get rid of your old bad habits from today.

3. Frugality is a virtue, and frugality will always be a virtue.

31. Never put yourself in a certain class

Some people say that people of our level, I mean what level are you in? I have met hundreds of millions of rich people. They dress very simply, right?

32. New investors make money because they are bold.

In 26, when the bull market was good, many people made money, especially new investors made money because they were bold, and they never lost money. When operatives like us lost a lot, they wouldn't be so bold.

33. Making money in the stock market is robbing money

Earning 1, yuan from 6, yuan in the stock market, and that 4, yuan is like grabbing it from people's pockets on the street. Taking money in the stock market is robbing money. You are lucky to grab it. Don't complain that you have robbed less. Don't think that you haven't earned enough money. If you rob more, the police will catch it.

34. A car is a money-burning thing.

Car prices are always falling and house prices are always rising. Don't buy a car before buying a house. A car is a money-burning thing. The asset of a car depreciates from the moment you buy it. If you buy a car for 1, yuan, and then one minute later, you say that you don't want it, and then sell it to another stranger at the door. You are lucky that 75, yuan can be sold. If you sell it after one year, if you can sell it for five dollars, you will burn high incense. Let's not say that the oil price is rising, the parking fee is rising, and the cost of other cars is high. The car is a burning thing. The house is a special commodity in a person's life, because the house can bring a woman a home and a family life she wants? It will bring a person inner peace or calm, but buying a house must be within one's ability. Just now, the parents were right. Children and grandchildren have their own children and grandchildren. Don't spoil the children too much. You paid him a down payment. If he can't earn the money for that month, he will be very uncomfortable and will become a house slave.

35. The house purchase and monthly payment should not exceed 3% of your income.

We think that if you can pay the down payment and then the renovation, the amount of mortgage payment per month should not exceed 3% of your fixed income for one month and your income for the next few years. I think it is ok. If you reach 5% of your monthly income, you will be strangled at that time, and it will be very uncomfortable. Moreover, it is the interest rate hike cycle, and you will feel uncomfortable when the bank raises interest rates.

36. You can't spend enough money

because your life requirements are changing.

37. Credit card is a kind of usury.

In China, the penalty interest is five ten thousandths a day, which costs 18 percent a year, plus 7,788, which costs 25 in the United States. Credit card is a kind of usury.

38. There is no age difference in financial management

Some people may have a good sense of financial management at the age of fifteen or sixteen when they are very young. A person's maturity has nothing to do with size. Many people live a lifetime without knowing what they are. Live by yourself. Why? Many people just muddle through their lives.

39. live within your means

live within your means all your life. No matter how much money you earn, you should abide by it all your life and live within your means. I just said that how much money you earn is not enough for you to spend. This thing is very understandable. You should abide by it all your life and live within your means.

4. Don't let debts entangle your life.

Don't get into the bad habit of borrowing money for consumption.

41. There is a saying in China that money does not enter the emergency door. Those who are in a hurry to get rich will definitely break the bank. Just those who want to get rich overnight, the final result is that they can't even get their money back, right? There are too many such things.

42. The iron law of the stock market

Ten people who speculate in stocks, one earns, two draws and seven loses.

43. You don't get married because you love each other.

There is no causal relationship between marriage and love. You don't get married because you love each other, but because you have the same world outlook and values. The result of love at first sight is that everything that comes quickly goes quickly.

Young people should remember that marriage is the biggest wealth and debt in your life. If a woman marries the wrong husband, she will never be happy, and if a man marries the wrong wife, she will never be happy. Imagine that a moonlight clan and a person who scrimps and saves for the future live together, and their values are different. It is conceivable that such a marriage is unhappy, and divorce is the biggest break.

44. Concentrate on one investment in your life and you will live a happy and happy life.

There is an old saying in China that you can eat all the food with one trick.

45. Financial management is not gambling

It is to make a good distribution of your family's money before investing. Emergency money, life-saving money, borrowed money can't be used as stocks, but money that has not been used for 1 years and 5 years should be used as stocks

46. Insist on [independent thinking] all your life

Investing in stocks is the first priority.