Don't put all your eggs in the same basket!

A successful person must not only be able to make money, but more importantly, he will be able to manage money, so wealth asset allocation is a work that must be done and perfected.

Financial management is a kind of life, financial management is a kind of confidence, financial management is more like the layout, money is not worth when there is money, people are not worth money when there is no money, only when the spring breeze is proud, in order to have a way when embattled, if you want to make people always valuable, you must make the worthless money become valuable money, this is financial management.

Because in the attribution analysis of investment returns, more than 90 percent of the returns are determined by asset allocation, which is the key factor for the success of long-term investment; among the many factors that affect investment returns, the choice of securities, market timing, etc. are uncontrollable, and only asset allocation is the only factor that investors can control.

Fixed income products play a very important role in asset allocation, which can maintain a stable style and pursue certain returns, while at the same time sharing the risks brought by a single partial equity product.

Therefore, asset allocation can ensure that you face the market with a reasonable, positive and healthy investment mentality, especially when encountering extreme market challenges.

(Here the devil said a little off-topic, many people always feel tired and tired for a year, and finally look at the account to see how little money is left, this can only mean one thing, you are not good at managing money.)

Here, the Devil gives readers the most complete financial plan for reference, and the Devil has been strictly following this plan for ten years.

The first part is the short-term "money to be spent", which accounts for about 10% of the family's total assets, usually 3 to 6 months of living expenses, such as daily life shopping, transportation, children's tuition fees and other expenses. The liquidity requirements of this part of the money are relatively high, and it is recommended to deposit it into a bank current account or buy a money market fund with better liquidity, such as a change pass of a certain letter. . .

The second part is "special money", which is used to protect family members from unexpected situations or major illnesses, and they must ensure that there is no loss of principal, which is more suitable for some insurance or bank fixed deposits and other principal-guaranteed investments.

The third part is "the money that makes money". The money that creates income for the family's assets, this part of the funds can be invested in targets with certain risks to create higher returns. They are money that can be earned and lost, no matter whether it is profit or loss, it will not be a fatal blow to the family, the main investment direction is stocks, funds... The devil chose the fund, and the stock was trapped - cry!

The last part is the "capital preservation and appreciation of the money", is an important source of family pension, children's education, this part of the capital under the premise of relatively safe principal, the income does not have to be very high, but to be long-term stable, and generally do not need to be used, can continue to invest regularly, accumulate a lot.

The key to this last part is to add up to a lot, don't underestimate the accumulation of a lot, save a little every day, and after a year you will find that, wow, there is still so much money left!

The above part is the experience of the devil, the key is a strict implementation, a persistence, as long as you insist on implementation, you will find that such financial management, will benefit you for a lifetime, the devil knows that many people also know that such financial management is beneficial, the key is that you can't insist, you will give up after a period of time, but remember, financial management is your personal lifelong practice!

Ahem, okay, let's get down to business... ）

People like Arthur who suddenly became rich are most afraid of losing their wealth quickly, so he will prefer to invest in real industries, which can see the assets, and the majority of them make money in the industry, but it is a matter of earning more and earning less, but after all, the loss is a minority, which is just the opposite of tossing in the financial market.

Although, to do business, you need to build a factory, to set up a team, you need to calm down and seriously produce products and sell them to customers in the market, and only after receiving money can you complete a process.

The time required during this period is much more energy and time spent on earning every dollar than trading stocks, and a considerable part of the money you earn has to pay taxes, it seems that your payment is greater than that of stock trading, but the uncertainties are much less than in the stock market.

As long as you quietly do one thing to the extreme, you must be able to make money, the goal is clear and can be achieved by you and your team, and the least affected by uncontrollable factors is a characteristic of running an industry.

Therefore, Arthur will deploy electricity, because in today's world, human beings are inseparable from electricity, and the world without electricity is almost the same as the end of the world!

At two o'clock in the afternoon, Arthur carefully dressed up, handsome suit and leather shoes British style, I believe that any woman will see a few more glances, after all, women like handsome guys just like men like beautiful women.

When Arthur's car came to Hearst Manor unimpeded, he saw Amanda Hearst in a red suit standing at the door of the mansion, concise and handsome, the close-fitting size better showed the comfortable body curve, with a pair of silver high heels, not only visually elongated the overall proportion, the big long T looked more slender and slender, and the dignified low ponytail was completely the dress of a strong woman.

"Sorry to keep you waiting. After getting out of the car, Arthur apologized with a very gentlemanly smile.

"No need to apologize, you're punctual, let's go. Amanda looked at the tall and handsome Arthur with a smile and said softly.

"Please—" Arthur gentlemanly pulled the car door for Amanda, reaching out to help her block her head.

"Thank you. ”

When Amanda got into the car, Arthur helped her close the door, went around to the other side, and after getting into the car, he and Amanda looked at each other and smiled.

Along the way, the two talked happily without strangeness at all, maybe this is where the shejiao emotional intelligence of the celebrity daughters lies, the tone of speech, the rhythm, are so just right, making people feel like a spring breeze, very comfortable.

“。。。 Speaking of which, in the UK, I also thought about buying a few fashion magazines, but in the end I bought dozens of regional newspapers. ”

"Oh?" Amanda's beautiful eyes became extremely bright, and he looked at the smiling Arthur and said curiously: "It's not a good idea to buy newspapers now, you know, the whole world is not optimistic about the future of newspapers, and they all think that the print media is dying." ”

"Hehe... Arthur shook his head and smiled, and said a little teasingly: "This is not like what the heir of Hearst Media Group said, do you really think so?"

"Hehe, everybody says that. Amanda shrugged her shoulders and blinked mischievously and said, and asked expectantly, "Do you have any different opinions?"

"Hehe, are you examining me?" Arthur laughed, and then spoke eloquently under the gaze of Amanda's beautiful eyes.

"In fact, whether it is a newspaper or a magazine, it is the same, and it does not say that due to environmental changes, it was eliminated as an important tool for engaging in content provision and its qualifications have been cancelled.

Judging from this reasoning, the magazine and newspaper itself have not declined, it is just that due to institutional reasons, they have not kept up with the trend and are outdated.

So magazines and newspapers are not as difficult to survive as people think, the difference is nothing more than that the medium has changed, the world that people can see through the Internet is bigger, there is no harm if there is no comparison, and the earth tyrants who occupy a certain area in a certain area feel good about themselves... Hehe, I don't mean to despise you media kingdoms.

But now, after standing with the better, the natural gap will be revealed, and there is no way to get better, so naturally we can only make do. Recommended ReadingTV//

Once there are better ones and they are easy to obtain, why bother yourself and choose the worse ones?

Therefore, from this point of view, the essence of people buying books and reading newspapers is to want the content they can transmit, as long as it is a good enough magazine and newspaper, only if there is better content, not only will it not decay, but also because the transmission cost becomes lower and the speed of dissemination becomes faster, it will only live better and better.

Of course, after all, no matter what industry, there will always be a minority who live well, for more ordinary, indiscriminately filling up those magazines and newspapers that are mixed with wages and living a life, decline is inevitable, and the good ones will inevitably be better, and the bad ones will only be worse. Traditional newspapers and magazines and other paper media are becoming more and more difficult to live, which is also a kind of metabolism with the development of science and technology... ”

Arthur seemed to open the conversation, and under the gaze of Amanda's beautiful eyes, which were getting brighter and brighter, continued: "... Just like the history of the development of mobile phones, new ones are constantly emerging, first they can make phone calls, send messages, slowly take pictures, listen to mp3s, surf the Internet, and then develop into a human organ extension and become a handheld mobile Internet terminal device.

Although the name has not changed in the process, we still call him a mobile phone, but its essence has changed dramatically. For media such as newspapers and magazines, their role as a provider of written content is just as valuable, compared to the original.

Even if the Internet continues to speed up rapidly, even free, it does not mean that we are all the same, in essence, it will only make the competition more fierce with this development, it turns out that I feel very good in a small area, if there is no sense of crisis, then, arrogance will only make my situation worse and worse.

However, as long as you can grasp the core essence and continue to grow by constantly polishing your abilities, you may be eliminated those who do not know the changes and still live in their own imaginary world. Although change will inevitably bring pain, the key is not only to focus on the present, but also to have hope and hope for the development of life... “

"That's a great analysis, but how?" Amanda asked in a soft voice with a smile growing as she looked at Arthur with more appreciation and adoration in her eyes.

"This requires a change in the way we look at things, not just the pursuit of immediate feedback, no matter what we do, we want to get feedback immediately, and if you want to do it quickly, you can't achieve it, after all, in fact, the development of anything is not immediately fast.

For example, in terms of giving birth to a child, don't you have to conceive a baby in October! So there will inevitably be pain in the process of change, but the purpose is definitely not for pain, but for the sake of being better in the future.

If you can change your perspective on the world, you will inevitably come to a different conclusion from most people, when everyone is not optimistic, and they feel that it will be painful to do it, if you can look at it from a longer-term perspective, you may find a different existence, and if you don't do it well, it will become an opportunity for your own development. The point is that once the time changes, it is necessary to take a long-term perspective, and for the absolute majority, it is not so easy to feel connected to themselves. Arthur smiled and looked at Amanda who was lost in thought because of his words, and he couldn't help but exhale a long sigh of pride in his heart.

For a celebrity like Amanda with real talent and learning, it is difficult to establish authority and ability in their hearts without coming up with something genuine, and now it seems that everything is going very well!