投资理财常识与技巧：脑袋决定口袋.docVIP

投资理财常识与技巧：脑袋决定口袋穷人和富人最大的差别就在于懂不懂投资，会不会投资，有没有投资获益的能力，而一个人在投资市场中取得成就的高低，是他投资能力的直接反映，这就是所谓的“脑袋决定口袋”。正确的投资观念随着中国理财市场的健康发展，对金融机构所提供的金融服务的水平要求也在不断提高，开发更多更好的理财产品，培养更多高素质、复合型金融人才也是目前市场的需求。另外，加强投资者的投资理财教育，培养投资者的理财意识也是非常重要的。在投资理财的教育中，树立正确的投资观念是非常重要的一课。到底什么是正确的投资理财观念呢？(1)投资是一个长期的过程，不可能一夜暴富，它需要时间和耐心。(2)家庭是单独的个体，如同一个小帆船在海洋漂流。因此，资产的安全性应在第一位，营利性应放在第二位。(3)投资就会有风险。树立风险意识，根据自己的实际情况，选择所能承受的风险投资工具，切勿随波逐流。如银行存款、国债，属于低风险、低回报投资工具；如股票、实业投资，则属于高风险、高回报的投资工具。(4)保证足够的支付能力和资产流动性，过度消费最容易将资金链拉紧，其中包括贷款消费，如买车、买房等，在资金不能合理分配的情况下，尽量减少债务负担。(5)保险是对人生最重要的保障手段之一，也是家庭资产的重要组成部分。根据不同的人和年龄段买相对应的保险产品，才会最大限度地发挥保险的作用。(6)股票是一种可以使家庭资产迅速增值的投资方式，但如果操作不当，则会导致资产尽失，带来家庭的财务危机。(7)学习必要的理财和投资知识，同专业的理财专家或投资人员进行交流，但一定要有独立的思考和分辨能力。(8)将生活保障(如住房、教育、现金、汽车)与投资增值(如实业、不动产)合理分开。投资增值是一种长期行为，目的是提高生活质量，不要因为投资而降低了目前的生活质量。另外，投资资金应该是除正常生活消费以外的资金，用闲钱投资，是对家庭生活的保障，也是安全投资的原则。全新的投资理财理念人们一提到投资理财，就会想到赚钱、赚很多的钱，这是每个投资者都关心的问题。然而，在现代生活中，投资不单单只是赚钱，将全新的投资理念融入投资理财计划中，才能更好地保障你的财富。1健康就是省钱人常道“健康是福”，拥有健康的身体、没有病痛的折磨，比金钱来得更加快乐、幸福，不吃药、不打针、不上医院、不治疗，自然而然就可以省下一大笔医疗费用。何况，现在医疗费用普遍偏高，一旦身体不适，去医院诊治低则几百元，高则成千上万元。若患上重病，可能会将多年的积蓄一扫而光，甚至面临破产的窘境。因此，为自己的健康多做投资，才是最大的财富。2平安就是赚钱人生在世，平安也是福。从理财的角度来分析，平安也等于赚钱，不论是买房还是装修、不论是居家还是外出、不论是用电还是用火、不论是开车还是走路所有的一切都应该做好安全防范工作，如汽车刹车失灵、电线老化、煤气管漏气等问题，发现了就应该立即解决，不能为了省钱而将就着。保障家庭安全、人身安全就等于得到了一个“大金山”。3不贪婪不破财随着科学技术的进步，骗人的伎俩可谓是花样百出、层出不穷，各种骗人的手段都是依赖人的贪婪心理，打着诱人的幌子等鱼儿上钩。要想不上当受骗，就应该保持警惕，不存贪婪之心，天上是不会给你白白掉馅饼的。4发现就是发财如今，收藏之风日渐盛行，不论是字画、钱币、古董、玉器一旦发现其身价，就等于得到了一个金元宝。因此，在理财的过程中，善于发现也会给你一个不小的惊喜。在清理家务时，可以随时注意家里有没有什么老玩意儿，在角落里满是灰尘的东西，说不定就是一个宝。另外，在古玩市场，也可以去“捡大漏”试试看，在古玩市场中寻宝必须具有一定的专业知识和鉴定技能，否则，就不要贸然行动。投资不是有钱人的专利在生活中，许多工薪阶层或中低收入者都有一种观念：“投资理财是有钱人的专利，与自己的生活无关”。由此可以看出，穷人和富人的最大差别就在于对投资的了解与认识。他们普遍认为，每个月的收入刚好应付日常的生活开销，怎么会有钱去理去投呢？可常言道“你不理财，财不理你”，因此，学会合理的投资理财方法和技巧，才会让你脱离“没钱可理”的穷人圈。事实上，投资不是看你多有钱，关键在于你是否有投资的意识，是否愿意去投资，是否会投资。不同的人因为其经济实力的不同，所选择的投资方式也会千差万别，而对于普通的工薪阶层来说，投资就得从积累小钱开始。每个月从工资里抽出一小部分进行储蓄，几年后，也会是一笔不小的数额，那便是你投资的成本。不论是大钱还是小钱，我们都可以用来做投资，唯一的区别只是投资理财的方式不同，然而，投资理财是伴随一生的，在这“大鱼吃小鱼”的竞争社会中，收入越低的人越输不起。因此，投资理财应该更加严肃并谨慎地对待。例如，若手中有2000元的闲钱想用于投资，因为资金数额不大，而且不能承受较大的风险，则可以选择门槛较低的投资理财工具，如储蓄和债券。若有20万元的存款，且能够承受较大的风险，其选择的投资方式就多了，如高风险高回报的股票、外汇、期货等。古人云：“不积跬步，无以至千里；不积小流，无以成江海”。先将小钱积累起来，才有可能把小钱变成大钱，当你对小钱投资了如指掌时，对于大钱投资的掌控能力也会大大 增强。不投资不熟悉的领域俗话说，做生不如做熟，即做投资，不论投资是大是小，一定要投资于自己熟悉的领域，这样的路会好走些；对于不太了解的投资品种，盲目地随大流走，必定会遭遇失败。投资前要做好准备，通过各种渠道了解投资产品，若是碰到一些新颖的投资方式，自己没有专业知识和经验，最好的解决方法就是慢半拍，把握投资门道、摸清脉络后行动，不要让自己的投资热情烧过头了。希克斯缪斯说过：“我在电信行业的投资是我所做过的最愚蠢的一件事，不是因为电信行业无利可图，而是因为我对电信行业不够了解。一个外行冒冒失失地闯进一个行业，并且想和内行人竞争，实在不是一件聪明的事情。”希克斯缪斯和他旗下位于得克萨斯的希克斯缪斯投资公司在华尔街上可以说是人尽皆知。希克斯因其敏锐的直觉和精湛的投资技术扬名于华尔街。他旗下的希克斯缪斯投资公司通常以最低的价格买进一批发展形势比较好的公司，然后运用各种金融手段将这些公司交易出去，从中获得丰厚的利润。在19992000年之间，希克斯将目光投向了当时风头正劲的新兴的电信公司，他先后向四家新兴的电信公司投入了10多亿美元。希克斯认为，四家公司的运营模式各不相同，可以说这是一次多元化投资。但是，希克斯的过于自信让他放松了警惕，并忘记了一件事，那就是他对电信行业并不熟悉。果不其然，希克斯此次的投资将自己陷入了巨大的风险危机中。当这些公司的股价持续走低时，自信的希克斯认为，这只是一时的现象，用不了多久情况就会好转。希克斯没有把握住最后的机会，最终，四家公司纷纷倒闭，10亿美元的投资化为乌有。这次的投资失利对于希克斯来说，无疑是一次巨大的打击。也正是因为此次的投资行为，希克斯深刻地认识到，投资一定要做自己熟悉的行业，贸然进入不熟悉的行业是非常危险的。投资者虽然不是实业家，但做投资时也一定要以做事业的心态去考察自己的投资对象，那才是一个真正合格的投资者，否则就只能算是一个投机者。让钱成为你的奴隶很多人只要提到“钱”，脑子里浮现出的都是消极的事物，有这种思想的人一般对钱都有偏见，只要一提到“钱”心里就会感到不适。当现实生活中出现经济问题时，也不会积极面对，而是一味地选择逃避，最终一辈子都无法从中摆脱出来，到头来钱成了人的主人，而人成了钱的奴隶。钱是人的主人与人是钱的主人是完全不同的两种情况。当人是钱的主人时，人可以实现梦想，过上幸福的生活；可当钱成为人的主人时，情况就完全不同了。这样的生活会让人抛弃所有的希望和梦想，工作的目的就是为了挣钱，生活的一切也都是围绕着钱，自己不再期待未来的经济收入会发生变化，认命于命运的安排，过着被动的生活。由于这种被动和宿命，在对待钱的态度上，人们常常会给自己的经济实力划定一个界限，随后便会产生一种安于现状的态度，对待收入会说“我不论多努力也就只能挣这些钱了”，而对支出会说“这点钱都不花，这日子还能过吗？”要想从被动的生活中走出来，就应该打消这种安于现状、为时已晚或是无济于事的消极观念。对钱的消极态度会堵住钱的流通渠道，出身贫寒并不丢人，赚钱不多也不丢人，而向命运屈服才是真的丢人，要想过上富足的幸福生活，就必须承认钱是美好的也是必需的，自己要从内心真正希望过上好生活，并坚信美好的人生正在等待着自己，还要建立一个更大、更具有进取心的财务目标，让钱成为你的奴隶。准备好人生的3大资产你知道“三大资产”是什么吗？相信很多人一听到这样的问题，所浮现出的答案就是股票、储蓄和房地产。其实所谓的“三大资产”是用手触摸不到的，但却确实可以承载人们未来的资产，它就是保障资产、退休资产、投资资产。1保障资产所谓的保障资产就是保险。人们努力的工作换来的是固定收入，但如果有不幸降临到自己头上时，如自己或家人身患重病，或是遭遇变故，随之而来的必然是大额的支出，如果不凑巧，这些变故正好发生在入不敷出的四五十岁，则家庭财务必然遭受重创，而想要东山再起，将是难上加难。为了应对这种情况，就必须准备保障资金，买保险。保险是能够在未来遭遇变故时提供经济补偿的优秀资产，它可以帮助人们渡过难关，走出逆境，并节省出一笔不小的开支。不能把购买保险看做是扔钱，当负面事件致使我们经济出现困难时，它就是人们的“保障资产”。2退休资产退休意味着今后将不再有收入。年轻时可以用收入负担起一家人的开支，而退休后收入就没有了。因此，趁着年轻时就必须把养老费用提前预备好。从国家的角度来说，养老金制度是为了应对此类情况而制定的。要想让自己的未来得到最坚实的保障，只能依靠自身的努力，而不能指望他人，养老金也是如此。很多人担心养老金不稳定，然而，除了养老金外，从法律上来说还可以获得一个保障，那就是退休金或退休年金，当职员离开单位时拿到手的退休金就是一笔非常棒的退休资产。退休金是很重要的退休资产，因此，在未退休之前最好别将它取出花掉，也不能将其与别的资产混在一起，将退休金作为退休资产分开管理这一点非常重要，但最重要的是，要从现在开始为自己准备退休资产。3投资资产一般情况下，人们都习惯将自己所拥有的全部资产称为投资资产，用贷款购入的房子和汽车也列入投资资产。但是，这里所说的投资资产是指那些与债务无关的可动用资产。包括子女的教育经费和结婚费用、剩余资金等。当前所购买的汽车和房屋虽然归属于你的名下，但为了能拥有它们，你得向银行贷款，还得不断地支付费用，所以不能称它们为投资资产。之前所提到的保障资产和退休资产是人人都必须准备的重要资产，即使背负债务也不容忽视，而投资资产则是在还清所有债务后再进行准备的资产。The poor and the rich of the biggest difference is that know investment or not, will not investment, have the ability of investment benefit, and one in the investment market of high and low achievement, is the direct reflection of his investment ability, this is the so-called head decided to pocket.A correct concept of investmentAs the healthy development of Chinas financial market, the level of financial services provided by financial institutions requirements are constantly improve, develop more and better products, to cultivate more talents and financial talents and the demand of the market at present. In addition, to strengthen the investors investment finance education, train their consciousness of investors money is also very important. Finance and investment in education, establish a correct concept of investment is a very important lesson.What is a correct concept of investment banking?(1) investment is a long-term process, cant be rich overnight, it takes time and patience.(2) the family is a single individual, like a small boat floating in the sea. Therefore, the security of assets should be in the first place, for-profit should be in the second place.(3) the investment will have risk. Sets up the risk awareness, according to own actual situation, choose to bear the risk of investment tools, dont go with the flow. Such as bank deposits, bonds, belong to low risk, low return on investment tool; Such as stocks, industrial investment, belong to high risk, high reward of investment tools.(4) ensure the enough ability to pay and asset liquidity, excessive consumption will most easily capital chain tension, including consumer loans, such as car, house, in the case of not reasonable allocation, try to reduce the debt burden.(5) to the life insurance is one of the most important means of security, also is an important part of family assets. According to different people and age groups to buy the corresponding insurance products, to maximize the role of insurance.(6) the stock is a kind of way can make the rapid appreciation of family assets investment, but if the improper operation, will lead to loss of assets, from the financial crisis of the family.(7) to learn the necessary knowledge of finance and investment, with financial experts or investment professionals to communicate, but must have independent thinking and resolution.(8) the life safeguard (such as housing, education, cash, car) and investment value (such as industry, real estate) is reasonable. Investment is a long-term behavior, the purpose is to improve the quality of life, dont cry because it is the investment and reduces the quality of life. In addition, investment funds should be in addition to the normal life consumption, with cash investment, is the guarantee of the family life, the principle of safety investment.A brand new concept in financial investmentWhen it comes to finance and investment, people will think of making money, earn a lot of money, this is a problem concerned by every investor. In modern life, however, the investment is not just to make money, will be a new investment idea into financial planning, investment in order to better protect your wealth.1. Health is moneyPeople often said health is a blessing, have a healthy body, no pain, more joy and happiness than money, dont take medicine, injections, doesnt go to the hospital, not treated, naturally can save a lot of medical expense. Besides, now medical expenses is generally on the high side, once the body is unwell, go to a hospital make a diagnosis and give treatment low hundreds of yuan, high tens of thousands of yuan. If suffering from serious illness, may be will away years of savings, or even face the dilemma of bankruptcy. For your health to do more investment, therefore, is the biggest wealth.2. Peace is making moneyLiving life, peace and blessing. From the perspective of financial analysis, peace is equal to the money, whether to buy a house or in decoration, home or go out, both electricity and use of fire, whether to drive or walk. All should do a good job in security work, such as car brake failure, wire aging, gas pipe leakage and other problems, found should be immediately solved, does not do with in order to save money. Home security, personal security is to get a big golden hill .3. No greed no financial ruinWith the progress of science and technology, the deceitful trick is variety, emerge in endlessly, various deceptive means are dependent on peoples psychological greed, such as the cover of attractive fish bait. Not deceived, you should be vigilant, dont put the heart of greed, the sky is not white white roses for you.4. Discovery is richToday, the wind of collection now increasing, both calligraphy and painting, COINS, antiques, jade. Once found, its value is to get a gold ingot. Therefore, in the process of financial management, good at discovering also can give you a big surprise. In cleaning up the housework, can watch any old thing in the home, in the corner is full of dust, might be a treasure. In addition, in the antique market, also can go to pick up big leakage try, treasure in the antique market must identify have certain professional knowledge and skills, otherwise, we dont rush.Investment is not the patent of the richIn life, many working-class or low and middle income earners have an idea: finance and investment is the patent of the wealthy, has nothing to do with your life. Thus it can be seen that the biggest difference is that the rich and the poor understanding of the investment and understanding. They generally believed that the income of each month just to deal with the daily cost of living, how can money to go to vote? But as the saying goes you dont money, money ignore you, therefore, learn to reasonable methods and skills in financial investment, will let you out of the no Qian Keli circle of the poor.In fact, investment is not see how rich you are, the key lies in whether or not you have the consciousness of investment, investment if youd like to go, whether to invest. Different people because of its economic strength is different, the choice of investment will also differ in thousands ways, and for ordinary working class, the investment would have to start from accumulation of money. Drew a small part of the savings from his salary every month, after a few years, will be a big amount, it is the cost of your investment.Whether big or small, we can be used as investment, the only difference is just a way of finance and investment, finance and investment is all ones life, however, in this big fish eat small fish in the competitive society, the lower the income of the person cant afford to lose. Therefore, finance and investment should be more serious and carefully treated. For example, if a $2000 cash to invest in the hand, because the amount of money is not big, but unable to bear large risk, you can choose the threshold low finance and investment tools, such as deposit and bonds. When we have 200000 yuan deposit, and can withstand greater risk, the choice of investment is more, such as high risk high return stock, foreign exchange, futures, etc. The ancients cloud: BuJiKuiBu, no; dont product the little stream, beyond into jianghai. First the money accumulated, is likely to put money into a lot of money, when you know the small investment, for a fortune investment control will also be greatly enhanced.Dont invest in an unfamiliar areaAs the saying goes, do were cooked, namely investment, no matter big or small, investment is to invest in yourself familiar with the area, this road will be more easy; For investments, blindly go with the flow, is bound to fail.To prepare before investment, through various channels to understand investment products, if encounter some new way of investment, they do not have professional knowledge and experience, the best solution is slower, seize the doorways, clear context after action, dont let the noise of their investment enthusiasm to burn too much.Hicks Muse, who said: my investment in the telecommunications industry is the most stupid I have done a thing, not because the telecom industry unprofitable, but because I know the telecom industry is not enough. A layman abruptly broke into an industry, and want to competition, and professional is not a wise thing.Hicks Muse and hes in Texas, hicks Muse, investment firm on Wall Street is known. Hicks because of their keen intuition and exquisite investment technology mark on Wall Street.His hicks Muse investment company, usually at the lowest price to buy a batch of good development situation in the company, and then use various financial means to these trading company get profits.Between 1999-2000, hicks looked the limelight the emerging strength of telecom companies, he successively into four emerging telecommunication company invested more than $10. Hicks believes that the operation mode of the four companies in each are not identical, this is a diversified investment, so to speak. But hicks too confident let him off guard, and forgot one thing, that he is not familiar with the telecoms industry.Sure enough, hicks the risk of the investment will themselves in a huge crisis. When the companys share price falling, confident hicks believes that this is only a temporary phenomenon, things will improve soon. Hicks did not seize the last chance, in the end, the four companies have closed down, a $1 billion investment.The investment losses for hicks, is undoubtedly a huge blow. It was also because of the investment behavior, hicks profoundly realize that investment must make yourself familiar with the industry, rush into the unfamiliar industry is very dangerous.Investors, though not industrialist, making investments also must to do business point of view to examine their own investment object, that is a truly qualified investors, or it can be a speculator.Let money be your slaveA lot of people mention money, emerge are negative things in my head, the idea of general biased against money, as long as the mention of money in the mind will feel uncomfortable. When economic problems in real life, also wont face actively, rather than blindly choose escape, finally unable to free from the rest of my life, in the end money became master of people, and have become slaves of money.Money is the master of man and man is the master of money is a completely different two cases. When the man is the master of money, one can achieve your dream, live a happy life; But when money become the master of man, it was completely different. Such life let a person to abandon all the hopes and dreams, the purpose of the work is to earn money, life is all around the money, they no longer look forward to the future of economic income changes, the fate to fate, living in the passive. Because of this passive and fate, on the attitude toward money, people will often draw a line to their economic power, and then produce a complacent attitude, treat income will say no matter how hard I can only earn the money, and for spending will say dont spend the money, this day can?If you want to come out from passive life, should let this negative concept of the status quo, it is too late, or useless. Negative attitude towards money can block the circulation of money, born in poverty is not a disgrace, making money is not much also dont throw a person, but to yield to fate is really a shame, if you want to live a rich life happiness, we must admit that money is a good thing is required, you want to really want a good life in the heart, and believe in the good life waiting for himself, and to build a larger, more aggressive financial goals, let money be your slave.Ready for 3 big asset in lifeDo you know what three assets is? Believe that a lot of people heard the question, the answer is, stock, savings and emerged in real estate. In fact, the so-called three assets is not to touch, but can actually carrying people of assets for the future, it is safeguard assets, retirement assets, investment assets.1. The security assetsThe so-called security asset is insurance. People work hard for a fixed income, but if there is a misfortune befall him head, such as yourself or your family, seriously ill or suffered misfortune, must be followed by big spending, if unfortunate, these changes happened in making ends meet their 40 s and 50 s, the family financial inevitably suffer, and want to make a comeback, will be even harder. In response to this situation, you must be prepared to guarantee money, buy insurance.Insurance is to provide economic compensation when occurring in the future of good assets, it can help people survive, out of adversity, and save a good sum of expenses. Cant throw money as buying insurance, when negative events led to our economic dif