你可能很懂理財,也可能一竅不通。以下的10個理財觀念,對任何人都可適用,掌握這些原則與方法,幫你作出正確的理財抉擇。
1. 看財經局勢,做趨勢計畫
2.不要只為了賺錢而投資
3.用情緒理財是最失敗的策略
趙夫子
2014/02/21
The standard investing guideline for risk management is diversification, which requires businesses and individuals to invest in a wide variety of investments. A common diversification method is to split money in a specific way, such as 25 percent in low-risk money markets, 25 percent in government bonds, 30 percent in domestic stocks or derivatives and 20 percent in international investment instruments. Diversification attempts to spread risk among several safe and risky investments in various economic markets.
Businesses and individuals should hold a portion of their capital back when making investments. Using a savings account ensures these individuals have cash on hand for emergency purposes if necessary. Savings accounts may also represent an extremely safe investment if the bank or credit union offers interest on the savings account balance. Businesses and individuals can also use a savings account to electronically transfer funds when buying or selling investments, creating quicker transaction times.
Investing sooner rather than later allows businesses and individuals to let their money work longer and potentially earn higher returns. If investment markets become extremely risky and businesses or individuals start losing money, investment decreases will only reduce earned income rather than the original principal balance. This allows individuals to cash out of extremely risky investments with little economic loss relating to their original investment.
Managing financial risk often requires businesses and individuals to spend copious amounts of time learning and understanding about the investment market. A portion of this time should also be spent on learning about specific investment instruments offered by companies and governments. Investment education may come from brokerage houses, investment websites, books or other similar materials. Proper investment education can mean the difference between highly successful returns and significant losses.
Financial investing often requires businesses and individuals to be savvy, not greedy. Savvy investors often understand when to cash out and accept current financial returns. Greedy investors will continually wait for the investment to go higher and provide better financial returns. The problem with waiting for investments to go higher is the investments might begin to go down. Significant reductions in investments can occur quickly and erase all financial returns earned on investment instruments.
Written by Dr. Chao Yuang Shiang (趙永祥 博士)
Faculty, Dep. of Finance, Nan Hua university
富人與窮人的時間觀
窮人為錢工作,富人讓錢為他們工作;
窮人管理金錢,富人卻善於管理時間;
富人時間不夠用,窮人不知如何殺時間。
時間在窮人手上變得一文不值,在富人手裡卻變得價值連城,
因此,窮人將會更窮,而富人也將更富。
為什麼每個人擁有的時間都一樣,但成就卻大不相同呢?你通常是花錢買時間還是賣時間賺錢?有人開車繞了半小時只為了找一個免費車位,有人花錢找人辦事讓自己可以做別的更重要的事。當時間不再只是度量衡而是有行有市可以買賣,你的時間值多少錢,你願意用多少錢買別人的時間,未來會有交易所,請先標好你的定價。
會管理時間就會管理金錢也會管理自己的人生,讓人生更精彩的關鍵就在於同樣的時間內透過規劃、分工可以做更多的事情,讓家庭、事業、婚姻、健康都能兼顧。
千萬不要讓遲到、懶惰,這些小事浪費在您寶貴時間上。
十個理財重要觀念
你可能很懂理財,也可能一竅不通。以下的10個理財觀念,對任何人都可適用,掌握這些原則與方法,幫你作出正確的理財抉擇。
1. 看財經局勢,做趨勢計畫