工薪族如何理财（How do you manage your finances）.doc

工薪族如何理财（How do you manage your finances） How do salaried people manage their finances? "Salary can only make you live a safe life. If you want to be a real rich man, you have to invest yourself in the vagaries of the market."". How can we enjoy life and achieve the dream of wealth in our original work? The easiest way is to make money with money. Learn to increase your wealth by investing in money. The biggest advantage of the salaried class is income stability. Apart from the daily consumption and educational investment of children, the income has a certain surplus. How to put the remaining funds through investment, financial management, to produce the greatest benefit, achieve snowball profits, which is the key to financial management of the working class. A family of three, if you eliminate the daily consumption and investment in education of their children, only 10 thousand yuan per year, but also to find a long-term interest rate of 8% of the investment opportunities, the annual investment of 10 thousand yuan. There is a small bank deposits. This method of investment can be called zero throw. In the past 20 years, ten thousand yuan has been invested each year, with a total investment of 200 thousand, with close to 500 thousand, with a profit of 300 thousand, with an average annual return of 15 thousand. And the more you return, the more you'll return. What magical powers double the value of assets? Compound interest. Einstein has long said, "the greatest energy in the universe is compound interest, and the eighth wonder of the world is compound interest."". A small base, with a small amount of growth, will expand into an appreciable amount in a matter of days. According to the famous "72" rule, that is, by 72 divided by the yield, you can get the principal double the time, for example, for the 8% return of the investment tool, after 9 years, the principal will become two times the original. Someone might ask, where can I find an investment opportunity of 8% a y