Mathematical thinking in investment finance, how many have you done?

Mathematical thinking in investment finance, how many have you done?

We can see how important it is to invest in our financial life. Investment finance, as long as it refers to careful calculation, planning, is certainly not separate from mathematical thinking. Mathematical thinking is thinking about problems and solving problems using mathematical computation, small to life's oil salt, calculate how much money, large to buy a house, calculate how much down payment, how much loan is needed, etc.

The result of thinking, also comes from the thinking method. Investment finance is like playing go-go, practicing Tai Chi, the basic investment finance techniques are not many tricks, but need to be constantly practiced and summarized, persevere, and then come up with new and more effective investment finance techniques.

• Investing in finance is mathematical thinking: adding

  In investment finance, the key is to accumulate less and more, which mainly includes two aspects: 1, wealth accumulation less and more; 2, investment and financial knowledge accumulation less and more.

  • One, the accumulation of wealth is less than a tonne.

    How can you increase your wealth? Four words that can help you to increase your wealth are: You need to plan your wealth. First, you need to plan your spending, spend wisely, learn how to spend money, and then you will know how to make money.

    For example, if a person with a monthly salary of 3,000 yuan wants to buy an Apple phone worth more than 6,000 yuan, then he must work hard to earn money, save money and finance and other methods to make enough money, money is not saved; Second, plan your money wisely, do not leave your wealth lying around in the bank, try to use it as much as possible, improve the efficiency of the use of money, make the value of wealth increase, this is how to make money; Third, and the most important point, is to learn to invest yourself.

  • 2 Investments and financial knowledge accumulations are less than a ton

    In today's society, where the rich get richer and richer, and for those who are paid by inflation to eat the fixed interest, the increase in wages is simply not keeping up with the rise in prices, and at the same time to worry about whether the work can be done for a long time, in addition to the market investment property products are also increasingly, the variety is constantly new, if no longer trying to learn, but choose to invest with the wind, the middle class may at any time become a poor hurried people.

    So, it's easier to make money for yourself than it is to make money for someone else. To use a quote from Buffett, you don't need a genius IQ, extraordinary business acumen, or insider intelligence to be successful in investing your whole life. What you really need is a sound knowledge framework for making decisions, and the ability to avoid letting your emotions destroy that framework.

• Investing in finance, mathematical thinking, and subtraction.

  The ultimate level of deductive reasoning in investment finance is expressed by a phrase in Liu Yong's Butterfly Love Flower, which means that one learns and persists in investing financial knowledge throughout one's life.

  • Reducing Debt

    First of all, reduce your credit card spending. Credit cards are a kind of debit card, which means taking tomorrow's money, using it today, prepaying for future wealth, and every time you use a credit card, it means an additional debt. And if you do not repay the debt by the specified date, know that the credit card cycle interest can reach more than 20%, which will allow you to bear the debt of a lifetime.

  • Reduce high-risk investments

    High-risk investments, returns are indeed good, such as stock market investment returns are around 30%-50%, or even more; there are futures, foreign exchange, etc., but once the investment fails, it may make many people desperate. Middle-class families can configure 40% of high-risk investments, because the risk tolerance is stronger, but still be careful, try to choose as much as possible brand recognition, good shareholder background, publicly traded company shares with no record of violations.

• Investing in finance is a mathematical thinking trick: multiplying

  This mathematical thinking is most common in investments, such as in the stock market, where a person or company provides funds for shareholders to buy shares, you have 100,000, I borrow you 300,000, so shareholders have 400,000 big capital shares, of course once you make money you also make a lot.

• Investing in finance and math thinking:

  The mathematical thinking trick is to use the trick to get rid of bad financial habits, such as consuming without restraint, love to brush credit cards, earn how much money to spend, only pursue high-yield investments, neglect emergency reserves, etc. Bad habits often affect the increase in wealth; using the trick to filter out good investment projects, price is better than three houses, more than enough, more than enough, fit your own is the best.

  Use the elimination option to suit your own product portfolio, such as fixed income finance + stock market investments, etc.; use the elimination slim investment scale, reduce high-risk investments, especially in the market is not very good, and the loss-making investment, to seek the effect of the elimination of the light load, easy to do good investment finances.

• Some ideas

  • 1, prepare a relief fund Preparing a living allowance for three to six months can help you to avoid any emergency situation. The money is highly liquid, and it is recommended that you use a life deposit or a currency fund such as the Yuex Treasury, which is convenient to use in an emergency.

  • Start saving for retirement For 30+ people, there are more and more things to consider. In addition to working income, the share of income from assets should be higher.

  • 3 Moderate attempts at venture capital Once you're ready with these robust types of assets, such as emergency funds and retirement funds, you can begin to properly consider some open-source investments.

  • 4 Financial issues and honesty There are always a few people who are perfect financially. Most people have their own financial problems, they may have moonlight, they may be in debt, they may be a losing investment... For better or worse, honestly discussing financial matters with their loved ones is usually more conducive to the good development of marriage and assets, after all, life is a long way away, and no one wants to have a serious blow to their financial situation because of a petty petty matter.

  • 5th, those with money can consider investing in real estate After deciding to settle down, you can start buying a house. After all, in today's China, there is nothing better than a house to beat inflation, whether it is to prepare for a family or to preserve assets, investing in real estate is something that must be considered after 30+.

  • 6. Use less credit cards Look at the credit cards, there are many discounts, but the fact is that credit cards accumulate more and more as your score increases, and the discounts come from encouraging your consumption.

  • 7 Keeping Debt in a Reasonable Range Generally speaking, excluding mortgages, the total of other debts (car loans, credit card payments, etc.) should not exceed 50% of your salary, so your financial risk is relatively low. Debt is not a flood monster to be firmly avoided, and some benign debts, such as investment-type loans generated by real estate, can be used to leverage financial wealth, but efforts to reduce debt as much as possible are still necessary.

  • 8. Reserve Fund for Education for Children Create an educational fund for your children. You can even save the money together with your children, and you can not only be a good example of their wealth, but also help them set financial goals and train their children to be financiers.

  • 9.Don't increase your consumption as your income increases The 30s are usually the time when we earn the most and often the time when we consume the most. If you can control your spending and invest more, I believe you will have more wealth in the future.

  • 10 Learn about investment finance The field of investment finance is full of various experts and experts, who follow their ideas and are not good at managing their financial lives, which ones can be trusted? Who should I trust?

  • 11• Improve your bargaining skills at work According to Business Insider, even if you love your current job, you should still interview at least 2-3 times a year, which will maintain a certain level of professional competence and highlight your personal value. If you're leaving a better paying job, maybe you can share the information on the offer with your current employer, and I think he'll adjust your salary.

  • 12 - Investing in yourself is important In his book 21 Success Secrets for a White-Handed Millionaire, expert Brian Tracy points out that there are certain methods of achieving success that are highly likely to make you wealthy, such as investing 3% of your income in yourself, continually improving your professional skills, knowledge reserves, or other aspects, at least on a spiritual level, which greatly increases the likelihood of success.

    Once you are in your 40s or 50s, changing jobs or going back to school comes with more risks, as it becomes more difficult to return to the top as you get older and keep investing in yourself after the age of 30.

This article was originally published on WeChat: Qingdao Wei Jing An Cloud Trading, Gao Xuan Wealth.