Investment And Financial Management Should Also Be Avoided.

Carelessness, credulity and greed make people lose their wives.

A farmer went to town to sell donkeys and goats and tie a bell on the neck of the goat.

Three thieves saw, and a thief said, "I'll steal the sheep, so the farmer can't find it."

Another thief said, "I'll steal the donkey from the farmer's hands."

The third thief said, "it's not difficult. I can steal all the clothes from the farmer."

The first thief stealthily approached the goat, broke the bell, tied it to the tail of the donkey, and led the sheep away. The farmer was anxious to find sheep, so that second thieves helped him to see the donkey. The second thief took the opportunity to take the donkey away.

When the farmer came back and found that the donkey was gone, he cried as he walked along.

As he walked, he saw a man sitting beside the pond crying.

When the farmer asked him what had happened, the man said, "I was so tired when someone asked me to send a pocket of gold to the city. I fell asleep in the pond and pushed the bag into the water in my sleep.

If anyone wants to get this pocket gold, I will send him twenty gold. "

The farmer was overjoyed and thought, "God is the only one who has stolen my goat and donkey."

So he took off his clothes and looked for the gold that did not exist.

When he climbed up from the water, he found that his clothes were missing.

It turned out that third thieves had stolen his clothes.

After reading the story, we can find that many people have the same "carelessness, credulity and greed" as farmers.

Especially in the field of investment and finance, there are numerous cases of losing money and losing money.

Avoid traps and check financial situation on time.

In this regard,

First, asset inventory.

To classify, summarize and analyze the assets and liabilities over the past year, we should have a clear understanding and overall grasp of the family's cash flow, check the habits and misunderstandings of family financial management, and evaluate the overall situation of family assets.

"We can make data analysis through different classifications, such as cash assets, fixed investment, financial investment, other investments, short-term liabilities and long-term liabilities, and establish balance sheets and income expenditure statements to understand whether the whole family's emergency reserve funds are adequate, whether the risk coverage is comprehensive, and whether the asset portfolio needs to be optimized and adjusted."

Wang Xiaojun introduced.

Second, look at the financing plan.

Combined with the market environment, personal goals and risk tolerance, career changes and other factors to make financial tools selection and elimination.

Wang Xiaojun believes that the change of life at different stages will cause the shift of financial center's focus.

"For example, the change from single to family formation, from family formation to nesting period and the change of children's birth, from family formation to family maturity and changes in children's independence, as well as retirement and enjoying changes in the family, there are different financial portfolios of guarding, defending, attacking and fighting."

Finally, as a necessary measure for wealth protection, financial health examination will not only enable investors to understand the investment situation of a year, but also help investors adjust their asset structure in a timely manner, conduct process control, and achieve the goal of financial planning at an early date.

At the same time, Wang Xiaojun also suggested that in the face of complex financial varieties and complicated market environment, most people can find an expert to help to examine the financial plan and let professional people do professional work.