Investment and financial management of the Trilogy
Investment proposition of each person’s life, how to get rid of financial non-free? Recently, in a commercial bank financial forum, president of Tsinghua University School of Continuing Education Classes Real Estate Professor, real estate planning experts, ZENG Xian-bin-known that: should find a place where water wells and hit the deeper water, the more . Investment required to played the trilogy.
The first step: Recovery of money
Xian-Bin Zeng explained, “people chasing money” is divided into chasing a little money and a lot of money. The way to recover a little money wage, overtime work an extra few savings and some gray income. But the market is ripe, if these means do not upgrade, can not be achieved financial freedom. Corresponds to the way big money, including patented technologies, such as Hong Kong, Mr. Liu did know by catching the big money big projects, or with the government engaged in monopolistic business franchise. For most ordinary people, the most practical way is to be the place to find a water well drilling. Xian-Bin Zeng explained that “drilling” is that everyone should focus on all the wisdom and ability to find those that best suit their wells. Xian-Bin Zeng said that to distinguish where there is water, where no water. Any one industry has a small profits to small profit from the huge profits to zero profits to the process, we must choose a sunrise industry profits.
Step two: money chasing money
This phase is to use spare cash, use the assets acquired with money. Most ordinary people with financial means that the deposit banks, is also a “money chasing money”, but low income returns. May even be subsidizing, as prices rose, inflation, deposit on the 100 because of inflation may become quite 98 per person, 95 yuan. This stage, to find a way to beat inflation, financial management. “I want my money beat inflation.” ZENG Xian-bin that barely beat inflation, national debt calculation. The stock market can best beat inflation, the Shanghai index from the initial 100 points to 6000 points, an average annual rise of 20%, far above the inflation rate. Small investors, just as long as Outperform, you can beat inflation. Ownership from the beginning in 2006 of 1,000 points, even if you fell down the hold, and has been held to the present, when the Shanghai index is 3 times. The securities industry is that everyone has the opportunity to place wells can continue to play until the process to become an expert. Here, the non-gold key-born people have equal opportunities. He stressed that the money must be rolling, have the money to buy funds, buying stocks, doubling possible.
Step three: money chasing people
Successful investors such as Li Ka-shing, often a “money chase” and the state. The ordinary people can do just money materialized, that purchasing the property, such as buying shops, buy homes, for rent, it added value. Example, he himself, talking about “should at each stage under different time focus to do different things, do in the portfolio rationalization.” In his view, the stock market, after all, a greater risk. For example, the Shanghai index to 6,000 points, stocks, real estate while the inflection point, investors bought 6,000 shares and buy real estate when the results are different, irrational stock market down, a crash to 1600 points, while the real estate only or a 10 % to 20%, determine the characteristics of fixed assets is unlikely to decrease non-rational.
Rates for the future, he thinks will move up. Because there are five factors that determine housing prices: the economy is not growing; people’s income is not growing; China’s urbanization process accelerated; long-term appreciation of the RMB; China’s brand value is showing. Of course, he stressed that the process of investment and financial management has established three steps can also be interleaved. Have less money to set up money, and then look for specific wells, drilling the more specialized, higher value.
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