Capital will always return 1 RMB a day, 60 years later, up to 2 million

In financial markets, the most important reason for financial management is that capital will always return. Even if you used to fail a math score all the year round, or you were not sensitive to numbers, or even dizzy when you saw the Financial Statement-but if you were preparing to start your personal financial planning today, there is still a solution.

1.08 million RMB for 30 years

Don't work, don't eat, don't Financial Management always don't get hungry? My answer is "not necessarily ".

Here is a simple calculation: If a 30-year-old uncle has a zero-year-old child, from this time point until the 60-Year-Old retires, during the long 30 years, how much does it cost to meet the basic needs of a family?

In the family of three, each person needs to eat and spend a variety of expenses each day. 3000 yuan a month should be the most basic and about 1.08 million yuan, which is beyond doubt;

Buy a house, if the first payment is 0.2 million yuan, total 0.8 million yuan;

If you want to buy a car, you have to purchase at least two cars from the age of 30 to before retirement. The cost is 0.3 million yuan. In addition, the annual vehicle maintenance insurance, gasoline and other costs, totaling 0.7 million yuan;

Raise another child, not including studying abroad in the future. from birth till graduation from university, the minimum cost is 0.4 million yuan according to the standards of Beijing and Shanghai;

This is about 3 million yuan. We also need to support our parents. We are four old people together ...... Currently, the industry-recognized number is RMB 4.8 million. If you only rely on your monthly salary, the current monthly household income of 10 thousand yuan should not be very low, if you earn enough 4.8 million yuan, just 30 years. What about life after the age of 60?

This is the significance of financial management. If you do not make good financial planning, not only will one day your wealth abandon you, but you will not be able to meet or implement the most basic living conditions.

Save 1 RMB per day

Even if you used to fail a math score all the year round, or you were not sensitive to numbers, or even dizzy when you saw the Financial Statement-but if you were preparing to start your personal financial planning today, I still have a solution: 1 yuan a day.

If you save 1 RMB a day, you can still make amazing financial achievements if you don't believe someone can do it. Assume that the annual rate of return is 10%. If a zero-year-old child saves him 1 yuan a day, he will be there forever, or he will buy some good fund products. If the rate of return reaches 10% per year, calculate that after the age of 60, the money can be changed to 2 million yuan when he needs to retire for elder care.

In fact, many people know this financial rule. If the rate of return is 4%, your assets will double in 18 years. That is to say, at the age of 29, 0.1 million yuan will become 0.4 million yuan by the age of 47; if the rate of return can be increased to 12%, 6 years, the funds in your hands will double. However, there is a premise: First, you need to ensure this benefit every year; second, you cannot use this fund any year in the middle.

Some time ago, I always heard that someone has even sold his house and put all his assets under pressure to make an investment-this is the most undesirable. This is because you cannot guarantee that the money will not be used for a long time. However, if you make an effective plan, you can achieve it with reasonable funds.