The biggest investment is itself

There are three kinds of people in this world: investors, shareholders, and ordinary people.

(a)

Yesterday, I saw an article that said that the biggest investment in life is myself. It is my career and I find a good spouse. Buying a house or something, actually is a section. That's right.

For most people, cheap jerseys, why is it difficult to make the biggest investment? In the last few days, I calculated that 100, 000, 10 percent a year in return, 20 years later, about 680,000. Imagine a college graduation, 20 years of work, the initial deposit of 100,000 yuan, through consecutive compound interest, the last 680,000 yuan, it is not easy to make people heart.

(2)

On the other hand, a man who has been working for 20 years is not too hard-working and lucky to be a middle-aged man. It's not too hard to make a salary of 200,000 to 300,000 a year. I have all around me. But not today.

One of my friends, in four counties, is a middle school teacher. Wages are not high, but he is very hard-working. After class, students often take small classes at home, and students often have to learn from the relationship. Husband and wife two, ten years down, an extra 200,000 a year will always have. Ten years down the line, $2 million outside wages is much higher than the previous 20 years. In the first two years, the couple also took the exam in second-tier cities and bought two suites in very expensive cities.

An acquaintance, no culture, an electrician. But the unit is more leisurely, each day the unit pitiful few things are done, run home, open a small selling department next to the home. On average, more than $5 million a year is made. Now I am retiring, and I also bought two apartments in the big city. It's a good day.

Therefore, cheap snapback hats, for ordinary people with little principal, it is better to invest in themselves than to invest.

(3)

Speculation may have a chance of getting rich and not having to bear the price. But the probability of profiteering is too low, only one hundred percent. I've talked to a friend of mine before, and his logic is that even with a 1 percent chance, China has a million opportunities to become rich. The absolute value is attractive. (think of the five blessings at the end of alipay); Another is that the media is often touting the very few who succeed. Of course, most people are also selective about their own success. (including me) because most people don't like the underdog stock market.

The statistics about most of the speculation are as follows (I posted this picture a few days ago), but this picture is not accurate because it doesn't count the 100 percent of the rich.

Invest, the biggest investment is yourself

(4)

If you don't have a certain amount of money, then the ideal way out is to do private equity. (this probability is less than opportunistic profiteering) such as buffett. I thought so a few years ago, and so is it. So the index fund becomes acceptable because index funds can release a lot of time and energy to do other things. Of course, when you are young, you will learn the method of price investment. After 20 years, you will have a certain amount of capital and your cognition will reach a certain level, so you can do it.

Ordinary people will have bigger problems in the future. They are too fond of property, too exclusive to the stock market, wholesale jerseys china, and too unfamiliar with products such as bonds. But these are small problems after all. It's ok to be careful to save about 4 percent a year. The core is still themselves, as long as they invest in themselves and invest in their families, the future will be beautiful.