应急账户
10%日常开销，应急账户要点：短期消费、安全性好、流动性高工具：货币基金，国债逆回购消费自由度：手上现金并不是越多越好规划方案：1.3-6个月的日常生活费2.纳入应急账户管理，主要是用于比如：突如其来的红包炸弹或者职业转换的过冬费3.对于资金的流动性和安全性要求也是比较高4.日常消费用信用卡。不建议套现和分期，利率太高。
防守账户
20%保命的钱，防守账户要点：疾病和意外保障，解决突发重大开支工具：意外和重疾险财富安全：账户守护神，必须建立。
保险犹如一个保障机制，可以帮我们转移生活中那些可能碰到的极端风险，使得家庭在发生重大事件时，可以给到我们经济上的帮助和支持，不至于影响正常生活。
保值账户
40%保本升值的钱，长期收益账户要点：流动性中，安全性高，收益跑赢通货膨胀，收益稳定工具：理财险；养老金和教育金；国债财富自由：滚雪球、坡越长越好，越早越好。保值账户，一般用作稳健投资追求稳稳的幸福比如教育金和养老金因为这类产品要的就是未来某个时间段有确定确定的钱在那可以用推荐：年金保险，国债，企业债券，分级A基金，债券基金，银行理财产品。
增值账户
30%生钱的钱，增值账户要点：投资不等于理财，高风险、高收益、流动性好。工具：基金/股票/信托/房产/外汇/收藏品财富独立：考验能力和人性，控制比例。
有些人眼里的天使也是有些人眼里的恶魔
基金、黄金、原油、股票、期货、信托、数字货币以及我们最熟悉的商铺和房产。
由于其他选项要求很高的专业性与投资技巧，主要推荐指数基金定投，也就是所谓的懒人基金投资法。
基金定投的好处在于省时省力，它不需要我们去盯盘，也无需研究深奥的技术指标，只要设置好日期和金额就可以了。当然这种方法收益会比较有限，如果想要让收益更大化，需要结合一些基本的投资方法。
推荐阅读
文章的最后，推荐以下这些理财书籍，它们可以帮你树立理财思维，少走弯路，更早地实现财富自由。
财商入门
《小狗钱钱》《管道的故事》《管道的故事》《穷爸爸富爸爸》《邻家的百万富翁》
财富思维
《财富自由之路》《有钱人和你想的不一样》《财务自由之路》
理财实操
《力哥说理财系列》《指数基金投资指南》
%3Chowto_content%3E[{"type":"paragraph","attrs":{"is_abstract":true},"children":[{"type":"text","text":"俗话说：你不理财，财不理你。成功的理财可以让你的资产翻倍，失败的理财却可能让你钱袋空空。富人之所以为富人,这与其重视更新观念、重视理财是分不开的。因此,要想让自己的财富实现升值,就必须学会理财。要想学会理财，首先要了解理财的一些基本原理和逻辑。","id":""}],"text":"","id":"doxcnCIAOGuMUYMwIyQX13T865g"},{"type":"heading","attrs":{"level":2},"children":[{"type":"text","text":"理财原理","id":""}],"text":"","id":"doxcnIA0qikK68o0kea9hICbkAh"},{"type":"paragraph","children":[{"type":"text","text":"理财的基本原理和逻辑有很多，总结起来，主要有复利原理、风险原理、开源原理和合适原理。","id":""}],"text":"","id":"doxcnmM8m6KqCcKG2wnjdzz7ENd"},{"type":"heading","attrs":{"level":3},"children":[{"type":"text","text":"复利原理","id":""}],"text":"","id":"doxcnAkGOYia0oA6Q0zB1njJtRF"},{"type":"paragraph","children":[{"type":"text","text":"先来看一个问题：什么才是真正的","id":""},{"type":"text","text":"高回报","id":""},{"type":"text","text":"？假如下面有两个投资经理，你认为谁的表现更好？","id":""}],"text":"","id":"doxcnyqkOKS8WQqE4ULo0eR6lJc"},{"type":"paragraph","children":[{"type":"text","text":"一眼看上去，A的业绩好，经常翻一番，很能吸引眼球；而B的回报率很多老股民有的年份也能做到，看平均回报也验证了咱们直观的判断。但是实际的投资回报，哪个投资经理更高呢？假设你每人投了100万，2年之后的总回报多少呢？","id":""}],"text":"","id":"doxcnKEyoqae6s8KGqKYIrQFwcf"},{"type":"paragraph","children":[{"type":"text","text":"投资经理A：第一年他的业绩翻一倍，变成200万，但是第二年又赔了一半，等于你两年之后又回到了原点100万，相当于白玩。","id":""}],"text":"","id":"doxcnEygsyWwAaQuOCozKBHIk7K"},{"type":"paragraph","children":[{"type":"text","text":"投资经理B：简单算一下，一年以后是110万，2年之后是121万，两年帮你获得的收益率是21%，还是相当不错的。","id":""}],"text":"","id":"doxcnAU6kgyMc2cSw6Od73P3dbh"},{"type":"paragraph","children":[{"type":"text","text":"所以在真正的高回报里隐藏着很重要的两个原理：","id":""}],"text":"","id":"doxcnaWAcYsmc24ceeUEmohc3me"},{"type":"paragraph","children":[{"type":"text","marks":[{"type":"strong"}],"text":"1）不赔钱很重要","id":""}],"text":"","id":"doxcn62iQG8cSq8i4of55wD24Yg"},{"type":"paragraph","children":[{"type":"text","text":"为什么？还是一个简单的例子，比如100万的初始投资，如果你第一年亏损50%，第二年要达到多少才能回本？答案是100%。相当于你第一年赔了钱，本金就会减少，第二年要用更高的收益才能回本。","id":""}],"text":"","id":"doxcn2Ey2mcaukkw2En7E4E4zOf"},{"type":"paragraph","children":[{"type":"text","marks":[{"type":"strong"}],"text":"2）投资就是要撬动复利的力量","id":""}],"text":"","id":"doxcnA2gsGy8IusSE9LPmTE4yhY"},{"type":"paragraph","children":[{"type":"text","text":"复利现在已经是一个被经常滥用的鸡汤词汇了。它指的是","id":""},{"type":"text","text":"利滚利","id":""},{"type":"text","text":"，也就是第一年产生的利息会作为本金继续产生利息，巴菲特把它形象的称为滚雪球。","id":""}],"text":"","id":"doxcng8SImgcQuQ0wqCh7z6S9Kb"},{"type":"paragraph","children":[{"type":"text","marks":[{"type":"strong"}],"text":"前面那个简单的例子就可以告诉我们为什么很多人把复利称之为世界第八大奇迹。","id":""}],"text":"","id":"doxcno0W4igKAWOUI2R0i658frd"},{"type":"paragraph","children":[{"type":"text","text":"B投资经理每年能够稳定的给你获得10%的收益，2年可以赚到20%多，但是如果你不止是投资两年，而是10年，20年甚至50年呢？","id":""}],"text":"","id":"doxcn08MCGOsiy6gWEZotqmiflc"},{"type":"paragraph","children":[{"type":"text","text":"比如你现在25岁，咱们都没啥存款，也就拿出来10万。那么几十年之后，会变成多少呢？投资10年：26万，增长2.6倍；投资20年：67万，增长6.7倍。","id":""}],"text":"","id":"doxcn6Eqq8QkaMiYKaR8t39viUh"},{"type":"paragraph","children":[{"type":"text","text":"如果投资50年呢？这个数会让很多人想不到，不是几十万几百万，而是1174万。现在能拿出10万块的人很多，但是50年之后能拿出1000多万的人少之又少。","id":""}],"text":"","id":"doxcnQiyyKUEmyscKQ1SMzcwGlg"},{"type":"paragraph","children":[{"type":"text","marks":[{"type":"strong"}],"text":"所以投资最重要的是什么？是要撬动复利的力量。","id":""}],"text":"","id":"doxcnEMco4oWM2gOUENanTG61rd"},{"type":"heading","attrs":{"level":3},"children":[{"type":"text","text":"风险原理","id":""}],"text":"","id":"doxcnasmuoYm400seAFRnmJErjh"},{"type":"image","attrs":{"height":690,"note":[{"type":"text","text":"风险原理","id":""}],"url":"https://p3.douyinpic.com/large/tos-cn-i-qvj2lq49k0/7abb078acf1245a597599f2c841643e7","width":743},"text":"","id":"doxcn2s2IU00aK8wS8HxuiZwP2d"},{"type":"paragraph","children":[{"type":"text","text":"投资的不可能三角分别是——高收益率、可持续性、低风险性。","id":""}],"text":"","id":"doxcn240cooEEa8SmCK1RTLFNgh"},{"type":"paragraph","children":[{"type":"text","text":"这三者是不可兼得的，因为天下没有免费的午餐——要想获得高收益，必然要承担高风险，风险就是不确定性，比如股票有时候收益很高，有时候损失很大。","id":""}],"text":"","id":"doxcnYMgaSYUwQ4o0SK9QV9MkGe"},{"type":"paragraph","children":[{"type":"text","text":"高收益意味着高风险，很多时候，投资的","id":""},{"type":"text","text":"高收益","id":""},{"type":"text","text":"都是不可持续的，因为","id":""},{"type":"text","marks":[{"type":"strong"}],"text":"风险是不可避免的","id":""},{"type":"text","text":"。","id":""}],"text":"","id":"doxcnkeMuMyAKmIAOGyoxIMpIGg"},{"type":"paragraph","children":[{"type":"text","text":"哪个最重要？还是长期复利最重要，而构成长期复利最主要的两个因素是“可持续性”和“低风险性”，所以投资的重要特点在于它不是一个争先的游戏，这是一个可以持续至少二三十年的长跑。所以保持一个稳定的、低风险的回报坚持下去，做时间的朋友才能真正赚到钱。","id":""}],"text":"","id":"doxcnG22KOCmQ4GIWwl4XcdhNBb"},{"type":"paragraph","children":[{"type":"text","text":"世界上聪明人那么多为什么最终投资赚钱的很少？巴菲特一句话就说出了其中的关键：绝大多数人都不能忍受慢慢变富。","id":""}],"text":"","id":"doxcnoQKgWYwOoQGm2JiLCpFtfd"},{"type":"paragraph","children":[{"type":"text","text":"所以，如果你想要好好理财，就得把目光放得更长远一些。我们虽然无法规避风险，但是我们要将风险控制在可接受的范围，并且利用长时间的稳定投资赚钱，不只是在乎一时盈亏。","id":""}],"text":"","id":"doxcnoIoq8GMOcM4cS2eKJy97lh"},{"type":"heading","attrs":{"level":3},"children":[{"type":"text","text":"开源原理","id":""}],"text":"","id":"doxcn0aqcmQSScgA6O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text","text":"最简单的配置方案就是“100-年龄”来作为股票投资比例，因为越年轻，你承担风险的能力越强，因为你还有大把的时间，还有翻盘机会，漫长人生中总会遇上一次大","id":""},{"type":"text","text":"牛市","id":""},{"type":"text","text":"吧。","id":""}],"text":"","id":"doxcneWcesumYg0e2kVRsjBnTnd"},{"type":"paragraph","children":[{"type":"text","text":"比如你现在30，可以拿出总的收益性资产当中70%的比例投资股票。比如你总共100万，大概20%配置现金类的理财产品，满足流动性需求。假如你已经配置好了保险，剩下的80万全部都可以投收益性的资产，那么56万可以买股票或股票基金。","id":""}],"text":"","id":"doxcnAgmMeyKQggGgeaX5q5Ohge"},{"type":"paragraph","children":[{"type":"text","marks":[{"type":"strong"}],"text":"我建议小白拿出一点点资金投股票，就当学习了，不自己真金白银投资上去永远不会对市场有比较深的认识，剩下来的可以买基金。","id":""}],"text":"","id":"doxcnAsk2GqikEaM4rehrEtRBFC"},{"type":"paragraph","children":[{"type":"text","text":"但是我自己的经验来看，特别是从长期，主动型基金经理的业绩平均来看是赶不上大盘的，所以可以把50多万的资金当中大比例投资被动型的","id":""},{"type":"text","text":"指数基金。什么是指数基金？顾名思义就是以特定指数（如沪深300指数、标普500指数、","id":""},{"type":"text","text":"纳斯达克100指数","id":""},{"type":"text","text":"、日经225指数等）为标的指数，并以该指数的成份股为","id":""},{"type":"text","text":"投资对象","id":""},{"type":"text","text":"，通过购买该指数的全部或部分成份股构建","id":""},{"type":"text","text":"投资组合","id":""},{"type":"text","text":"，以追踪标的指数表现的","id":""},{"type":"text","text":"基金产品","id":""},{"type":"text","text":"。","id":""}],"text":"","id":"doxcnuEamAAuSY62W8NGUoWbdBg"},{"type":"paragraph","children":[{"type":"text","text":"那么指数基金怎么投呢？","id":""}],"text":"","id":"doxcn4IyYYk8q8I4wUpyTgYcEge"},{"type":"paragraph","children":[{"type":"text","marks":[{"type":"strong"}],"text":"一个是存量资金的投资，一个是定投","id":""},{"type":"text","text":"。","id":""}],"text":"","id":"doxcnU2u0M4OAU8cY2hI6SzCoth"},{"type":"paragraph","children":[{"type":"text","text":"定投就是一定周期投资一定金额，比如每月投1万，最大的好处是在市场波动时，可以摊薄成本，所以波动的市场最适合定投，A股就绝对适合。","id":""}],"text":"","id":"doxcnE6Og8SwKeEmeY1oUtg80Ld"},{"type":"paragraph","children":[{"type":"text","text":"同时定投就是每月（当然你可以选择每周、每个季度）自动给你扣款，其实也有点强制储蓄的意思，避免你乱花钱。","id":""}],"text":"","id":"doxcnIoIKyaa6GSYOSkgETaaSUf"},{"type":"paragraph","children":[{"type":"text","text":"但是如果你目前存量资金就很大，那也可以直接去配置一个指数的组合。","id":""}],"text":"","id":"doxcnMAcUmowgqUmoGqMW3PqRte"},{"type":"paragraph","children":[{"type":"text","text":"定投我比较推荐大家配置沪深300和中证500两个指数结合，这样相当于投了整个上证综指，因为它包含了大盘股和","id":""},{"type":"text","text":"中小盘股","id":""},{"type":"text","text":"。","id":""}],"text":"","id":"doxcn8WycWsM2gcg0jTDruo9ZFS"},{"type":"paragraph","children":[{"type":"text","text":"存量资金我推荐大家这样一个指数组合：沪深30020%+中证50020%+恒生指数20%+纳斯达克指数20%+黄金5%+债券15%，这也符合我前面给出的比例，大概股票占比60%-70%。","id":""}],"text":"","id":"doxcnYUQeaQSi0ioA2lg1UGMMqe"},{"type":"paragraph","children":[{"type":"text","text":"关于股票投资如果要进一步学习的话，推荐大家阅读《投资最重要的事》、《","id":""},{"type":"text","text":"周期","id":""},{"type":"text","text":"》，当然还要学习经济学和财务报表分析的知识。","id":""}],"text":"","id":"doxcnQysuMIYESMiQCrTxOKP4Ia"},{"type":"paragraph","children":[{"type":"text","text":"每天刷一下雪球，看看大家对于股票和热点的讨论。","id":""}],"text":"","id":"doxcnKUs8sG6UUg6qEFqJagMFMb"},{"type":"heading","attrs":{"level":3},"children":[{"type":"text","text":"债券","id":""}],"text":"","id":"doxcni0WGE242i824cVzXguoeWe"},{"type":"paragraph","children":[{"type":"text","text":"债券的类型主要是三类：国债、公司债和资产证券化的固收类产品（本质上有固定的利息所以也是债券）。","id":""}],"text":"","id":"doxcnoa4agKQ0EMe2EtFj974OGm"},{"type":"paragraph","children":[{"type":"text","text":"其中国债和少量的在交易所发行的债券咱们散户是可以直接买到的，但是大量的债券的类型我们都很难买到。","id":""}],"text":"","id":"doxcno20osI2AM8KCie8kRgTSoc"},{"type":"paragraph","children":[{"type":"text","marks":[{"type":"strong"}],"text":"所以我比较建议小白直接买主动管理的债券基金以及被动的ETF债券基金（主要投资一篮子债券跟踪某个指数的）。","id":""}],"text":"","id":"doxcn8WOKqyUgyksa0aj13aHiz9"},{"type":"paragraph","children":[{"type":"text","text":"对于","id":""},{"type":"text","text":"债基","id":""},{"type":"text","text":"来讲，不管是主动管理型的还是被动的其实收益率差别不太大，但是被动的ETF债券基金费用比较低，在收益不高的情况下，低费率也很重要，所以建议配置被动的ETF债券基金。债券最大的特点是安全性比较高，比较适合老年人和高净值人群。","id":""}],"text":"","id":"doxcno4GCquAymkoCklJc4jDu2c"},{"type":"paragraph","children":[{"type":"text","text":"因为高净值人群的特点是钱不贬值就行，1个亿就算存银行，每年3%收益也有300万利息，根本不用瞎折腾。所以对于存款还比较少的年轻人，债券配置比例不用太高，大概15%即可。","id":""}],"text":"","id":"doxcn2Y8oQSgOsqQ4wLtL9VWpMe"},{"type":"heading","attrs":{"level":3},"children":[{"type":"text","text":"其他投资产品","id":""}],"text":"","id":"doxcn8Cq848Y06KiMEFqKXRcxxf"},{"type":"paragraph","children":[{"type":"text","marks":[{"type":"strong"}],"text":"黄金和外汇","id":""}],"text":"","id":"doxcnsyIuSo4CceYQe0mpm5F1pc"},{"type":"paragraph","children":[{"type":"text","text":"受到国际经济形势的影响比较大，经常大起大落，需要极强的宏观经济和国际金融市场的敏锐度才可以，对于小白来讲很不适合，可以拿出一小部分作为对冲工具。","id":""}],"text":"","id":"doxcniqYqusOAQG4uOfL3rwIDFK"},{"type":"paragraph","children":[{"type":"text","text":"因为市场动荡的时候，大部分的股债表现都不好，但是盛世古董乱世黄金，黄金还是能对冲一部分损失的。","id":""}],"text":"","id":"doxcnyoesuaw6sKmMuultpg3QDd"},{"type":"paragraph","children":[{"type":"text","text":"投资黄金主要有三种方式：","id":""},{"type":"text","marks":[{"type":"strong"}],"text":"实物黄金、纸黄金和黄金ETF。","id":""}],"text":"","id":"doxcneo6iCm6uWOceAT0qThOsgh"},{"type":"paragraph","children":[{"type":"text","text":"在这里推荐大家投资纸黄金和黄金ETF，因为实物黄金成本比较高。","id":""}],"text":"","id":"doxcn4CU2e4SGky8MdKevgATenl"},{"type":"paragraph","children":[{"type":"text","text":"实物黄金就是直接买金条，但是买卖都需要手续费，而且卖出时还有一定的损耗费。","id":""}],"text":"","id":"doxcn284ecuSS0syey6bzi1clUh"},{"type":"paragraph","children":[{"type":"text","text":"纸黄金其实跟你直接买卖实物黄金是一样的，可以理解成就是黄金的所有权凭证，只不过它省掉了实物的检验、称重、储存的成本，所以交易成本更低。","id":""}],"text":"","id":"doxcnC0am0cmmOMEmGGKkgIGXXg"},{"type":"paragraph","children":[{"type":"text","text":"黄金ETF相当于就是以黄金作为基础资产的合约，所以收益和你直接投资黄金一样，成本也是比较低。但是黄金ETF有场内和场外的区别，个人投资者只能进行场内，只有投资机构才能场外投资。","id":""}],"text":"","id":"doxcni4WUUSCc6IeUclV22VwIWX"},{"type":"paragraph","children":[{"type":"text","text":"黄金ETF的运行原理为：由大型黄金生产商向基金公司","id":""},{"type":"text","text":"寄售实物黄金","id":""},{"type":"text","text":"，随后由基金公司以此实物黄金为依托，在","id":""},{"type":"text","text":"交易所","id":""},{"type":"text","text":"内公开发行","id":""},{"type":"text","text":"基金份额","id":""},{"type":"text","text":"，销售给各类投资者，商业银行分别担任基金托管行和实物保管行，投资者在基金","id":""},{"type":"text","text":"存续期间","id":""},{"type":"text","text":"内可以自由赎回。","id":""}],"text":"","id":"doxcnWmCCc64egAoOy2NTzRuuNf"},{"type":"paragraph","children":[{"type":"text","text":"黄金ETF在","id":""},{"type":"text","text":"证券交易所","id":""},{"type":"text","text":"上市，投资者可像买卖股票一样方便地交易黄金ETF。交易费用低廉是黄金ETF的一大优势。投资者购买黄金ETF可免去黄金的保管费、储藏费和","id":""},{"type":"text","text":"保险费","id":""},{"type":"text","text":"等费用，只需交纳通常约为0.3%至0.4%的管理费用，相较于其他","id":""},{"type":"text","text":"黄金投资","id":""},{"type":"text","text":"渠道平均2%至3%的费用，优势十分突出。","id":""}],"text":"","id":"doxcnGge2oaKmSoC0iLTZATvWhb"},{"type":"paragraph","children":[{"type":"text","text":"由于","id":""},{"type":"text","text":"黄金价格","id":""},{"type":"text","text":"较高，黄金ETF一般以1克作为一份","id":""},{"type":"text","text":"基金单位","id":""},{"type":"text","text":"，每份基金单位的","id":""},{"type":"text","text":"净资产","id":""},{"type":"text","text":"价格就是1克","id":""},{"type":"text","text":"现货黄金","id":""},{"type":"text","text":"价格减去应计的管理费用。其在证券市场的交易价格或二级市场价格以","id":""},{"type":"text","text":"每股净资产","id":""},{"type":"text","text":"价格为基准。","id":""}],"text":"","id":"doxcnkye2IEw2M8Ee4JFkk4ENrg"},{"type":"paragraph","children":[{"type":"text","marks":[{"type":"strong"}],"text":"期权期货等衍生品","id":""}],"text":"","id":"doxcnuyme66SkM2gE5XMOmykqwJ"},{"type":"paragraph","children":[{"type":"text","text":"没有一定","id":""},{"type":"text","text":"金融学","id":""},{"type":"text","text":"知识的小白不要去碰，因为期权期货这类产品最大的特点是两个：","id":""}],"text":"","id":"doxcnMAIWaEGeaGQWmKjsEr5D3u"},{"type":"paragraph","children":[{"type":"text","text":"一是有到期时间，也就是说它是长期投资的敌人，比如你是看好了茅台股票，其实你看的也没错，茅台长期收益率特别高，但是期货3个月就到期了，还没等到股价涨上去呢。","id":""}],"text":"","id":"doxcn6iKWCgkeCcAMia2yhXw54d"},{"type":"paragraph","children":[{"type":"text","text":"我们说普通人做投资关键就是要做时间的朋友，要有种树思维而不是伐树思维，但是有时间限制的投资就不是赚不到长期投资的钱，那就变成和赌博一样了，风险就特别高；","id":""}],"text":"","id":"doxcn6kKaYWMgS6aY6oIZnZ0JGg"},{"type":"paragraph","children":[{"type":"text","text":"二是衍生品相当于是运用了杠杆，比如原来你买股票跌个20%其实很正常，但是你加了杠杆之后，比如100块的股票，你自己只投了20块，其他都是借来的钱，一旦跌20%，对你来讲损失就达到了100%。所以杠杆会放大损失，普通投资人是承受不了的。","id":""}],"text":"","id":"doxcnUGgGKgQeo2soeS1Hde7uBd"},{"type":"paragraph","children":[{"type":"text","marks":[{"type":"strong"}],"text":"房地产","id":""}],"text":"","id":"doxcnkwIsWSCOwcg00iIMEUwGub"},{"type":"paragraph","children":[{"type":"text","text":"关于房地产是否还值得投资的话题都可以单独写一篇文章了，但是题主既然针对小白，小白突然拿出一大笔钱去投资房产，显然是不太理智的，那本篇文章就不多谈这一点。当然如果是土豪小白，我个人认为超一线和一线城市的好物业的房产还是非常值得买的。","id":""}],"text":"","id":"doxcn0GCIyOGs6mYkquO5oawDUg"},{"type":"heading","attrs":{"level":2},"children":[{"type":"text","text":"理财规划","id":""}],"text":"","id":"doxcnewCUoKmA2cQeuUdkL069xc"},{"type":"paragraph","children":[{"type":"text","text":"要知道任何一个金融产品都不是万能的，所以一定要做一个搭配组合，讲人话就是将资产在低风险如货币基金、","id":""},{"type":"text","text":"债券基金","id":""},{"type":"text","text":"、银行理财、国债、保险产品等低收益证券与高风险、高收益如股票、基金之间进行分配。","id":""}],"text":"","id":"doxcnK4mCea66mGCCAFBf3UPWLc"},{"type":"paragraph","children":[{"type":"text","text":"所以就是两者直接的对冲配置，从而达到风险和收益以及流动性的一个平衡点。","id":""}],"text":"","id":"doxcnoeQoiQe4saqQGsj1OabWOd"},{"type":"paragraph","children":[{"type":"text","text":"我们运用标准普尔家庭资产象限图，将资产分为四类，分别进行规划。","id":""}],"text":"","id":"doxcn84AcouW0sm4KE39M4PLlQb"},{"type":"paragraph","children":[{"type":"text","text":"","id":""}],"text":"","id":"doxcnOuImyuuS84aI0e9iv885bg"},{"type":"image","attrs":{"height":585,"note":[{"type":"text","text":"理财规划","id":""}],"url":"https://p3.douyinpic.com/large/tos-cn-i-qvj2lq49k0/66709d7c21ce4b2285bfdf54a4e802ec","width":1187},"text":"","id":"doxcnqaG44sQYUK6kQPQRSYReHd"},{"type":"paragraph","children":[{"type":"text","text":"在规划资产之前，学姐建议你们先给自己做一个","id":""},{"type":"text","text":"【财务分析】诊断","id":""},{"type":"text","text":"，可以直接用excel，或者像随手记、圈子账本、鲨鱼记账、柠檬云财务等手机app，对自己的财务状况进行整理。弄清楚哪些钱是必须要花的，哪些钱是可以省下来的，这样可以找出自己的一些消费盲区，避免多花很多“冤枉钱”。","id":""}],"text":"","id":"doxcnIsAWWIoAECyuS6zkgv5gYb"},{"type":"heading","attrs":{"level":3},"children":[{"type":"text","text":"应急账户","id":""}],"text":"","id":"doxcnCciKYEGssOQEkNdVGzgTle"},{"type":"paragraph","children":[{"type":"text","text":"10%日常开销，应急账户要点：短期消费、安全性好、流动性高工具：货币基金，国债逆回购消费自由度：手上现金并不是越多越好规划方案：1.3-6个月的日常生活费2.纳入应急账户管理，主要是用于比如：突如其来的红包炸弹或者职业转换的过冬费3.对于资金的流动性和安全性要求也是比较高4.日常消费用信用卡。不建议套现和分期，利率太高。","id":""}],"text":"","id":"doxcnQuGCka8wgCgUWY1JtYr3DX"},{"type":"heading","attrs":{"level":3},"children":[{"type":"text","text":"防守账户","id":""}],"text":"","id":"doxcn4WUOasmECkMAYR8Q5t1Oic"},{"type":"paragraph","children":[{"type":"text","text":"20%保命的钱，防守账户要点：疾病和意外保障，解决突发重大开支工具：意外和","id":""},{"type":"text","text":"重疾险","id":""},{"type":"text","text":"财富安全：账户守护神，必须建立。","id":""}],"text":"","id":"doxcngQqGUmOeMUuG8unTnRvgcc"},{"type":"paragraph","children":[{"type":"text","text":"保险犹如一个保障机制，可以帮我们转移生活中那些可能碰到的极端风险，使得家庭在发生重大事件时，可以给到我们经济上的帮助和支持，不至于影响正常生活。","id":""}],"text":"","id":"doxcnMgk4MIQOYeOSqK07zgR5zg"},{"type":"image","attrs":{"height":290,"note":[{"type":"text","text":"防守账户","id":""}],"url":"https://p3.douyinpic.com/large/tos-cn-i-qvj2lq49k0/cf0d6b2489df4c13b95f5faaa3fa9d25","width":658},"text":"","id":"doxcn8eGceyWsuEieUdEoHQiQTc"},{"type":"heading","attrs":{"level":3},"children":[{"type":"text","text":"保值账户","id":""}],"text":"","id":"doxcnKIs4AQcqEG426NS2Jxitpc"},{"type":"paragraph","children":[{"type":"text","text":"40%保本升值的钱，长期收益账户要点：流动性中，安全性高，收益跑赢通货膨胀，收益稳定工具：理财险；养老金和教育金；国债财富自由：滚雪球、坡越长越好，越早越好。保值账户，一般用作稳健投资追求稳稳的幸福比如教育金和养老金因为这类产品要的就是未来某个时间段有确定确定的钱在那可以用推荐：年金保险，国债，企业债券，分级A基金，债券基金，银行理财产品。","id":""}],"text":"","id":"doxcnco6ek62KsACoW0kGBBj8DB"},{"type":"heading","attrs":{"level":3},"children":[{"type":"text","text":"增值账户","id":""}],"text":"","id":"doxcnAKqegSs0Igwcm2A1Ka4Ked"},{"type":"paragraph","children":[{"type":"text","text":"30%生钱的钱，增值账户要点：投资不等于理财，高风险、高收益、流动性好。工具：基金/股票/信托/房产/外汇/收藏品财富独立：考验能力和人性，控制比例。","id":""}],"text":"","id":"doxcngkswECA4EqEeYxz3fuAZZg"},{"type":"paragraph","children":[{"type":"text","text":"有些人眼里的天使也是有些人眼里的恶魔","id":""}],"text":"","id":"doxcnSkcy8QIEc4CekFiX41Nv8b"},{"type":"paragraph","children":[{"type":"text","text":"基金、黄金、原油、股票、期货、信托、数字货币以及我们最熟悉的商铺和房产。","id":""}],"text":"","id":"doxcnEU82WI0WMmAacTWb66Ouwc"},{"type":"paragraph","children":[{"type":"text","text":"由于其他选项要求很高的专业性与投资技巧，主要推荐","id":""},{"type":"text","marks":[{"type":"strong"}],"text":"指数基金定投","id":""},{"type":"text","text":"，也就是所谓的懒人基金投资法。","id":""}],"text":"","id":"doxcnQeWmSsSWa8KSqgRVyls7ye"},{"type":"paragraph","children":[{"type":"text","text":"基金定投的好处在于省时省力，它不需要我们去盯盘，也无需研究深奥的技术指标，只要设置好日期和金额就可以了。当然这种方法收益会比较有限，如果想要让收益更大化，需要结合一些基本的投资方法。","id":""}],"text":"","id":"doxcnKEWkgEkuAYWcSaLKqWEwme"},{"type":"heading","attrs":{"level":2},"children":[{"type":"text","text":"推荐阅读","id":""}],"text":"","id":"doxcneOckKq6MgYcCq0YcF2PaTg"},{"type":"paragraph","children":[{"type":"text","text":"文章的最后，推荐以下这些理财书籍，它们可以帮你树立理财思维，少走弯路，更早地实现财富自由。","id":""}],"text":"","id":"doxcnEGgWEcQQwAkIglQtzFfHMh"},{"type":"paragraph","children":[{"type":"text","text":"财商入门","id":""}],"text":"","id":"doxcnwKMIaW00qi4QAnuZCOUpne"},{"type":"paragraph","children":[{"type":"text","text":"《小狗钱钱》《","id":""},{"type":"text","text":"管道的故事","id":""},{"type":"text","text":"》《管道的故事》《穷爸爸富爸爸》《邻家的百万富翁》","id":""}],"text":"","id":"doxcnQAYusKAI4kKoG4QVE30oyh"},{"type":"paragraph","children":[{"type":"text","text":"财富思维","id":""}],"text":"","id":"doxcnmc6su8CcgO24QZ6YQbUArb"},{"type":"paragraph","children":[{"type":"text","text":"《","id":""},{"type":"text","text":"财富自由之路","id":""},{"type":"text","text":"》《有钱人和你想的不一样》《","id":""},{"type":"text","text":"财务自由之路","id":""},{"type":"text","text":"》","id":""}],"text":"","id":"doxcnCWSgcA0g4MUwCgn95kvBmb"},{"type":"paragraph","children":[{"type":"text","text":"理财实操","id":""}],"text":"","id":"doxcncuUMO6W2As2UoHZaSnuQsd"},{"type":"paragraph","children":[{"type":"text","text":"《","id":""},{"type":"text","text":"力哥说理财系列","id":""},{"type":"text","text":"》《指数基金投资指南》","id":""}],"text":"","id":"doxcncGA24cakSy8GCMod0hrcSh"},{"type":"paragraph","children":[{"type":"text","text":"","id":""}],"text":"","id":"doxcneQuywC4k4CQ0qIDNxVZ76e"}]%3C%2Fhowto_content%3E
财商需要我们有哪些知识
一、节约与消费理财
1、其实每一个上班族、自由职业者都可以通过改变而成为有钱人，只要遵循一些致富的习惯，就可以实现存款百万千万，其中是节俭和适当地理财。
有些人在买车时，通常考虑性价比最高的二手车，而不是为了装门面花大价钱买豪华汽车装酷，剩下的那部分钱他们可以分布理财投资，让钱生钱。聪明的人都知道车毕竟是消耗品！
2、财富积累都是靠理性投资理财和有计划地消费和开支得来的，他们愿意花时间和精力去研究如何让自己的财富增长，而不是像穷人一样总是心血来潮地消费、投资，让自己陷入泥潭当中。
不过在现实生活中像借钱买房，你为了首付还欠银行一屁股债，每个月的工资还房贷付利息，还反被银行复利了几十年。
二、赚钱与规划理财
1、自律人，又懂得努力工作赚钱，不冲动消费且计划好各种投资，虽然不可能一夜暴富，却可以凭借自己的自律和坚持而积累了越来越多的财富。
2、其实一个人是否能够致富，除了有一部分看不见摸不着的运气成分之外，赚钱的技能是可以学习得到的，你始终要相信这一点。就如你想卖一样东西，没有一点点技巧是卖不出去的，而掌握技能的顶尖销售员却很轻易就卖出，他财富积累的速度自然比你更快。
3、当然增加理财的规划，是未来增加财富的重要途径。通过理财渠道所产生的收益，是你未来脱离上班工作，实现时间自由的最好的捷径。
三、资产与负债
1、资产是把钱放进你口袋的东西。负债是把钱从你口袋里取走的东西。
比如许多人就分不清资产和负债，以至于让自己背上沉重的债务负担却不知道问题出在哪。
2、富人之所以有钱，是因为他们懂得增加资产，减少支付和负债；而穷人之所以一贫如洗，是因为他们没有资产，或者增加收入的同时，也增加了支出和负债。
当然加强学习，宏观经济学、金融行为心理学、财务会计学、资产评估，学得越多越有利。宏观层面的利率、汇率，一级市场上的供需关系、二级市场上的价值与趋势、风险与收益，能建立起最基本的逻辑相关性，就算是财商知识的入门了
财商主要学什么
智力有智商、情感有情商、财务有财商。说到底就是掌握，财务与财富的基本规律，这样才好根据这些规律，为自己打造一个财务自由和富足的人生！建议去看《富爸爸穷爸爸》系列的书，前2本是基础！通过故事讲给你听，简明易懂！财商教育是普遍缺失的，学校里没有！可是我们人一生都在解决财务问题，所以财商对每个人又是那么的必要和重要！
