The youth belongs to generation of starting a business, how at 30 before the year old can possibly accumulate wealth is the dream of many young men, we will make analysis through John’s case.
John, 24 years old, single, temporary take no account of matrimony in the near future. After finishing university, get into a government agency work, basic monthly salary is about 2000 dollars. Live together with parents currently, hand over to the parents 1000 dollars living expenses monthly, without other liabilities, but still need to pay a phone bill, study fee, buy clothes monthly, recreation etc.. Already didn't have much surplus, basically belong to so-called” moonlight clan".
Several years ago the parents deposited the 100,000 dollars savings into his name, had been saving for the bank periodically don't carry on other investments. Plus to work and study a graduate student course class in the evening in the daytime, basically have no too mush time to carry on an investment and finance. Plan after studies be over going to work in the organization and cooperating with others or hiring a person to open a monopoly store and mainly sell lad Yes' wear. If have the suitable capital, the operation path can also do other investments to make the funds increased in value.
Reckon current basic income to various additional incomes according to the general circumstance, it is about 30,000, the daily life consumption supposes to 2.20,000, the actual funds backlog is 8000 dollars/year. Present property is 100,000 dollars bank deposit; there is no property or investment of other forms. Although the aftereffect is obvious in shortage with owning certain savings foundation capital to increase naturally, the backlog of the funds contains weak ability everyday, total up belong to the original backlog stage of personal finance managing. Actively try efforts to increase investment and finance ability.
The youth period should study with aggressive mindset and control various investment tools, can involve realms, such as industry investment and capital operation...etc... But when entering a stage, involving investment realm should not be too extensive should not completely depend on yourself. Therefore, suggest to divide two stages to carry on, from low portfolio commence, according to savings, the bond, fund have the proportion of 40,000 dollars, 30,000 dollars and 30,000 dollars to carry on a combination operation respectively. Then transfer to various risk species to combine together gradually again. At original basis increase industry of the gradual increment stock, investment type of foundation etc. the risk high investment item.
Do what the strength allows to purchase business insurance.
The government agency staff member generally has already had currently perfectly retirement, unemployed with medical treatment etc. of social guarantee. Because the existing income level is low and hard to pay expensive business insurance, in principle is with little is proper, and practice a dynamic management and pay an insurance fee limit annually about 1000-1500 dollars. If need to increase input to obtain larger guarantee or investment repay, can raise along with the income level, the family structure variety and age of growth etc. factor, then consider increase insurance species and pay fee limit.
Pay attention to promote oneself value.
Personal finance managing has a very strong age stage. From the whole life to see, 20-30 years old of the age stage have potential to increase. Consequently should put the point of concern in continuing to study for higher degree, changing role, raising layer, gradually promote ego value and investment ability, raise salary level and investment income thus.
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