Office workers are a relatively large group of people in the society. It is relatively easy for office workers to build a reasonable salary increase fixed investment plan for themselves and achieve financial freedom if they can reasonably manage their finances. Here is a brief introduction to how office workers can build a salary increase fixed investment plan for themselves.
The capital feature of young office workers is that they don't have much savings, but they can gradually increase their salary income through their hard work in the future. How to manage these salaries will affect how much wealth they can achieve in the future. Here we should emphasize one point: for young people, working hard is the best way to increase their assets, not investment. It is not difficult for young people who have just started to work to increase their wages by two or three times after several years of work, but it is unrealistic to increase their assets by two or three times through investment. Therefore, the most important thing for young people is to work hard. Whether they are working or starting a business, it is the most critical to increase their income by career. But how can we maintain the value of the salary already obtained?
Three principles for office workers to invest:
1. Save even when you have little money, and save first. Don't think that less money means less investment. Small money can add up. We can invest the small money saved every month in the fund.
2. Distinguish between "want" and "must". We should establish a correct view of consumption, be clear about what we want and what we need, and spend our money on cutting edge.
3. The earlier the investment starts, the better. Investment is a compound interest game. In order to obtain higher returns, the earlier the better. Let the snowball roll bigger and bigger.
Life is like a snowball. The important thing is to find the wet and long snow track. We can quickly accumulate the first investment fund and put it into the high-yield index fund to make it appreciate faster. And as you work hard, your salary will also increase rapidly. The amount of fixed investment can increase with the increase of your salary. In this way, we can accumulate more assets.
We all know that young people are under great pressure and spend a lot of money. However, fixed investment index funds require that the funds cannot be moved for 3-5 years. Can we still start to invest? In fact, we still need to invest. We need to invest as early as possible. The earlier we start, the more we can enjoy the power of compound interest. The earlier we start, the more experience we can accumulate.
