Finance for "lazy people"

Take a few quizzes first:

Do you feel too busy with work and too little time to take care of your family assets?

Do you never keep detailed accounts of household income and expenses?

Do you keep most of your family's idle money in the bank?

Do you have so many bank accounts that some can't even remember how much money they have in them?

Was the last time you bought stocks (or funds, foreign exchange, etc.) several months (years) ago?

Have you ever swiped your credit card and forgot to pay it back on time?

If you are an investor, do you have no time to watch the market during working hours or are you not used to watching the market every day?

Are you not concerned about the latest wealth management products on the market, or do you know nothing about them? ...

If most of the answers you give are "yes", then congratulations, you are exactly the target of our group of articles _ financial "lazy person".

Typical characteristics of "lazy people" in financial management

Although the advertising slogan of this magazine "You don't manage your money, your money doesn't take care of you" has been deeply rooted in the hearts of the people, in real life, there are "lazy people" who have money and no time to spare. There are still many. In particular, some "white bone spirits" (white-collar workers + backbone + elites) with high incomes have almost exhausted their efforts for work, and can't help complaining "How can I have time to manage money?"

It doesn't take much imagination, we just Can describe the daily life of most "lazy people" in financial management_work from 9 to 5, exercise at night, socialize with friends, work overtime is a common meal, rarely have free time, and just want to lie in bed and watch TV Or sleep late. On weekends, I still need to clean up the room to accompany the elderly and children. I don’t even have time to cultivate my hobbies in life, let alone look at the stock market every day, or research the new financial products on the market. .

"There is time to make money, but no time to take care of it" has become a common problem of modern urbanites. A fund company launched a "lazy financial management" essay contest, and the response was surprisingly enthusiastic. Many people answered "financial management, it's good, but I don't have time."

"No time" Maybe it's just an excuse for being lazy about managing money. It seems that if you make money diligently, it seems harmless to be "lazy" in financial management, and there is nothing wrong with idle funds lying in the account. However, the important purpose of our hard work is to accumulate wealth. If the hard-earned wealth is not effectively managed, Allowing inflation to "erode" is another kind of disregard for one's own labor.

Because of being "lazy", many people are still accustomed to allowing their monthly wages to be put into their bank cards, swiping their cards when they buy things at most, and leaving the excess money at a poor interest rate for current savings. . Because of being "lazy", many people just swipe their credit cards and forget to repay in time, and they only screamed heartache after being levied a penalty of 5/10,000 per day by the bank; I don’t know how much money I make, but I only know how to cover it when I’m stuck, and even wait until I find out that my stock has been delisted before asking everywhere what to do; some “lazy people” have heard that the fund is an expert financial management, so Buying too much at one time is too concentrated, I don’t know how to spread the risk, and after losing money, I yell “experts are also stupid”-although everyone has their own “lazy” reasons and their own “lazy” performance, but because “ The loss of wealth, especially the opportunity cost, caused by laziness cannot be underestimated.

"Work for a long time" and smart financial management

In general, the income is always biased towards diligent investors, so, for the many "lazy people" in the society who have money and no time to spare, do they Have you lost the opportunity to make money by financial management?

Of course not. In fact, "lazy people" in financial management are becoming the target that various financial institutions are chasing after. For financial institutions, "lazy people" do not mean poor people. Their biggest feature is their low frequency of operation. They just don't like fast-forwarding, fast-exiting, or short-term investment. Therefore, according to their characteristics, if we design some "fool-type" financial products that are convenient and simple to operate, with little risk but slightly higher returns than savings, such market demand will be huge.

Considering the characteristics of "lazy people" in financial management, most of them do not have time to do a lot of research on the investment market because of their busy work, so they are not suitable for some highly technical investment products, such as foreign exchange market, futures market, etc. They prefer some wealth management products from banks because there is no need for frequent transfers of large amounts of funds; or they prefer relatively popular investment varieties such as stocks and funds, because they can appropriately take some risks and expect higher returns.

We have collected some wealth management products launched by financial institutions in the past few years and some innovative new ways of wealth management, screened them, and selected some smart "lazy tricks". We found that the core of these "lazy tricks" lies in one setting, which can achieve the purpose of multiple operations.

Such as savings. The most conservative financial "lazy people" often have a natural preference for savings accounts, but it is too "cheap" to let the funds settle at the interest rate of 0.72% for a long time. However, if you use the agreement to automatically transfer the deposit, you can get some more regular interest. If you use the two conveniences, you can realize the regular demand, which can not only ensure that the funds are needed at any time, but also enjoy the fixed deposit interest rate; it is a little more complicated. If you sign a fixed-income RMB wealth management agreement, you can double or triple your income through 1-day wealth management or 7-day wealth management, and the compound interest calculation income will increase; and if you are a bank's VIP wealth management Customers can also automatically purchase fund products that exceed the fixed amount, thereby achieving higher returns. So as long as you choose one of the "lazy tricks", it means that as long as certain set conditions are met, the bank will automatically perform multiple operations for you.

Similarly, all kinds of "lazy tricks" in the stock market are essentially set in advance to save you the trouble of keeping track of the market every day. The price you want, the system automatically helps you buy or sell. Fund operations are more convenient. The fund itself is the best way for "lazy people" to invest, and it will naturally save you a lot of worry if you leave it to an expert to manage your finances. Regular quota is the easiest way. After signing an agreement, you can automatically deduct money every month to ensure that you can enjoy the average income. In addition, some index funds, as long as the point is set well, such as the Shanghai Stock Exchange Index 1200 points to subscribe , redemption at 1300 points, the system can help you to operate automatically, the index goes up and down in a year, you only need to set it once but it is equivalent to operating many times, and it is especially suitable for band operation.

The rules that smart "lazy people" follow

The last thing I need to remind is that if you want to be a smart financial "lazy person", your body can be lazy, but your brain can't be too lazy, so a smart "lazy person" is still Three rules should be adhered to:

One of the rules: Use new tools to save money and expenses

At present, every bank provides a variety of electronic banking services such as telephone banking, online banking, and mobile banking. Every e-bank has powerful banking services. Online banking alone provides a wide range of services, such as automatic deposit transfer, self-service transfer of demand deposit, notice deposit, payment of utility fees, purchase of funds and bonds, and online payment. The so-called staying at home is to meet the special needs of this group of "lazy people" in the new era.

The second rule: Don't blindly pursue high returns

Many "lazy people" either have no plans for investment, and the money that was originally intended to be invested is temporarily used for other purposes, or they choose the right direction to invest in full , a one-time investment amplifies the risk. In fact, for this part of the population, do not blindly pursue high returns, the "average cost method" is the best "prescription". The use of "average cost method" to invest funds in stages can minimize investment costs and diversify investment risks, thereby improving the overall return on investment.

The third rule: Don't invest too much.

Indiscriminate selection, no planning is often "lazy" performance. Investing without a plan can only make your funds more disorderly. In the end, being lazy is too lazy to have enough, and money is too messy.

Therefore, according to your actual situation and expected future income, formulate a financial plan, and purchase stock funds, monetary funds, bank financial products and other varieties accordingly, and complement each other in the long, medium and short term. Such an investment portfolio can To achieve the wonderful effect of "one lazy wins a hundred hard work".