beginner's finance management
2024-11-07 13:57:40 0 Report
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This mind map serves as a comprehensive guide to 'Beginner's Finance Management,' offering an insightful overview of essential concepts for managing personal finances effectively. It delves into the intricacies of the business cycle, highlighting GDP components and investment strategies during different economic phases. The map provides tools for determining economic stages, exploring investment styles like value and growth investing, and understanding financial tools such as hedging and leverage. Additionally, it covers credit card finance, Internet finance, and hiring financial managers. The map also examines various financial products, funds, and real estate or business investment opportunities, ensuring a well-rounded approach to finance management.
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Outline/Content
Things You Need to Know When Managing Your Own Finances
Business Cycle
The composition of GDP: household consumption, investment, government spending, and net trade income.
Taking inflation into account, real GDP is equal to nominal GDP divided by the average price index.
Recovery period: Buy stocks at the bottom, especially daily consumer enterprises; Buy land and buildings, open coffee shops or clothing stores
Uptrend: Stock trading
The expiration date: sell the house, sell stocks, lend money
Declining phase: Focus on investing in bonds
Bottoming out: Buy stocks
How to determine the stage of the economic cycle
Real GDP growth
PMI (Purchasing Managers' Index): The origin is 50, official PMI and HSBC PMI; lagging indicators, used to confirm the previous judgment of the economic stage.
Core CPI: Remove the factors of food and energy from the CPI index
The unemployment rate: Judged and confirmed by the PMI index.
Foreign exchange rate:
Deposit interest rate: the central bank stipulates the benchmark deposit interest rate and floating range; tighten the money supply.
Stock Index: Composite, Component, Sector, Style (High Growth, Value, Overbought)
Investment style
Value Investing
Growth investment
Technical analysis investment: moving average analysis, K-line analysis, etc.
Behavioral Psychological Investment: Investment Behaviorology
Financial tools
Hedging
Medium risk: Set stop-loss and take-profit points
High risk: Stock derivatives include stock options, stock index futures, and margin trading; short selling and securities lending; stock index futures and margin, forced liquidation
Credit Card Finance and Leverage Finance
Capital leverage (such as margin trading related to stocks, futures, and foreign exchange), financial leverage (such as borrowing)
Financing channels
Stock margin financing: 3 to 5 times the margin
Margin trading and securities lending business
Credit loans and mortgage loans
50% to 70% for capital preservation, no more than 20% for stocks and precious metals, no more than 10% for high-risk, 10% to 20% cash or money market funds.
Internet Finance
P2P
The 327 Treasury Bond Futures Incident and the Regulatory Strength of Internet Finance
Payment Methods: Lump sum, Installments (Principal first, Interest first, Equal principal and interest, Interest first and principal last)
P2P Guarantee Methods: Third-party Guarantee, Establishment of Risk Reserve Fund, and Cooperation with Insurance Companies (Credit Insurance with Minimum Risk)
Big Data and Finance: Suitable Financial Methods for You, Online Credit Statistics, Cash Management
Hire someone to manage your finances.
Evaluating a financial product: attack power (profitability), defense power (safety), style, mobility (investment cycle), power exertion (stability), troop size (capacity), battle record (past history), and command ability (operators).
How to choose financial products
Know the enemy: The goal of ordinary investors is to beat CPI.
Confidant: Risk, current cash pressure, medium- and long-term cash needs
Conservative investment
Precious metals, foreign exchange, money market funds, microloans, insurance, corporate bonds
Structured: Money market funds + corporate bonds > stocks + precious metals + foreign exchange, etc.
The subprime crisis: the safety of high-quality bonds and the profitability of subprime loans constitute structured investment.
Guaranteed principal and interest type: The product brochure clearly states the interest portion.
Capital Preservation Floating Income Type: "Wave Operation" of Gold Investment; The product brochure specifies the income range
Non-principal-protected
Collective Finance: In addition to purchasing risk-free assets, securities companies can use about 20% of their funds to purchase stocks, corporate convertible bonds, and index funds; there are a few "settlement window periods" every month.
New share funds: offline subscription and online subscription
QDII Funds: Real Estate, Index, Mature Markets, Global, Asia-Pacific, Bond Markets, Emerging Markets, Commodities, Resources
Fund
Revenue sources: stocks, bonds, currency, overseas investment; there are "one falls and the other rises" opportunities in the stock market and bond market.
Buy institution's own products rather than agency products
Online Purchase
ETF (Exchange Traded Fund): All funds are used to buy stocks based on stock indexes.
Comprehensive Index: Shanghai Stock Index, A-share Index, B-share Index, Industrial Index, Commercial Index, Real Estate Index, Public Utilities Index, GEM Index, SME Board Index
Component Index: CSI 300, SSE 180, SSE 50, SZSE 100,
Industry Index: Shanghai Energy, Shanghai Industry, Shanghai Consumption
Theme Index: Dividend Index, Central Enterprise Index
Style Index: 180 Growth, 180 Value
Main ETF Fund
Pegged to the Growth Enterprise Market Index
E Fund ChiNext Board ETF
Guotai SME Board 300, Huaxia SME Board ETF, Guangfa SME Board 300
Guotai Shanghai Stock Exchange 180 Gold
LOF Fund (Listed Open-Ended Fund): It can also be purchased offline; It is not only linked to stock indexes, but also to the stock pool established by the fund manager, with a quote once a day.
Money market fund
Bonds issued by enterprises and governments, short-term loans, and interbank deposits.
When the deposit interest rate rises or the reserve requirement ratio rises, the national monetary policy tightens, and the yield of money market funds rises.
The two major indicators for judging a country's monetary policy: deposit interest rates and reserve requirement ratios.
Buy a house or start a business
The indicators of comprehensive financial management: yield, risk, investment cycle, leverage of funds, liquidity, impact of cash flow, financial knowledge.
Indirect investment
Direct investment: real estate, art, venture capital
Entrepreneurship operation: Smile curve (the order of adding value to the store is R&D, brand building, marketing and sales, manufacturing, distribution channels
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