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缩短家庭之间“19倍收入差”穷人如何“先飞”?
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Topic: 缩短家庭之间“19倍收入差”穷人如何“先飞”? (Read 274 times)
jsgayo
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缩短家庭之间“19倍收入差”穷人如何“先飞”?
May 16, 2015, 09:34:46 AM
#1
据国家卫生计生委发布的《2015年中国家庭发展报告》显示,中国家庭收入差距明显,前20%和后20%的家庭相差19倍左右。那么在这样的形势下,“穷人”如何实现“逆袭”?如何长远地缩小贫富差距呢?嘉丰瑞德理财师认为以下的几点非常重要。
1、王侯将相未必有“种”,但是改变绝非一朝一夕
我们不能自认命苦,但是也不能抱着一口气吃成胖子的心态去看待“逆袭”这件事。嘉丰瑞德理财师认为,每个阶层都可以通过努力起码再上一个到两个阶层,比如在底层的20%,通过奋斗可以至少到前面的40%去,但是盲目攀比是不切实际的,比如,如果父母是农民,那么经过努力至少你可能来到大城市,拥有大城市一份白领的工作以及户籍,嘉丰瑞德理财师J的农民爷爷奶奶就培养了四个大学生,来到了二线城市,而孙子孙女一辈的,则有的留在一线城市,有的出国了;如果一开始就想要大富大贵买玛莎拉蒂,那么这样的理想很容易夭折。也许有这样的幸运,但是不要抱这样的侥幸。再者,好好培养自己的儿女,他们是最大的投资,有时候我们未必非要自己这一辈拼个你死我活。
2、开源和节流一样重要
很多理财攻略过于强调“节流”的重要性,其实嘉丰瑞德理财师认为,如果收入过低,再怎么“节流”也是省不下来钱的。开源其实比节流更加重要,同样是结余40%,1000元就是400元,2000元就是800元。基数带来的变化显然比苛扣结余比例带来的变化大。所以,建议增加收入途径、增加技术含量,以期待“开”更多“源”带来的收入变化。
3、规避高风险理财产品
如果是刚工作的毕业生,或者是家里家徒四壁的外来打工者,理财师建议就不要炒股了,因为风险太大了,而且会分散你很多精力,有这些时间你倒不如多思考一下将来的规划,而不至于钻营于这种没有持续性的蝇头小利(除非你想将炒股作为职业方向)。可以配置一些像嘉丰瑞德-稳利精选基金这样的固定收益类理财产品,年化收益率在百分之八到百分之十四点四,虽然不多,但是可以稳稳地帮助个人实现资产的保值增值。还有一些高收益陷阱诈骗要格外注意,天上掉馅饼的事是不存在的,违背经济规律的收益是不存在的,无本万利也是不存在的。
4、学会记账,不养成陋习
学会记账是“节流”的一种形式,你要清楚知道自己的账目情况,才可以适时调整。老干妈陶华碧年轻的时候很苦,在成为企业家之后也没有忘记记账,总是清清楚楚地知道企业的经营状况,不上市、不圈钱、不欠钱,就靠着独门的辣酱打天下。老干妈的制胜法宝除了辣酱,就是她几十年如一日不变的对财富的掌控能力,她也是逆袭界的典范,值得我们所有人学习。
5、有目标、有计划,分步实施
如果你天赋异禀,那么你很可能能够完成三级跳。比如奥巴马,比如乔布斯,但是目标依然需要一步一步地完成,前期积累人脉和金钱,后期厚积而薄发。嘉丰瑞德理财师认为,20%&80%定理在人生中也是一样,前半辈子用80%的精力赚20%的钱,后期用20%的精力赚80%的钱,给自己设立好目标,不要轻易变动。一步一步日积月累,终成大器。
总之,梦想还是要有的,万一实现了呢?
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