White-collar finance can't rely on savings months spent one thousand yuan can accumulate millions

"Financing is a rich man's things, I'm a office worker." Talking about financial management, the thought of bank accounts poor 4 digits, LinXin some doubts. Work two years, she has been happy to when "moonlight princess", but many of my friends around all through the stock, fund to earn enough to buy a house in head, and started to buy a house and flee, she just suddenly realized that he had no financial management is how of mistakes.

Not only expect savings to become rich

"For men with 'tough', but I need money, the money went to the bank to run the sniper, decent clothes didn't also a few, but for several years but have not save much money."

Relevant is 25 years old, at present monthly pay 2100 yuan, is planning to get married in 2 years to buy a house. To work for three years, tighten everywhere, but also to fewer than 40000 savings from head to also sent 100000 shorthanded, whenever I hear housing prices, he often are.

Finance FengTingTing division, said that while saving is the first step of financial management, but if only expect to get rich savings, it is very difficult. If want to double the principal of 100000, according to current interest rates, and it need for more than 20 years, and this time obviously very long, want to have quite perseverance.

Over 1000 yuan is expected to accumulate on millions

Compounding allows you to deposit geometry class growth, but with a view to an office worker savings is limited, the relatively good investment means has fund to be cast surely, 0 put whole take, etc.


If a 25-year-old young people, at present month income 3000 yuan. If he can stick to the investment of 1000 yuan a month, also in accordance with 10% % of the interest rate, six years later he can have 98000 yuan. Less than 50 years old, he can become a millionaire.

Deposit also have skills

Financial planers YeGang says even if is deposit, also have skills, for example, can choose one or more money market fund to a regular savings.

Money funds now generally higher than the yield on the 6-month bank deposit after-tax interest income, but the access the convenience degree of the equivalent to current, investors at call, do not affect income.

Office worker investment steps

YeGang said, an office worker in financial investment should also follow certain order. He thought, an office worker should first buy insurance, while young buy insurance, not only premium cheap, also let you have a basic guarantee. On the basis of a certain security, can get money out do investment.

YeGang said, an office worker income is not high, should be properly to control his desire to a minimum, he thinks that can charge to get clear all expenses status, and understand what consumption is can save down, thus to spend money in the veins on, not useless consumption.