極簡投資理財(cái)法則

目??錄第一篇?改變認(rèn)知第1章?培養(yǎng)財(cái)商：每月儲(chǔ)蓄1 000元也可以理財(cái)1.1?理財(cái)不是成功人士的特權(quán).................................................... 0031.1.1?草帽曲線：一輩子那么長又這么短.........................................003 1.1.2?努力拓寬財(cái)富蓄水池..................................................................0051.1.3?有多少錢可以開始理財(cái)..............................................................0071.2?不做“月光族”，從個(gè)人財(cái)務(wù)規(guī)劃開始............................... 0081.2.1?制定一個(gè)合理的理財(cái)目標(biāo)..........................................................008 1.2.2?明確收入，做簡單規(guī)劃..............................................................010 1.2.3?分析支出，優(yōu)化消費(fèi)習(xí)慣..........................................................011 1.2.4?制訂預(yù)算，培養(yǎng)消費(fèi)習(xí)慣..........................................................013 1.2.5?為自己設(shè)置開銷警戒線..............................................................014第2章?轉(zhuǎn)變思維：建立正確的理財(cái)觀念2.1?終極目標(biāo)：實(shí)現(xiàn)財(cái)富自由........................................................... 0172.1.1?財(cái)務(wù)自由與財(cái)富自由..................................................................017 2.1.2?儲(chǔ)蓄多少資產(chǎn)可以提前退休.....................................................0192.2?你的理財(cái)觀念正確嗎............................................................ 0212.2.1?理財(cái)與風(fēng)控息息相關(guān)..................................................................0212.2.2?理財(cái)≠無節(jié)制省錢......................................................................0232.2.3?在投資中，收益與風(fēng)險(xiǎn)并存.....................................................026 2.2.4?復(fù)利積累：開啟滾雪球模式.....................................................028第3章?財(cái)富管理意識(shí)：像成功人士那樣思考3.1?用正確的態(tài)度對(duì)待金錢........................................................ 0313.1.1?金錢雖然重要，但應(yīng)克服不良情緒.........................................031 3.1.2?善用銀行思維進(jìn)行風(fēng)險(xiǎn)轉(zhuǎn)移.....................................................0333.2?存錢與負(fù)債的區(qū)別................................................................ 0353.2.1?負(fù)債可以引發(fā)財(cái)務(wù)杠桿效應(yīng).....................................................035 3.2.2?博傻理論：讓資金流動(dòng)起來.....................................................036第4章?理財(cái)法則：資產(chǎn)配置與增值4.1?為什么要對(duì)資產(chǎn)進(jìn)行配置.................................................... 0394.1.1?平衡風(fēng)險(xiǎn)與收益..........................................................................039 4.1.2?將資產(chǎn)分類，理財(cái)更科學(xué)..........................................................0424.2?如何讓資產(chǎn)穩(wěn)步增值............................................................ 0444.2.1?根據(jù)需求期限安排資產(chǎn)..............................................................044 4.2.2?選擇合適的理財(cái)工具..................................................................045 4.2.3?通過分散投資降低風(fēng)險(xiǎn)..............................................................047第二篇?給要花的錢規(guī)劃方案第5章?要花的錢：用于支付基礎(chǔ)開銷5.1?擺脫“錢多但不夠花”的困境............................................ 0525.1.1?別讓過度精致和消費(fèi)自由影響生活.........................................052 5.1.2?克服措施恐懼癥，拒絕群體意識(shí).............................................053 5.1.3?培養(yǎng)儲(chǔ)蓄習(xí)慣，讓財(cái)產(chǎn)積少成多.............................................0555.2?你是不是經(jīng)常沖動(dòng)消費(fèi)........................................................ 0565.2.1?“雙十一”是省錢還是費(fèi)錢.....................................................056 5.2.2?警惕羊群效應(yīng)，不做后悔的“尾款人”.................................057 5.2.3?拒絕所有權(quán)依戀，控制購物欲望.............................................0595.3?如何應(yīng)對(duì)大額開支................................................................ 0605.3.1?合理規(guī)劃自己的資金池..............................................................060 5.3.2?必要時(shí)可以選擇分期付款..........................................................062第6章?儲(chǔ)蓄策略：打造專屬的財(cái)富力量6.1?通過儲(chǔ)蓄實(shí)現(xiàn)財(cái)富原始積累................................................ 0646.1.1?合理規(guī)劃儲(chǔ)蓄與支出行為..........................................................064 6.1.2?儲(chǔ)蓄方式大盤點(diǎn)..........................................................................066 6.1.3?如何進(jìn)行階梯式儲(chǔ)蓄..................................................................0686.2?銀行理財(cái)產(chǎn)品配置技巧........................................................ 0706.2.1?配置銀行理財(cái)產(chǎn)品的重要性.....................................................070 6.2.2?你適合銀行理財(cái)嗎......................................................................071 6.2.3?通過收益率審核銀行理財(cái)產(chǎn)品.................................................072 6.2.4?配置銀行理財(cái)產(chǎn)品的三大要素.................................................073第7章?借助信用卡實(shí)現(xiàn)合理消費(fèi)7.1?信用卡的三個(gè)核心特征........................................................ 0767.1.1?覆蓋面積廣，使用人數(shù)多..........................................................076 7.1.2?支持分期消費(fèi)與還款，有一定額度.........................................077 7.1.3?改善征信情況，降低貸款難度.................................................0787.2?信用卡優(yōu)惠攻略：學(xué)會(huì)“薅羊毛”................................... 0807.2.1?獲取超長免息期的方法..............................................................080 7.2.2?充分利用信用卡的所有權(quán)益.....................................................083第三篇?保命的錢的規(guī)劃方案第8章?保命的錢：留一部分錢應(yīng)對(duì)突發(fā)情況8.1?警惕家庭風(fēng)險(xiǎn)，拒絕一病返貧............................................ 0878.1.1?長壽時(shí)代，如何避免沒錢花.....................................................087 8.1.2?預(yù)防財(cái)產(chǎn)縮水是當(dāng)務(wù)之急..........................................................089 8.1.3?一病返貧的破解方法..................................................................0918.2?“抗擊打”能力是如何養(yǎng)成的............................................ 0938.2.1?為家庭預(yù)留足夠的備用金..........................................................093 8.2.2?確保總資產(chǎn)增長率穩(wěn)步提升.....................................................094第9章?打造保險(xiǎn)“盾牌”，防范風(fēng)險(xiǎn)9.1?關(guān)于保險(xiǎn)的五個(gè)誤區(qū)............................................................ 0979.1.1?保險(xiǎn)產(chǎn)品與投資產(chǎn)品是一回事.................................................097 9.1.2?先為老人和小孩配置保險(xiǎn)..........................................................098 9.1.3?忽視保費(fèi)與保額的關(guān)系..............................................................099 9.1.4?儲(chǔ)蓄和投資比保險(xiǎn)更重要..........................................................1019.2?兩類常見險(xiǎn)種的操作方法.................................................... 1029.2.1?壽險(xiǎn)的操作方法..........................................................................102 9.2.2?分紅險(xiǎn)的操作方法......................................................................1049.3?防范保險(xiǎn)風(fēng)險(xiǎn)的技巧............................................................ 1079.3.1?了解保險(xiǎn)合同及理賠流程，加速理賠.....................................108 9.3.2?警惕等待期，維護(hù)自身利益.....................................................109 9.3.3?定期為保單做體檢......................................................................110第四篇?生錢的錢的規(guī)劃方案第10章?生錢的錢：投資讓你獲取高額收益10.1?投資其實(shí)沒有那么難.......................................................... 11410.1.1?消除恐懼心理，及時(shí)止損........................................................114 10.1.2?理解風(fēng)險(xiǎn)和市場的波動(dòng)性........................................................116 10.1.3?克服錯(cuò)失恐懼癥，理性思考...................................................11610.2?警惕六大投資陷阱.............................................................. 11810.2.1?投資貴金屬一定不會(huì)出錯(cuò)........................................................118 10.2.2?理財(cái)一定要找專業(yè)人士............................................................119 10.2.3?只要做股市“勞?！本湍苜嶅X...............................................120 10.2.4?跟著其他投資者買股票............................................................122 10.2.5?采取“鴕鳥”策略以確保資金安全.......................................123 10.2.6?大量購入低價(jià)股票....................................................................124第11章?股票投資：掌握財(cái)富升值之道11.1?股票投資四個(gè)主要環(huán)節(jié)...................................................... 12611.1.1?開戶：選擇適合自己的開戶方式...........................................126 11.1.2?看盤：看盤步驟 + 盤感養(yǎng)成策略...........................................127 11.1.3?買入：選好進(jìn)股市的關(guān)鍵點(diǎn)...................................................129 11.1.4?賣出：掌握利弗莫爾市場操作法則.......................................13111.2?做股票投資，先搞懂K線圖................................................ 13311.2.1?K 線圖：開盤價(jià) + 最高價(jià) + 最低價(jià) + 收盤價(jià).......................13411.2.2?如何理解陰線與陽線................................................................135 11.2.3?弄清楚實(shí)體與上下影線............................................................135 11.2.4?成交量與 K 線的關(guān)系...............................................................13611.3?股票投資的風(fēng)險(xiǎn)管理措施.................................................. 13611.3.1?選擇適合自己的股票投資方法...............................................136 11.3.2?掌握股票解套策略....................................................................137 11.3.3?網(wǎng)絡(luò)炒股的注意事項(xiàng)................................................................139第五篇?保本的錢的規(guī)劃方案第12章?保本的錢：以安全性為前提12.1?保本的錢適合何種理財(cái)思維.............................................. 14312.1.1?重視本金，選擇保守型理財(cái)...................................................143 12.1.2?養(yǎng)老雖然重要，但不必過于糾結(jié)...........................................145 12.1.3?年齡在增長，投資比例也要變化...........................................146 12.1.4?單薪家庭的理財(cái)規(guī)劃. ..............................................................14712.2?錢不能只保本，還要跑贏通貨膨脹................................. 14912.2.1?投資回報(bào)率與通貨膨脹率........................................................149 12.2.2?兼顧錢生錢和物生錢................................................................151第13章?配置年金資產(chǎn)，打造現(xiàn)金流13.1?建立關(guān)于年金資產(chǎn)的正確理念......................................... 15513.1.1?初步認(rèn)知：年金是什么............................................................155 13.1.2?年金的四大類別........................................................................157 13.1.3?為什么要預(yù)備年金資產(chǎn)............................................................15813.2?年金資產(chǎn)應(yīng)該如何投.......................................................... 15913.2.1?年金投資方法論........................................................................159 13.2.2?常見年金產(chǎn)品配置思路............................................................16013.3?不可忽視的年金險(xiǎn).............................................................. 16313.3.1?年金險(xiǎn)讓“財(cái)有所?！?...........................................................163 13.3.2?如何購買合適的年金險(xiǎn)............................................................164 13.3.3?配置年金險(xiǎn)的誤區(qū)....................................................................166第14章?債券投資：安全的投資方式14.1?了解債券：掌握三個(gè)關(guān)鍵概念......................................... 16914.1.1?利率債與信用債........................................................................169 14.1.2?背書的定義與主要方式............................................................170 14.1.3?債券的品種與要素....................................................................17114.2?與債券投資息息相關(guān)的問題.............................................. 17314.2.1?債券有何風(fēng)險(xiǎn)............................................................................174 14.2.2?利率如何影響債券的價(jià)格........................................................175 14.2.3?剛性兌付有必要存在嗎............................................................17614.3?如做好債券投資.................................................................. 17714.3.1?掌握債券的購買方式和交易流程...........................................177 14.3.2?債券獲利的技巧........................................................................178第15章?基金投資：應(yīng)對(duì)市場波動(dòng)的“王牌”15.1?基金投資的三大優(yōu)勢.......................................................... 18115.1.1?門檻低，適用范圍廣................................................................182 15.1.2?有較強(qiáng)的流動(dòng)性，可以快速贖回...........................................182 15.1.3?產(chǎn)品多樣，利于投資者進(jìn)行組合配置...................................18315.2?五種基金，總有一種適合你.............................................. 18315.2.1?股票型基金................................................................................18415.2.2?指數(shù)型基金................................................................................184 15.2.3?混合型基金................................................................................185 15.2.4?債券型基金................................................................................186 15.2.5?貨幣基金....................................................................................18615.3?基金投資的技巧.................................................................. 18615.3.1?通過合適的方式買入基金........................................................186 15.3.2?掌握基金的交易原則................................................................188 15.3.3?申購與贖回基金的注意事項(xiàng)...................................................18915.4?選擇優(yōu)質(zhì)基金的三種方法.................................................. 18915.4.1?判斷基金的業(yè)績表現(xiàn)................................................................190 15.4.2?分析基金是否可以獲取超額收益...........................................192 15.4.3?衡量基金的抗風(fēng)險(xiǎn)能力............................................................192?