投资与理财

　　投资与理财
　　首先，我们都知道财富不是省出来的，而是赚出来的。工作是赚钱的渠道之一，而在工作的同时我们也要有理财的理念，而理财又可以理解为投资。对个人来说，理财就是对钱财的筹集、运用和增值，目的在于以最低的成本筹集资金、以最大的效益运用资金、取得最大的收益。
　　First of all, we all know that wealth is not saved, but earned. Work is one of the channels for making money, and while working, we must also have the concept of financial management, and financial management can be understood as investment. For inpiduals, financial management is the raising, use, and appreciation of money. The purpose is to raise funds at the lowest cost, use funds with the greatest benefits, and obtain the greatest benefits.‍
　　而并不是所有具有投资理念的人都可以赚到钱，只有理性的投资者才能有收益。大多数投资者应当梳理稳健型投资理念，投资于那些最有投资价值的品种，稳稳地、轻松地使自己的资金迅速增加，而投机是少数风险爱好者去搏杀的事，投机者虽然偶尔也能赚大钱，有时比投资者赚得还多，但他们绝大多数是亏损的。
　　And not all people with investment ideas can make money, only rational investors can make money. Most investors should sort out the prudent investment philosophy, invest in those products with the most investment value, and steadily and easily increase their capital quickly. Speculation is something that a few risk enthusiasts fight for, although speculators occasionally They can also make a lot of money, sometimes more than investors make, but most of them lose money.‍
　　理财的正确理念应该是爱钱但是不做钱的奴隶，我们理财的最终目标应该是提高我们的生活品质，而不是一味地追求财富的多少。
　　The correct concept of financial management should be to love money but not to be a slave to money. The ultimate goal of our financial management should be to improve our quality of life, rather than blindly pursuing wealth.‍
　　综合了多位投资理财高手的方法，可以得出：我们需以文件的策略进行投资，确保自己的资金不受损失，可以不赚，但是尽量保证不亏损；其次是最好让自己的资金以中等的速度增长。既不能太快，也不能太慢；决定财富的是支出，而不是收入。
　　Combining the methods of multiple investment and financial management experts, we can conclude that we need to invest in documented strategies to ensure that our funds are not lost, and we can not earn, but try to ensure that we do not lose; secondly, it is best to make our own funds Moderate growth rate. Neither too fast nor too slow; it is expenditure, not income, that determines wealth.‍
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　　素材来源于《投资与理财》——第3版 电子工业出版社
　　图片来源于百度
　　翻译来源于谷歌翻译‍