投资与理财八大理财原则

　　投资与理财
　　拥有投资和理财的观念是很好的，但是不能盲目地去购买各种理财产品、进行各种投资，在理财的过程中，掌握一下八大理财原则会让我们更加轻松：
　　It is good to have the concept of investment and financial management, but you cannot blindly buy various financial products and make various investments. In the process of financial management, mastering the eight financial management principles will make it easier for us:
　　一、量入为出
　　量入为出就是根据收入来确定支出的限额。在理财时我们一定要知道我们理财的目的是提高生活品质，而不是单纯的增加钱财。我们可以拿出存款的一定比例进行投资，而不是一个确定的数目。当手头较紧时，我们就少投入，当比较宽裕时可以多投入。‍
　　1. Live within your means
　　Living within your means is to determine expenditure limits based on income. When managing money, we must know that the purpose of our money management is to improve the quality of life, not simply increase money. We can invest a certain percentage of our deposits instead of a certain amount. When money is tight, we invest less, and when we have more money, we can invest more. ‍
　　二、经济效益
　　经济就是以最小的投入获得最大的产出。在进行任何理财活动时（不与其他原则冲突的前提下），我们都尽量要提高经济效益。
　　三、安全性原则
　　在进行理财活动时，我们最先考虑的肯定是自己资金的安全，秉持这安全性原则，我们选择投资时，一定要选择安全性更高的活动以保证资金安全。‍
　　2. Economic benefits
　　The economy is to get the maximum output with the smallest input. When conducting any financial management activities (provided that it does not conflict with other principles), we must try our best to improve economic efficiency.
　　3, security principles
　　When conducting financial activities, we must first consider the safety of our funds. Upholding this security principle, when we choose to invest, we must choose more secure activities to ensure the safety of funds. ‍
　　四、变现原则
　　不管我们进行任何投资活动，能让我们感到安心的肯定是收获成果，即使我们赚了很多，但是不能及时体现，就会影响到我们的日常生活。
　　五、因人制宜
　　进行投资活动之前我们一定要考虑每个人的个人风险承受能力。每个人的情况是不同的，特别是牵涉到钱财时。即使能够利用的资金数量相同，也不一定能做相同的选择。如果工作生活比较稳定，可以适当以较高的比例进行投资，但是当工作收入不太稳定时就一定要注意，要留一部分资金以备不时之需。‍
　　4, the principle of monetization
　　Regardless of our investment activities, what makes us feel at ease is definitely the results. Even if we make a lot of money, but can not reflect it in time, it will affect our daily life.
　　5, adapt to inpidual conditions
　　We must consider everyone＂s personal risk tolerance before investing. Everyone’s situation is different, especially when money is involved. Even if the amount of funds available is the same, the same choice may not be made. If your work and life are relatively stable, you can appropriately invest in a higher proportion, but you must pay attention when your work income is not stable, and you must reserve a portion of the funds for emergencies. ‍
　　六、终生理财
　　理财并不是一下子就能学会，也不是一下子就能见到成果的。它是一个长期的过程，因此在理财时就不能急功近利，否则会因为见不到明显的效果而轻易放弃。‍
　　6, end-of-life financial
　　Financial management is not something that you can learn all at once, nor can you see results all at once. It is a long-term process, so you can＂t rush for quick success when managing money, otherwise you will easily give up because you can＂t see obvious results. ‍
　　七、提高素质
　　理财也是需要学习的，不同的理财和投资方式需要不同的方法。只要我们能专注于一个方向，我们就能在这个方向上取得成功，最终提高我们的生活质量。这种提高素质并不是要看书本学习知识，而是让自己在不断地尝试中获得经验，找到自己的节奏；还有一个原因就是市场和经济环境是在不断变化的，只有不断地提高自己的素质才能让自己立于不败之地。
　　八、快乐理财
　　理财的最终目的是提高我们的生活质量，因此在理财的过程中，我们也要抱着合适的心态。它不能解我们的燃眉之急，只是一种收入的方式，不能因为对它抱有过高的期望而又比较大的压力。理财的过程应该是轻松快乐的，否则就与我们的初衷背道而驰。
　　7, improve quality
　　Financial management also needs to be learned, and different financial management and investment methods require different methods. As long as we can focus on one direction, we can succeed in this direction and ultimately improve our quality of life. This kind of improvement is not to learn knowledge by reading books, but to allow yourself to gain experience and find your own rhythm through continuous attempts; another reason is that the market and economic environment are constantly changing, and you can only continuously improve yourself. Quality can make oneself invincible.
　　8. Happy financial management
　　The ultimate goal of financial management is to improve our quality of life, so in the process of financial management, we must also hold an appropriate mentality. It can＂t solve our urgent needs, it is just a way of income, and it can＂t be put under greater pressure because of high expectations. The process of financial management should be easy and happy, otherwise it will run counter to our original intention.
　　本文由learningyard新学苑原创，如有侵权请联系沟通~
　　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‍