大学生怎样理财？如何实现财务自由？

1.消除认知障碍

虽然我们现在不缺钱，不为钱发忧，但毕业之后呢？我也不认为金钱是生命中最重要的东西，可如果处处都缺钱，那么钱就变得举足轻重了。我们都不希望忍受拮据的生活，很多人财务状况不佳，就是因为他们在像我们这么大时，没有学会怎么和钱打交道。成功人士的经历很难被效仿，但最基本的真理却能被普遍运用，我下面讲的就是一些普遍而永恒的自然法则。

2.基本原则

2.1金钱魔法老师的咒语

①热爱并渴望金钱

②自信有想法，敢于尝试

③把钱分成三部分，分别用于日常开销，梦想目标和储蓄账户

④享受生活

2.2投资最根本的三点

①应当把钱投资在安全的地方

②我们的钱应该能生出很多钱

③我们的投资必须简单易懂，而且便于操作

2.3债务累累的人应该遵循的四条原则

①注销所有信用卡，及其变体，如花呗等，并保证绝不会借贷

②分期付款时，每次应该尽可能少的偿还贷款

③不必等到还清债务后再攒钱，否则，你很容易会通过申请新的贷款来偿还旧的贷款，陷入死循环。

④时刻提醒自己，借贷真的有用吗？

2.4筛选优质基金的注意事项

①它至少有十年历史。如果它在过去这么长时间取得了良好的收益，那么我们可以认为，它在未来同样会运作平稳。

②应当是大型跨国混合型基金。它能平衡分险，非常安全。

3.如何配置财产

收入不管多少，都应该为储蓄存下50%，为梦想储蓄罐存下40%，剩下的10%用于日常开销。对于我们，如果每个月生活费有限，那我们可以把结余的那部分当作收入。

把超财产总数5～10%的钱放在无收益的地方，是不明智的。

我们投资有三个点要注意，

①分散投资。我们用于储蓄的那50%中的70%，应该用来购买绝对安全的理财产品，如理财通的余额+，支付宝的余额宝。剩余的30%可以用来投资混合型基金，5～10年都不去管它。

②摆平心态。市场总是跌了又起，起了又跌，循环往复，就像四季一样。基金很安全，尤其是当我们投资的周期足够长时。顺便说一下，我们学生不应该投股票。

③低价买入，高价抛售。

我们不要跟风高价买入，或者面对短期波动，在低点卖出。

总结

也许我们有种种理由不去理财，比如惧怕下跌，没时间等等。但是没有人能强迫你做自己不愿意做的事情，只有你自己强迫自己去做。生命中最美好的事情之所以会发生，都是因为我们做了原本不敢做的事情。我们有理由相信，财务自由终会实现。

 

以下是英文稿

How do college students manage their finances?

1. Eliminate cognitive barriers

Although we don't lack money now and are not worried about it, but what about after graduation? I don't think money is the most important thing in life either, but if we are short of money everywhere, then money becomes crucial. We all don't want to endure a life of hardship, and many people have poor financial situations because they didn't learn how to deal with money when they were our age. The experiences of successful people are difficult to emulate, but the most basic truths can be universally applied. What I'm going to talk about next are some universal and timeless natural laws.

2. Basic principles

2.1 Spells of Money Magic Teacher

① Love and desire for money

② Be confident and have ideas, dare to try

③ Divide your money into three parts, one for daily expenses, one for dream goals, and one for savings account

④ Enjoy life

2.2 Three fundamental points of investment

① Money should be invested in safe places

② Our money should be able to generate a lot of money

③ Our investments must be simple and easy to understand, and easy to operate

2.3 Four principles that debt-ridden people should follow

① Cancel all credit cards, and their variants, such as Huabei, etc., and ensure that you will never borrow money again

② When making installment payments, repay the loan as little as possible each time

③ Don't wait until you have paid off your debts before saving money again. Otherwise, it's easy for you to get into a vicious cycle by applying for new loans to pay off old ones.

④ Always remind yourself, Is the loan really worth it ?

2.4 Points to note when selecting high-quality funds

① It has at least a decade of history. If it has achieved good returns over such a long period of time in the past, then we can assume that it will also operate smoothly in the future.

② It should be a large multinational hybrid fund. It can balance risks and is very safe.

3. How to allocate assets

No matter how much income you have, you should save 50% for savings, 40% for a dream savings jar, and the remaining 10% for daily expenses. For us, if our monthly living expenses are limited, then we can treat the surplus as income.

It's unwise to put more than 5-10% of your total assets in non-earning assets.

When investing, there are three points to pay attention to:

① Diversify your investments. 70% of the 50% we save should be used to buy absolute safe wealth management products, such as Yu'e Bao Plus on WeChat or Alipay's Yu'e Bao. The remaining 30% can be used to invest in multinational hybrid funds and left alone for 5-10 years without checking on them.

② Keep a positive attitude

. The market always goes up and down, like the four seasons. Funds are very safe, especially when our investment period is long enough. By the way, we students should not invest in stocks.

③ Buy low and sell high.

We should not follow the trend and buy at high prices or sell at low points in the face of short-term fluctuations.

4. Conclusion

Perhaps we have various reasons for not managing our finances, such as fear of falling, lack of time, and so on. However, no one can force you to do something you don't want to do, only you can force yourself to do it. The most beautiful things in life happen because we do what we were afraid to do. We have reason to believe that financial freedom will eventually be achieved.