It is wise to collect money through low-risk investment in investment rather than trying to raise a big profit by moving the money for a low interest rate era. In the era of ultra-low interest rates, you can not buy a house by saving money, but you can not buy a car. However, since it is a way to collect seed money safely, please try 폰테크 an efficient investment strategy based on savings.
It is important to take the habit of saving first and consuming what is left in the early 20s. It is recommended that you set up an automatic transfer so that a certain amount is regularly exited on a specific day every month.
As you enter your 30s, you should pay attention to long-term investment products. Long-term investment products generally have the advantage of having to sign up for a long period of time compared to short-term products, so that transaction costs are low and expectations for interest rates and profits can be greater
In your 40s, it is advantageous to invest in products that can increase profits to some extent and products that can receive a lot of income deductions
Since it is time to prepare for full-scale retirement from the 50s, it is necessary to prepare a systematic plan and prepare for old age rather than forcibly rolling funds. It is important to create assets that can occur continuously rather than for high-yield purposes
Many people think that financial technology is a way to make a high profit. It is important, but it is important to manage expenditure first. You need to manage the money that you get out of your pocket, so you can save more money and you can make money through this capacity. For expenditure management, "writing a household book" and "splitting a bankbook" that is classified by purpose of use
In the case of the household, you can understand your consumption pattern, prevent impulse purchases, and prevent overconsumption or unnecessary expenditure.
In the case of splitting accounts, it is said that the bankbook is separated by salary, living expenses, emergency deposit account, savings account, etc. If you use it separately, you can easily understand your funding flow even if you do not manage your funds separately.
If you use a check card rather than a credit card and use cash, you should take a cash receipt and make sure you settle the year-end settlement. If you think you have paid a lot of taxes when you are compared to your income, you may get a refund through the income deduction process. It is a stepping stone to save more money because it is called the salary of 13 months.
Based on the above method, we need a variety of skills to efficiently create money after securing the ability to start investing. As there is a saying, "Penny money is paid," we need a variety of skills to make money efficiently by living a 500 won savings and lunch box every day. Now that banks have very low returns, it is not easy to make money and roll out funds simply through examples and savings. Therefore, we need to use more diverse financial products to raise the scarce returns and start efficient funding management.
It is also a good idea to collect the assets that have been accumulated so much and collect the money more quickly and simply with the savings deposit that can be rolled at a high interest rate at a time. In this era of virtually zero interest rates, especially in recent years, high-interest savings are a shortcut to the path of the rich
Unlike ordinary savings products that make money in a short period of time, personal pension savings are aimed at preparing for a long period of time and earning stable profits for a long time. It is right to sign up for a return, but you have to identify your current economic situation and sign up for it, whether it is a product that can be maintained for a long time.The long-term maintenance addition rate is calculated to be the period before the pension, including the payment period, and increases; even a small amount can benefit from long subscription periods