Your first financial goal

I remember that I once said to Mr. Shoaffu:

"If I had more money, my plan would have been better."

He quickly replied:

"I believe that if your plan was better, then you would have more money."

Jim Rohn "7 Strategies to achieve wealth and happiness"

Imagine that you are lost in the dark forest. On the one hand, you have enough food, clothing is warm, there is a tent and everything in general, then good. Yes, and the forest in general, then at least a dark and cold, but already familiar. All my life I went - and nothing else.

On the other hand you know that somewhere there is a place better. Each is "better" of their own, but for example let it be the sea, the sun, and 500,000 mulattoes in white pants. Rio de Janeiro and all that.

So, you know that somewhere there is a mulatto sea along the banks, you know that you will be there much better than in the forest, but where to go and how to navigate the star, you do not know. You wander in circles in the forest, day after day, bumping into the same trees.

Along the way, you even found a tent better and more tasty food, you grew up behind a huge bag full of garbage every respect useful, but that's just hope that the 101 lap suddenly you accidentally bump into the sea, gradually melts.

But with persistence worthy of severe conquerors of the North Pole, most people wake up every morning at 7 o'clock on the cheerful cry of alarm and sent to cut a new circle in the woods. In a completely irrational hope that somewhere along the way, in the interval between the morning and evening shaving traffic jams suddenly a warm sea.

Sea some reason does not appear, and mulattos prefer to sit in his Rio and tease out the TV. And it happens because as noted by Peter Lawrence: "Who does not know where he is going, probably will not come back."

So the purpose of this article - to help you decide for yourself where it makes sense to go to make it good. It should be understood that the same things can be said about the money. Just as the sea, we will serve the shining pinnacle of financial independence, and then (you never know) look, and wealth to run so far. Well, to start with the bad news.

In the 7-hour ascent and evening TV - Sea (ie, financial independence) no. More precisely, it is, but to get it, we must try. After all, if the last n years the money leaving you with all means available, then it is hardly expect that the situation will change by itself.

As the famous anecdote: Lord, you have to change something. And now the news is good. Financial independence is. And now we'll start with you making sure steps to ensure that its reach. And for this you need to do a few simple steps.

And the first of them elementary well, just to complete disgrace. And right now you need to put yourself first financial goal. That finish reading the article and you can start. Earlier, too, can :)

Objectives, of course, are different. And the cherished amount for each person has their own. So now I'll show you a standard set of goals the young fighter, but he figures you will fill yourself. Under a loved one.

Well, to begin with try on the following objectives:

* Financial security

* Financial security

* Financial Freedom

* Wealth

And now we will talk very first of them, the financial security. What is this thing, how to treat it, and why it is needed.

So, financial security:

Here we are talking about the reserve money, which, if anything, will allow you to live six months without thinking about how to feed themselves, family and aquarium fish, pay for the apartment and move freely even on public transport.

This is a stock that will allow you to feel confident and to sleep at night. In extreme cases (I do not call to do it right now :), it will allow you to send the chief nafik, spit on the job, chopped Service chair and a half and try to look for ways to make you a nice big money.

By the way, six months - a period comfortable for me. You can be a margin for 3 months or a year. Decide for yourself.

In pursuit of the ruble

You know how to make a small capital? Folk wisdom says that it is very simple: take a large and play on the stock exchange. And, alas, it is. Unfortunately, often people think only of profits that will get to invest in a particular project. But the example of MMM, we have long proved that miracles do not really happen.

Now the press, as well as through other channels, is actively trying to spread the idea that invest their money in mutual funds is very beneficial. Yes, it certainly is.

But for whom is it useful? First of all for the one who creates these mutual funds. You, in fact, they themselves are carrying their own money.

And if some of the funds will actually be effectively controlled, the other is likely your money can successfully "merge" and dump in Brazil. Not at all I do not want to settle the doubt in the minds of those who like the idea of ​​mutual funds.

I did this and very soon some of my money will be invested (and then another and another) to one or more mutual funds. However, so far I have not found yet except rankings Fund performance and rating them more stability.

Of course, you can go to a neighbor Vasya, who works in the research department of a bank and ask where it is better to invest. However, Vasya can not be close. What to do then? The main thing is not to fall into euphoria at the sight of beautiful figures.

Search rated mutual funds fresher (this is in your interest so that you can log and some buy) and just take a good look at him. I bet that the general trend is clear. Then find those funds that are pronounced not follow the general trend.

In these funds I would invest poosterёgsya, since it is likely that there are not all clean. Speaking of those tricks that the funds are used to cheat its ranking will be one of the next articles in the Babloge. Once you have selected some of the most interesting and truthful in your opinion funds, it is time to find out more about them.

To get started, simply look at what type of the fund. If this bond fund, then they are characterized by relatively low levels of profitability, but also the smallest risk. If the promotional fund, the risk is greatest, but also the profitability of such funds are usually above average.

I usually choose a fund is simple: if the amount you want to invest in the fund is such that its loss, though make me worry about it, but no matter what the other will not affect, it is necessary to select high-risk funds, and if the loss of money is negative impact on my budget, it is necessary to choose the fund with the lowest risk.

However, in the latter case, all it is worth considering whether to invest in mutual funds or invest it better somewhere else (about other ways to save money and increase, we will also talk in this blog).

Should assess the parameter should be a period during which there is this fund. Agree that the fund, which has been operating for 10 years may be the best work plan and a team of professionals, rather than the fund, organized a couple of years ago.

Of course, there may be exceptions, but here it is just necessary to Vasya told about them, because otherwise they do not know about. Well, after that thing to remember is that investing in mutual funds is a long-term project, and if you want to multiply your money in a year, you should look for another way of multiplying.

For example, the fund in a year may be the yield to 10%, and in 3 years - 800%. Then, alas, you can not guess. However, a good foundation for the long-term share price generally increases.

Finally one more important fact, which many somehow silent: you do not have to buy exactly 10 paёv. You can buy as many as 7 341,000th unit. This is not a security, but simply recorded in the register of shareholders.

Good luck to the risks and success!

To master the road going.