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随着生活水平的提高,让老百姓逐渐摆脱了“一分钱掰成两半花”的窘境,并开始有了理财的愿望和需求。可是如何打理个人资产,目前可供选择的渠道不算多,人们的行为误区却不少。误区一:急功近利型眼下不少商业银行都开设了理财工作室,由资深专家为客户度身订制理财计划。可几乎每位客户上门来的第一句话都是“我的钱能增值多少”或者“你们可以给我多高的收益率”。这显然有些太急功近利了。其实,理财并不等于投资。根据美国理财师资格鉴定委员会的定义,个人理财是指如何制订合理利用财务资源、实现个人人生目标的程序。中国工商银行上海分行理财专家解释说,理财的
With the improvement of living standards, people are gradually getting rid of the dilemma of “breaking a penny into two halves of flowers” and starting to have the aspirations and needs of financial management. However, how to take care of personal assets, the current choice of channels is not too much, but many people’s misunderstood behavior. Misunderstanding one: quick success Interest-free now many commercial banks have opened a financial studio, a senior expert tailor-made financial planning for customers. The first words that almost every client can come to are “how much my money can add value” or “how much you can give me.” This is obviously something that is getting too quick. In fact, money management does not mean investment. According to the definition of the US Financial Planner Qualification Committee, personal financial management refers to how to make rational use of financial resources to achieve personal life goals. Industrial and Commercial Bank of China Shanghai Branch financial experts explained that the financial management