How to set personal financial goals and planning?

First, a full understanding of their own financial situation

As the saying goes, before you do something, you have to understand yourself, and before you make an investment plan, you should have a comprehensive understanding of your loan personal financial situation. Income, expenditure, balance, these three are the most basic indicators, can be more specific to different sources of income, such as salary income, investment income, part-time income, etc.; expenditure channels, for example, daily expenditure, sudden expenditure, non-mandatory expenditure. This is also why it has been emphasised to develop the habit of bookkeeping. For the previous attempted investment projects should also be summarised in a timely manner, in order to optimise the asset allocation later.

Second, clear investment objectives and planning

Clear objectives and planning, investment has a key guiding ideology, can effectively avoid the investment process may appear blind and impulsive. It is exaggerated to say that with clear objectives and planning, the investment is half successful. Different stages of life have different ploan ideals and goals, the corresponding investment goals should also make adjustments.

Third, daily to learn more relevant knowledge and skills

Investment is a long-term 'technical activities', and not overnight can become rich, want to do a good job of investment, must learn more relevant knowledge and skills. There are many ways to learn channels, such as reading professional investment books, listen to expert lectures, you can also pay attention to investment information on the Internet, from other people's experience, skills summed up in their own investment experience, and properly adjust the investment approach.