Once the savings have become a life-saving straw, to bring a bit of comfort to the people in distress
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When they started their own business, they faced a red sea
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On the one hand, the post-90s and post-95s missed the reform and opening-up in the 1980s and the rapid economic growth in the 1990s
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In Douban, the group has more than 520000 members
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This winter, the popularity of funds seems familiar, just like the insurance that occupied the topic last winter, bitcoin and stocks that were popular earlier
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The picture comes from the screenshot of the report “investigation on the truth of year-end bonus for employees in 2020” jointly released by lufax and Maimai
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In the past, when young people got married and started a business, they could still get support from their parents to gain a foothold, but they caught up with the rise of house prices
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They have a lot of time and energy, and all their wages can be used to improve the quality of life
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The sudden epidemic and the long isolation that followed kept young people at home, unable to work and without income
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In 2020, the arithmetic average return rate of equity funds under active management will be 48%, of which 55 funds will have a return rate of more than 100%
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But in 2020, the fund’s good returns make it possible to achieve wealth freedom through financial management
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With the continuous downturn of the fund market since the beginning of the new year, the young people who took advantage of the popularity of the fund to “run and buy the foundation” before the new year are in a deep mood
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Some successful cases of realizing wealth freedom through investment give everyone hope
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The biggest difference from the past few investment and financial boom is that young people account for the majority of the new basic people in 2020
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In the explanation of encyclopedia entry, “it is a necessary prerequisite for financial freedom and early retirement.”
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More job opportunities attract young people to the first and second tier cities, but families in the third and fourth tier cities can’t afford the housing in the first tier cities even if they lose their property
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On the second-hand idle trading platform, “fund loss” has become the most common reason for reselling mobile phones and game consoles
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The most common way to accumulate wealth is to enter an enterprise and get a salary
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No wonder financial management has become the most popular way of life
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According to the data of mob Research Institute, in 2020, 60% of the newly added basic people are 18-34 years old, and the trend of youth is obvious
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Once upon a time, the “moonlight clan” is the lifestyle respected by young people
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Young people, by virtue of their social nature and talent of storytellers, have brought about a wide range of topics for the fund
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Social networks are full of self mockery, complaints and anxieties of young “basic people”
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Even if the epidemic is over, the uncertainty of life it shows will not disappear
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The word seems unattractive to the public
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A month later, the situation has been completely different
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Douban group “uses interest to live | invest and manage money”
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It seems that young people have achieved the greatest degree of “making money” by opening up financial resources and cutting corners
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This means that you don’t need 996 or 007
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In addition to the “crazy money saving group”, Douban’s popular groups include “stingy women’s Union”, “stingy men’s Union” and “financial failure mutual encouragement group”
What made them change into a thrifty lifestyle? The most direct factor may be the lingering shadow of the epidemic in the past year
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When they first came out of school, they didn’t have the original capital to go into business
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As the name suggests, “income after sleep” is money that can be earned by lying down and can be obtained automatically without spending time and energy
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In Beijing, Xiamen and Shanghai, it takes 71, 68 and 65 years respectively
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According to Wande financial data, the median return rate of partial equity funds will reach 35% in 2019
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At that time, the huge risk of stocks and the meager income of fixed deposit also make the income after sleep that “financial management” can create
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From buying a house to making decisions and changing jobs to buying canvas bags and using facial wipes, the “piggy bank” will seek help in the group, and the bean friends will pool their wisdom and help
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The picture comes from Weibo @ language command center
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Wages can no longer bring a sense of security and satisfaction, investment and financial management has become a way out.
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Those who have not yet set up a family and have no pension burden can “have enough for one person, and the whole family will not worry”
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Behind the popularity of the fund, there are not many choices for young people
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Still photo of the Japanese drama “we can’t be beasts”
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According to the survey on the truth of 2020 year-end bonus for working people jointly released by lufax and Maimai, 62% of post-95 investors have invested their money in funds
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But this time, because of the lower entry threshold of the Fund (many funds can start investing at 10 yuan), the simpler operation mode (common payment software can be purchased), and the more intuitive rate of return on investment (the income of the day can be confirmed immediately every day), the scale of funders it attracts is far larger than before
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While young people have become the main force of new funders, funds have also become the preferred way of investment for young people
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The banter of “you can green me, but you can’t green my fund” has aroused a lot of resonance
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As long as you have certain original assets and rent them, you can receive the rent regularly, of which rent was the most important way to protect the income from drought and flood at that time; second, apply for intellectual property rights, so long as the creators’ works such as books, music and pictures continue to spread, they can continue to obtain copyright fees; third, finance and insurance Money, funds, stocks and other financial management methods can make money generate money and bring income, but risk and return coexist
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It was the same group of young people who were on blind date in the discussion area of the fund trading platform a month ago
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Behind this persistence is their re understanding and re definition of money, work, life style and even the way of existence
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However, whether it’s cheering for the fund or dejected for the fund, the financial management represented by “fund”, or “making money” in a more popular way, seems to have become a necessary part of young people’s life, which is no less important than love, work or chasing stars
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560000 users who call themselves “piggy bank” supervise and encourage each other here
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With the popularity of the fund, a new word appears in people’s vision – “income after sleep”
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The popularity of funds is just the tip of the iceberg
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Young people are proficient in all kinds of financial management
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As long as you buy the right fund, even if you lie flat every day, your income will automatically double every year
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Whether it is the “red” in the good situation or the “green” in the “falling mother” situation, it has further promoted the popularization and going out of the circle of the fund
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Here, they share their skills in purchasing funds, discuss possible investment opportunities in the future, and complain about the huge losses they have suffered
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Such a good thing undoubtedly makes people yearn for wealth and freedom
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The longer-term reason is that this generation of young people really find themselves short of money
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They set up a global support group, fans group and hit the list topic for fund managers with excellent performance
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How long will young people have to wait for their fixed salary to buy a house? According to the data of DT finance and economics, according to the average disposable income and the average price of second-hand houses in the city, it takes 115 years to buy a flat with 80 square meters, two bedrooms and one living room in Shenzhen, the highest price in China
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There are three main channels for “income after sleep”: first, rent collection
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It is always whipping young people to finance and save for the next storm
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They don’t spend any extra money and get the highest quality of life with limited money
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Interestingly, another group that is comparable to “living with interest and investing in wealth management” is the “crazy money saving group”
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Xiao Shuyan 01 “financial management” is open source and “stingy” is throttling
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In fact, the term “income after sleep” was put forward by the media in 2018, but whether it is rent collection or intellectual property creation, it has a threshold that ordinary people can’t reach
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