致富只有三个方法 | 李孙耀 - 李财有方专栏
人要致富只有三个方法,
第一:投对胎,父母是有钱人。
第二:选对人,另一半已是有钱人。如果这两个方法不管用,因为大局已不能改变了,那么,你就只剩下最后一个方法,那就是,
第三:靠自己,努力的储蓄,大胆的投资。
说到储蓄,每个人都会想到银行,那么把钱存在银行是否是最理想的理财方法呢?答案是:把钱存在银行,短期是最安全,长期却是最危险。短期安全,那是因为当我们有迫切需要的时候可以用来应急,而且它稳稳当当不会不见掉。
长期危险,那是因为通货膨胀会腐蚀金钱的价值,变相的把它吃掉。举个例子:30年前存4万零吉在银行,利息3%,利上加利,30年后这笔钱就是10万零吉了。这样的回酬,表面上看起来好像很不错,但是仔细的算一算却是很吃亏。
30年前已辆全新马赛地的市价是4万零吉,今天全新的马赛地却要25万零吉。即使利滚利,当年可以买马赛地的钱,今天只可以用来付40%的头期钱而已。从这一点就可以看出通货膨胀的利害,它把我们的钱变小了。假设我们今天不舍得花25万零吉购买新款的马赛地,把钱存入银行里给它利滚利,30年后,这笔钱或许只足够给我们的孩子买一辆国产将相而已(Proton Perdana)。这就是通货膨胀的威力,它可以把今天的马赛地变成明天的将相。如果存钱的目的只是为了做24孝的父母,不如今天就把它花掉,至少我们享受新车的当儿,也可以让孩子拥有美好的回忆:原来我是做马赛地长大的。
所以说,钱只可以暂时的存放在银行,不可以存个天长地久,让通货膨胀的恶魔把它给吞噬掉。那么存钱在银行又是为了什么呢?存钱在银行的目的,是为了等待投资机会的出现,机会出现了就要鼓起勇气,大胆的拿出来投资,这才是正确的理财方法。
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