Young people, reasons why you must start investing immediately

Ayu is 32 years old. He has worked in a foreign packaging factory for 8 years with a monthly salary of 50,000 yuan (night shift). His wife’s monthly salary is 30,000 yuan. Plus the year-end bonuses for both of them, the family’s annual income is about 1.1 million yuan. They have a 3-year-old son. My child, I currently rent a house without a mortgage, but I have a car loan of 600,000. After deducting the rent, car loan, nanny fees, filial piety fees, and living expenses every month, there is not much left. Looking at the rising housing prices, I think The idea of buying a house to settle down seems to be an unattainable dream. Maybe you don’t have a rich dad, so you need to invest and manage money as soon as possible. The following are the reasons why you must start investing immediately:

Inflation is eating into your income

Since you can’t save money with a low salary anyway, it’s better to enjoy life and pursue small happiness. You are not willing to sacrifice the quality of life just to save money, but do you feel it? All the necessities of life, chicken steaks, coffee, pearl milk tea, toilet paper... everything that can be seen and used have quietly increased in price. Prices will not stop expanding just because you decide to become a "sleeping person". They will continue to adjust. Rising prices are eating up the quality of life you thought would not change. You must start investing and managing money to resist inflation.

avoid being a dirty old man

When the population continues to age, young people are unwilling to have children, the elderly are living longer and longer, and social welfare conditions are getting worse and worse, don’t think that the embarrassment of living on the streets and receiving social assistance funds will not happen to you. National Development Council It is estimated that by 2040, on average, every two young adults will have to support an elderly person or a child. In the past, a father could support a family by working alone. Now, let alone a family, he can hardly even support himself. Well, when you slowly lose your ability to work when you get old, an unexpected change will turn you into a "dirty old man". Investment can allow you to maintain your assets, stay away from the dirty old people, and avoid becoming a burden to society.

"Dirty old man" is a new term that appeared in Japan. "Dirty old man" refers to an old man who lives a low-class life.

People who still want to buy a house

If you have not been scared to death by housing prices and have not given up the idea of buying a house, then you should start investing immediately, formulate a simple and achievable investment plan, and implement investments in a long-term and disciplined way. Buying a house is for those who are willing to invest. , will not be an unattainable dream, it just takes time to accumulate, but for people who love to complain, love weird things, and talk without practicing, it is indeed a fantasy. Buffett's famous saying: "Investment is like a snowball. Find a long slope with wet snow, and the snowball will get bigger and bigger. "The biggest asset for young people is time. The sooner you start, the better your chance of making a profit."

Buffett famously said: "Investment is like a snowball. If you find a long slope with wet snow, the snowball will get bigger and bigger."

People who want to achieve financial freedom

What is financial freedom? It is FIRE (Financial Independence Retire Early) that has been popular in recent years. "Financial Independence, Retire Early". Financial freedom means "having enough money to use without working." Early retirement does not mean not working, but not working for money. You can do "What you want to do", if the salaried class wants to achieve financial freedom, you must invest and manage money. It does not require you to start a business and become Terry Gou or Zhang Zhongmou, but you must understand financial knowledge and accumulate assets through investment knowledge, so that Passive income achieves your financial freedom (FIRE).

FIRE (Financial Independence Retire Early) means "financial independence, early retirement"

Doing nothing is when the risk is highest

Parents often tell us that entrepreneurial investment is very dangerous, and there is a risk of bankruptcy. They use their failure experience to advise you not to invest in entrepreneurship easily, just work hard, so that you only dare to put money in bank fixed deposits and only dare to buy. Savings insurance, if you do nothing or make wrong decisions during the age when you should most invest and manage money, it may appear that there is no loss at first glance. In fact, doing nothing is the highest risk, because your 1 million ( No more investment), in 35 years it will be 14.78 million (calculated at 8% compound interest). If you do nothing, 1 million is still 1 million. It is also possible that due to price inflation, 1 million will only have 800,000 purchasing power.

It is not difficult to invest 8% in the long term. Taking Yuanta ETF 0050 as an example, the annualized return in 15 years is about 8% - 11%.

Note: Past performance is not indicative of future performance.

Saving 7,148 yuan per month can reach 14.8 million in 35 years

Image: msn finance

in conclusion

In response to the ruthless treatment of the world, you have no choice but to "lie down" as a silent protest, but can lying down really change anything? Nothing can be changed. If you are tired, just lie down and take a rest, but please don’t lie down all the time, because doing nothing is the highest risk. If you want to be happier and richer in the future, you can buy a house. You can have money to do what you want. You don’t want to be a burden to society and live like a dirty old man. So from now on, please make some changes and start saving money for investment. A few thousand dollars a month is fine. Please Let time become the greatest weapon for asset accumulation. This is not an easy task, but it is never too late to start.


This article states:
The author has no interest in any relationship with Yuanta Investment Trust. The content of this article is only the author's personal opinion. Please think independently and evaluate carefully before investing, and be solely responsible for the subsequent profits and losses of any investment.

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