Save & Invest • 储蓄与投资

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A guy once asked me: “how can I accumulate my fortune?”

I answered: “You do it by investment.“

“How and what should I invest in?”

“You can choose stocks, funds etc. You can save a fixed amount of money every month to do that.”

“But I am not able to save money every month, what else should I do?”

I was speechless.

Relax, it is just an illustration. Ask yourself: in real life, have you ever met someone similar?

Some people are born with silver spoon in mouth; some people strike lottery and become overnight millionaires.

But how many of us have such luck? Very few, and this is purely decided by fate.

So what can ordinary people – like you and me –do to change our lives?

We work hard and work smart, so that we can build a good career/business in the future with our own effort. Or, we can use investment as a means to accumulate fortune.

But how do you invest if you do not have capital?

One of the most convenient sources is our savings. We use it as capital and grow it in stock markets. If you do not even have any capital (in other words, you do not have fixed savings for investment purpose), no point for you to talk about growing money and building fortune.

In conclusion, the first step to become a millionaire: SAVE MONEY.

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有个年轻小伙子问我：要如何累计财富？

我说：靠适当的投资理财，慢慢的累计财富。

小伙子又问：那要怎么投资？投资什么？

我答：投资股票、基金等等，每月定时定额预留一笔钱，然后放进你所规划好的投资项目。

小伙子再问：可是我每个月都存不到钱，那该怎么办？

我：。。。。。。

不晓得大家可否遇到过这样的人？

不过，以上这故事纯属虚构，如有类同实属巧合。

我们都知道，有人一生下来就大富大贵，家财万贯注定一辈子丰衣足食；还有一些人受到幸运之神眷顾，中聚宝彩票一夜致富。

可是现实生活中，出生荣华富贵或者一朝发达这类人是少之又少，而且也由不得你我来做决定。

如果你也跟我一样，出生于小康之家，甚至一生偏财运也不佳的人，该怎么办？

也别气馁！我还能够靠自己的努力来拼搏，或许还能成就一番事业。要不然，就靠“投资”这一门，一点一滴慢慢累计财富。

所以身为普通人的我们，想要致富仍然不是梦，我们仍然可以靠投资来现实现它。

但说到投资，总得要有“本钱”。没钱，怎么投资？

我们常说”资本增值”，如无储蓄（资本），又如何替”资本”来增值？

累计财富必须由储蓄开始，如果连最基本的储蓄也做不到，谈什么投资？又如何致富？