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新,即新观念。在金融市场日益精密复杂的90年代,投资理财并非是指多存钱或赚大钱,还包括投资工具、选择目标、运转情况、适度风险、承受能力、投资分析等诸方面,因此,对投资理财的认识要从过去的“经验型”转变到今天的“科学型”上来。实,即实事求是。随着生活水平的提高,家庭投资理财要量力而行,投资要遵循一定的法则,切不可一窝蜂地随潮而上,盲目追求“高消费”。平,即平衡。维持家庭经济收支平衡,对于建立一个幸福美满的家庭有着举足轻重的影响。为此,在理财中,要根据自身的消费发展层次,即:生存需要、享受需要、投资需要、发展
New, that is, new ideas. In the increasingly sophisticated 90s in financial markets, investment and wealth management does not mean saving more or making big profits. It also includes investment tools, selection targets, operating conditions, moderate risk, affordability and investment analysis. Therefore, The understanding must change from the past “experiential” to the “scientific” today. Real, that is, seeking truth from facts. With the improvement of living standards, family investment and financial management should do what they want, investment must follow certain rules, and must not rush into the tide, blind pursuit of “high consumption.” Flat, that is balanced. Maintaining a balanced household budget has a decisive influence on the establishment of a happy and happy family. To this end, in financial management, according to their level of consumer development, namely: survival needs, enjoy the needs of investment needs, development