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management)，指的是對財(cái)務(wù)(財(cái)產(chǎn)和債務(wù))進(jìn)行管理，以實(shí)現(xiàn)財(cái)產(chǎn)的保值、增值為目的。理財(cái)分為公司理財(cái)、機(jī)構(gòu)理財(cái)、個(gè)人和家庭理財(cái)?shù)?。人類的生存、生活及其它活?dòng)離不開物質(zhì)基礎(chǔ)，與理財(cái)密切相關(guān)。</p><p> 　　“理財(cái)”往往與“投資理財(cái)”并用，因?yàn)?ldquo;理財(cái)”中有“投資”，“投資”中有“理財(cái)”。所謂的理財(cái)也不僅僅是把財(cái)務(wù)往外投，被投資也是一種理財(cái)，不懂得被投資也就不懂得怎么更好投資。</p><p> 　　別說你有苦衷，女性理財(cái)是現(xiàn)代女性必修課程。雙十一期間，有電商網(wǎng)站數(shù)據(jù)統(tǒng)計(jì)結(jié)果顯示，女性的消費(fèi)比例遠(yuǎn)遠(yuǎn)高于男性，且女性服裝、包包、化妝品等方面的銷售量最大?？梢?，現(xiàn)代女性群體已成為推動(dòng)國內(nèi)電商發(fā)展，推動(dòng)中國GDP的主力軍。但是，希財(cái)網(wǎng)認(rèn)為現(xiàn)代女性僅僅漂亮有才華還不夠，還要做一個(gè)獨(dú)立自主，既要懂得賺錢，還要懂得理財(cái)，學(xué)會(huì)投資，成為一個(gè)高財(cái)商的女性才是更重要的，未來生活也才會(huì)更加美好。</p><p> 　　1、消除對理財(cái)?shù)目謶?/p><p> 　　女人如何投資理財(cái)?現(xiàn)代還有不少女性對理財(cái)心存恐懼，覺得自己不是理財(cái)那塊料，總認(rèn)為自己做理財(cái)一定不會(huì)成功。事實(shí)上，現(xiàn)代女性不但要擁有自己的事業(yè)，在經(jīng)濟(jì)能力上不輸男性外，在理財(cái)上也要有股不服輸?shù)木瘢龑碡?cái)?shù)目謶?，自我建立理?cái)?shù)男判?，嘉豐瑞德理財(cái)師認(rèn)為可以從理財(cái)方面的小事做起，比如每月定期定額儲(chǔ)蓄、每天堅(jiān)持記賬，認(rèn)真做好來增加自己的理財(cái)信心。</p><p> 　　2、不要等到迫不得已才去理財(cái)</p><p> 　　有不少現(xiàn)代女性往往到了“不得不做”去做的程度，才去重視理財(cái)?shù)膯栴}，比如月月光。一般來說，現(xiàn)代女性的職位和薪水會(huì)比男性稍微低一些，為了以后自己能享受到高質(zhì)量的生活，女性必須要將理財(cái)當(dāng)成自己生活的一部分，采取積極的態(tài)度，來追求財(cái)富的增長。</p><p> 　　3、女性理財(cái)能避免沖動(dòng)消費(fèi)</p><p> 　　從雙十一來看，目前女性成為了最大的購物群體。但是絕大數(shù)女性購物都有些沖動(dòng)，因此女性購物都要能控制自己的購物欲望，在購買物品前需要慎重考慮是否真的需要，支付寶和身上盡量少放一些錢，從而來幫助你控制花錢，避免沖動(dòng)消費(fèi)。</p><p> 　　4、女性理財(cái)不可盲目投資</p><p> 　　現(xiàn)今市場上，投資渠道和理財(cái)方式增多了，同時(shí)風(fēng)險(xiǎn)也增加，因此女性在選購?fù)顿Y方式時(shí)，一定要謹(jǐn)慎，不要隨好友進(jìn)行相同的投資，忽視自己的財(cái)務(wù)需求和投資風(fēng)險(xiǎn)。理財(cái)專家建議女性理財(cái)盡量選擇一些低風(fēng)險(xiǎn)的投資方式，比如定期儲(chǔ)蓄，年利率3%左右;國債，3年期利率4.25%;還有一些固定收益類產(chǎn)品宜盛財(cái)富宜盛寶、宜盛月月盈等，年化收益率在10%以上等，讓財(cái)富獲得增值。</p><p> 　　5、女性理財(cái)需警惕“卡”類消費(fèi)</p><p> 　　一般來說，不少現(xiàn)代女性身上都會(huì)有很多會(huì)員卡，打折卡、信用卡等，在很多情況下不但沒有享受到優(yōu)惠和便捷，反而達(dá)不到省錢的目的，增加了自己的消費(fèi)。比如有些商家會(huì)運(yùn)用一些營銷手段來刺激持卡女性的消費(fèi)，什么買滿500元立減200元、享受半價(jià)優(yōu)惠等。因此，女性要警惕“卡”類消費(fèi)。</p><p> 　　6、女性避免財(cái)富依靠</p><p> 　　有不少現(xiàn)代女性認(rèn)為“找個(gè)有錢的老公就行”、“老公能養(yǎng)活我”，往往都會(huì)把自己的未來寄托在老公的身上，卻忽視了自己的創(chuàng)造財(cái)富和積累財(cái)富的能力?；橐霾⒉荒苷嬲鉀Q你的經(jīng)濟(jì)狀況，不穩(wěn)定的婚姻，不僅會(huì)讓你失去財(cái)富，更會(huì)失去愛，所以要避免財(cái)富依靠，女性要學(xué)會(huì)獨(dú)立自主。</p><p> 　　另外，理財(cái)專家提醒現(xiàn)代女性理財(cái)，要有做好持之以恒的準(zhǔn)備，生活理財(cái)中要適當(dāng)好調(diào)整自己的消費(fèi)習(xí)慣，打理好自己的財(cái)務(wù)，消除對理財(cái)?shù)目謶?，將自己修煉成一個(gè)新時(shí)代的財(cái)女!</p> </div> <div id="koxgxaw" 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