七富人有投资理财的眼光(第1页)
七、富人有投资理财的眼光
富人在决定某项投资之前,往往会事先做好准备工作。首先,他们会确定自己的投资方向,即确定做哪种投资。在进行了广泛的调查和比较后,找到最有利的投资方向,从而确定最佳的创业方案。他们绝不会凭一时冲动盲目上马,做赔本生意。
做生意是一个复杂的事情,头脑简单,就会被市场的复杂多变弄得神魂颠倒。面对错综复杂的市场,富人会及时掌握行情、产销信息,并对这些情况做冷静的分析。任何一项投资,没有六七分的把握,他们是不会冒风险的。为了增加保险系数,又不错过致富良机,他们还会采取“小进小出”的方式,先进行小本生意试运营,循序渐进。打得“赢”,便加大投资;打不“赢”,就迅速转向,也不至于“伤筋动骨”。
富人确定投资方向,会从投资对象的基础和条件、社会需要和经济收益等方面来考虑。这一点很值得我们学习。比如,汽水厂打算开一个门市部,就应开设以销售汽水为主的食品店为宜。如果舍长就短,去经营服装鞋帽或家用电器,这样的开业意向就不可取。同时开业经商应适应社会需要,生意人必须考虑自己的投资方向是否与社会需要相符,并需了解市场范围的大小,同业竞争的情况,市场需求程度和今后发展趋势等,以避免盲目性。不管做哪种生意,都要考虑经济效益,即所谓“千做万做,蚀本生意不做”。当然,即使是富人有时候蚀本也在所难免。但他们相信只要择业得当,生意得法,总是能赚钱的。
在确定投资方向后,富人还会考虑投资规模。一般是店小风险小,但收益也少;店大收益大,但风险也大。因此,他们会从实际出发,量力而行。对于欲要成为富人的人而言,这些都很值得学习,个体企业开业时一定要从自己的财力、物力以及经商技能、销售能力等情况出发,扬长避短,因地因时制宜,有多少钱办多少事。比如,某个体生意人准备开办一个店铺,如果他只有2万元,那么,只能从这个本钱出发考虑自己的投资规模,或开设小百货店、小食品店,或卖一些蔬菜、水果等。确定了投资方向和投资规模,也就确定了开业意向。意向一旦确定,就可进入开业实施阶段了。
所以,投资要动脑筋,要让自己的钱到市场转了一圈后带些钱回来,而不是一去不返。
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