Group 1 - The article discusses the growing popularity of investment strategies that focus on generating regular cash flow, such as cash flow funds and dividend funds [2][4]. - It introduces the book "Infinite Investing: How to Profit in Uncertain Markets," which emphasizes building investment strategies that ensure continuous cash flow [8][9]. - The author, a tax attorney, highlights the importance of risk management and avoiding financial bankruptcy through sound financial practices [10][11]. Group 2 - The book is divided into two main parts: improving household balance sheets to avoid bankruptcy and creating infinite cash flow from assets [12][13]. - It discusses the concept of household debt ratio, suggesting that a ratio between 30%-50% is considered stable, especially in light of fluctuating incomes [16][36]. - The author identifies three common mistakes leading to financial ruin: using debt for expenses, purchasing liabilities with income, and acquiring liabilities with debt [21][22][23]. Group 3 - The article outlines three key principles for restructuring income and household assets: using income to purchase assets, using assets to cover expenses, and using assets to repay debt [25][26][31][34]. - It emphasizes the importance of accumulating cash flow-generating assets, which is central to the concept of "infinite investing" [40]. - The author advocates for a focus on dividend strategies and other income-generating investments to achieve financial freedom [42][43].

计算自己退休后的年开销，然后用这个数 字除以4%。 例如年开销是8万，8/4%=200万。 那在退休前积累下200万的资产，每年从 资产中提取4%，就可以维持自己当前的 生活水平。 那么,就可以把这个,定义为需要积累养 老金的基准。 (2) 养老金替代率 文 | 银行螺丝钉 （转载请注明出处） 如果四舍五人，那就是4%法则了。 养老需要准备多少钱? 关于这个问题，我们可以参考一个国际通 行的标准。 世界银行建议，要想退休之后生活水平不 下降，我们的养老金替代率不能低于 70%。 这里边有一个「养老金替代率」的概念, 是什么意思呢? 指我们退休后的养老金，与退休前的收入 之间的比率，即「养老金/退休前收入」。 也就是说,要想维持退休前的生活水平, 我们的养老阶段每月可支配的现金流,至 少要达到退休前月收入的70%。 比如退休前每月收入1万元，退休后的月 均养老金，就至少要达到10000元 *70%=7000元。 按照这个标准,我们就可以大致估算出, 自己要准备多少养老金了。 一般来说: ·如果养老金替代率低于55%，退休后的 生活质量就会大幅下降，属于养老金替代 率不足。 ▼点击阅读原 文，免费学习大额家庭资产 ...

文 | 银行螺丝钉 （转载请注明出处） 理论: 一般来说，月供在到手收入的30%以内 比较合理;最高不要超过50%。 原则2:提高储蓄率 每个月省下多少钱,用来储蓄或者定投, 这就是储蓄率。 对大多数家庭来说，储蓄率达到20%就 是不错的水平。 每个月收入到手后，先把要存下的钱拿出 来,剩下的再用来花。这样就避免把钱都 花掉了。 原则3：通过定投积累资产 定投特别适合有新增收入的投资者。 有很多上班族已经在定投养老金、公积金 等,这也是积累资产的一种方式。 我们也可以用同样的方式，定投基金等其 他资产。 原则4：从指数基金开始投资 对普通投资者来说，指数基金是比较适合 入门的资产类别。 指数基金费率低,结构简单,没有杠杆或 者本金永久性损失的风险。 也不依赖基金经理,而是按照指数投资, 非常透明。 只不过指数基金波动风险比较大，需要结 合指数的估值，在低估的阶段定投。 原则5：做好资产配置 在家庭资产分配上,有一些常见的策略。 例如用"100-年龄"分配股票和债券。 像40岁的投资者，可以配置： · 60%长期不用的资金到股票基金; · 40%到债券基金。 年龄越大，抗风险能力会变弱，此时可以 降低股票资产的 ...

大家好，我是银行螺丝钉，欢迎来到这期的螺丝钉带你读书。 「螺丝钉带你读书」也陪伴大家度过了三百多期，为大家讲解了很多有趣、经典的书籍和故 事，比如《三十几岁，财务自由》、《如何读一本书》、《战胜拖延症》等等。 还为大家详细介绍了几位投资大师：股神巴菲特、他的好搭档查理芒格和指数基金之父约翰博 格。分享了他们的人生经历、投资生涯和投资的理念。 大家可以点击下面链接查看部分螺丝钉带你读书合集： 《 世界读书日，螺丝钉送你103本私藏经典好书 》 实现财务自由的简单原则 最近螺丝钉看了一本新书，《简单致富-实现财务自由与富足人生的路线图》。 这本书介绍的，是实现财务自由，所需要遵循的简单原则。 原则1：不要高负债 债务，是自由人生的第一道枷锁。 背负高负债，人生的可能性也会减少。 财务自由不是拥有多少资产，而是保留对人生的选择权。 不过买房子，使用像公积金贷款等低成本的负债工具，也是合理的。 那房贷等负债 ，在多少比例以内比较合理呢？ 一般来说，月供在到手收入的30%以内比较合理；最高不要超过50%。 原则2： 提高储蓄率 每个月省下多少钱，用来储蓄或者定投，这就是储蓄率。 像有的投资大师，年轻的时候储蓄率能达到5 ...

Core Insights - The article discusses the financial planning necessary for individuals at the age of 35 in Shanghai, focusing on savings and investment strategies to achieve financial independence or "lying flat" [1][5]. Group 1: Savings Goals Calculation - A conservative savings model suggests that to "lie flat" in Shanghai, one needs approximately 300 million to 800 million CNY, depending on lifestyle choices and living conditions [4]. - Basic living costs in Shanghai are estimated to be between 7,000 to 12,000 CNY per month, translating to an annual expenditure of about 84,000 to 150,000 CNY [4]. - The 4% rule indicates that annual expenses divided by 4% equals the required savings, suggesting that for an annual expenditure of 150,000 CNY, a savings of 3.75 million CNY is needed [4]. Group 2: Alternative Plans for Insufficient Savings - If savings are insufficient, a "semi-lie flat" approach can be adopted, which includes reducing living costs and creating passive income streams [3][4]. - Suggested cost-cutting measures include moving to a second or third-tier city to reduce living expenses by 30-50% and controlling non-essential spending [4]. - Passive income can be generated through low-risk investments, skill monetization, and rental income from properties [4]. Group 3: Investment Strategies - The article outlines a two-phase investment strategy: high-growth investments in the first five years followed by a more stable approach in the latter five years [8][11]. - The first phase focuses on equity investments, with a suggested allocation of 70% in equity funds and 20% in thematic industry funds [8]. - The second phase aims for a target annual return of 8-10%, with a shift towards bonds and dividend-paying assets to reduce volatility [13]. Group 4: Risk Management and Emergency Plans - Key risk management strategies include maintaining an emergency fund equivalent to six months of living expenses and diversifying investments to mitigate market risks [12][14]. - Insurance coverage is recommended to protect against significant health or accident-related expenses, ensuring that savings are not depleted [12][14]. Group 5: Execution Recommendations - Immediate actions include starting a systematic investment plan in selected funds and conducting quarterly reviews to adjust asset allocations as needed [15][16]. - A five-year milestone is suggested to evaluate progress towards financial goals, with adjustments made if targets are not met [17]. Group 6: Long-term Financial Outlook - By following the outlined savings and investment strategies, individuals have a high probability of accumulating between 3.5 million to 5 million CNY in ten years [18].