Investment is not equal to money!

点击数：28692018-02-28 10:28:05　来源: 中国注册金融理财师协会

Many people confuse investment with financial management, which equates financial management to investment. This narrow understanding leads to unclear goals and many wrong behaviors when they are financing. It is very important to distinguish between investment and financial difference, where is the difference between investment and financial management?
A difference between strategy and tactics
First of all, in concept, financial management is a big concept, and investment is a small concept, and financial management includes investment.
The investment focus on each input-output ratio, which belongs to the tactical level; and the financing of more than that, it includes not only the individual investment returns, including the realization of personal financial goals, such as pension, tourism, education, insurance and other aspects of the target, and even the realization of the ideal life.
Investment is to make more money with money, and finance is to arrange the money reasonably to ensure that there is more money.
If investment is only concerned about money, financial management is concerned with both money and human factors. Financial management focus on the whole life, rational arrangement of life planning.
Two the difference between the long and the short term
Investment is generally only a short-term behavior. It pays close attention to immediate interests, so it pays special attention to repayment. Financial management is a long-term behavior. What it values is stability and long-term. Investment in the pursuit of short-term interests, has the advantages of obvious advantages, disadvantage is that the purpose is not clear, sustainability is not strong; the financing of the pursuit of long-term benefits, short-term or benefits (such as consumption, insurance and other expenses), and its advantage is that it guarantees you money today, after being.
The difference between the three categories and the results is different in the category of investment and financial management. Obviously, investment does not include consumption, investment only pays attention to the use of money, but money is different and wider.
It includes investment and consumption. In addition to investment, financial management includes reasonable consumption, wealth preservation, personal and family health protection, and arrangements for future life.
In comparison, financial management is more complex. Because of this, investment and financial results are also different: investment can bring a lot of benefits, and finance brings the stable and prosperous life now and in the future.