[how to earn a million passive income]

First , We need to know something , The essence of establishing a passive income system , It's about building your own portfolio . For enterprises , There is a pile of assets on the balance sheet , Including brand 、 Intangible assets represented by patents . Those things are too complicated , Can write a Book . Let's talk about the portfolio that ordinary people can get .

The assets that ordinary people can obtain by normal accumulation include real estate 、 negotiable securities （ Stocks 、 fund 、 Bonds, etc ）、 cash （ Including bank deposits ）、 Internet assets, etc . You can charge rent for owning a house , Owning securities can receive dividends 、 Waiting for appreciation , Cash deposited in the bank can charge interest , All of these are easy to understand .

What reliable content does Internet assets contain ？ Since the emphasis is reliable , Then various unofficial digital currencies are highly controversial , At present, it is not suitable for ordinary people to contact . Let alone the value of these digital coins in the future , Just say that now you can easily make a roller coaster market , That's not consistent with “ Income after sleep ” Characteristics of , It's possible to clear your assets after you sleep （ With leverage ）.

So far , Reliable internet assets are we media accounts . Of course , Cash is deposited in the bank , Calculate the interest immediately . We media accounts on different platforms have different rules for generating revenue , Some have certain thresholds , So you may not be able to post an article or video , Can immediately generate economic benefits .

Entry level assets available to ordinary people

First of all , Correctly understand the most important ultimate asset in the world ： Time . If one can make good use of time for a long time , That's better than buying one occasionally “ Ten times the share ” Much more useful ！ because , The fundamental reason for continuous investment in a field and enjoying compound interest return , It's the function of time .

How can we make good use of time ？ Spend as much time as possible learning new knowledge 、 New skills 、 broaden one's horizon 、 Activities to improve cognitive level , It's called making good use of time .

Enjoy the final compound interest return through learning activities , It takes quite a period of time to accumulate . Read a few articles 、 Interviews with several celebrities , Or take part in several trainings , It's not enough .

The reason is simple and profound ： The knowledge gained in a single learning is dot shaped , Reaching a level where you can earn money requires “ width of knowledge ”, That is, faceted .“ spot ” How can we become “ Noodles ”？ First, many “ spot ” Accumulate into “ Line ”, There are many more “ Line ” Accumulate into “ Noodles ”.

Have a certain knowledge , Can you make money on some assets 、 Is there any room for appreciation? I have a clear idea . Just like fishing , Big Internet , The more fish you can catch if you drop it . This is the compound interest of time .

second , Real estate investment now seems more and more difficult for ordinary people to master . We should have a clear understanding of this . Under the official determination , There is no future for hyping such assets . The real estate that can continuously generate passive income is basically concentrated in the first and second tier cities in the future , Because there is enough new population . Cities without new population , If there are several Suites , So who do you want to sell it to , If you want to rent it, to whom ？

Third , The probability of securities investment will become the main reservoir of our land in the future . The main theme of today's era is rejuvenation , Rely on hard technology . Hard technology can't be achieved by official promotion alone , This requires a large number of enterprises to try to break through in different directions , Finally, there is a technical route that really grows into a mainstream industry .

This is the meaning of the registration system and the Beijing stock exchange , Similar to American NASDAQ , Let tens of thousands of scientific and technological enterprises raise funds through the market , Break through each other . Is it for everyone to invest in stocks or funds of technology enterprises ？ Of course not. . The risk of blindly investing in high-tech enterprises is also huge .

What ordinary people can consider is investment with controllable risk and reasonable return , For example, stocks of large state-owned banks . The stock price of state-owned banks has been relatively stable for a long time , Dividends are also quite generous , The dividend amount of one year can reach 6% about . You can know what the current bank deposit interest rate is .

The core risk of state-owned bank stocks lies in how much of this industry may be replaced by some new form of finance . If this does not happen , Income of state-owned banks 、 profits 、 Dividends are very stable .

We can consider “ Deposit stock ” Continue to invest in state-owned bank shares in the form of , Until one day we are sure that this industry will have disruptive changes , Thus, the income of traditional banks is greatly reduced . This brings us back to the first point , The long-term accumulation of knowledge brings about the improvement of cognitive level , Enable us to identify this trend .

Recently, the fund fluctuates greatly , Many people who invest in funds think this thing is very deceptive . In fact, if you take a long time to see , The fund also has the opportunity to make money . The reason why we can openly mention bank stocks here , It's really because its fluctuation is small , Just a little money up and down , Just take it and wait for the dividend , There will be no sharp rise or fall to stimulate people in the short term .

Fourth , Cash deposit or so and so treasure （ In fact, the essence is Monetary Fund ） It must be held . Many people think the yield of bank deposits and a treasure is too low , Lower their return on investment . So invest all your money in some assets with low liquidity or good liquidity but too high risk .

It's very unwise . Life is full of random fluctuations , There are good things （ Like winning the lottery ）, There are bad things （ Such as health problems ）. Life is bound to be hit by randomness , We don't often encounter bad things , But once hit by negative random fluctuations , We must have enough cash to cope with .

The root cause of this , It is to avoid not having enough cash when we need to spend money because of random fluctuations , And have to sell some investment assets . If it happens to be sold at the low price , That's a big loss ！ therefore , Usually , We can consider setting aside living expenses for about three months as cash deposit or the investment amount of a treasure .

The fifth , Why should we consider our media account ？ Now everyone has mobile phones , When traveling, I saw a beautiful scene , By the way, take photos and post them online , Maybe the traffic will come , The platform will give you profits , It's so easy to get money, why not do it ！

in fact , It's not easy to get money . Many people can't earn money by writing articles and shooting videos . There is news that ,90% The income of the above webwriters is less than 1000 Yuan per month . in other words , If you can't grow into a big guy , You can only earn some pocket money at most by making an we media account .

Then why should we do it ？ The first point , Reading books and watching videos may not be able to learn knowledge , The sign of real learning is that you can teach others . Write an article 、 The purpose of making videos is to integrate the inventory in your mind in an organized way , Around a central idea, orderly assemble things that others can see . This is the most effective way to digest knowledge .

Second point , Skills will also generate compound interest accumulation over time . Input knowledge for a long time and pass the article 、 Output knowledge in video form , It will improve your cognitive level in this field .

The third point , When the cognitive level of a certain field achieves qualitative accumulation , The article that came out 、 The video produced has content value . Valuable content through the Internet this super lever , There will be opportunities for many people to see . One day, you may be really angry , Second, maybe others recognize your value , Will cooperate with you in other aspects .

Fourth, , If the Internet platform doesn't fall down , The articles and videos in our media account will always exist there , As long as someone clicks in , Is creating revenue . Even if it's just a penny of income , That's all. “ Income after sleep ”, The key is that we don't seem to have any subsequent maintenance costs .

So many benefits , In the final analysis, it lies in one sentence ： Continue to improve your value , And use the Internet as a super lever to spread your value . Maybe there are unexpected benefits .

that , Some friends may ask a key question ： I work so hard , There is no time to write articles 、 Making videos ？ This goes back to our first big item ： Make good use of your time . This is the ultimate 、 The most valuable asset ！

In conclusion , Ordinary people establish a passive income system , Mainly rely on rational securities investment （ For example, deposit bank shares ）、 A reasonable amount of cash deposits and a treasure 、 And continue to accumulate their own Internet assets （ Write an article 、 Do video ）.

Do these things , We must make good use of time 、 Make good use of leverage . Accumulate personal value with time , Leverage the spread of value , This is the most reliable road to success .

The source of the original ：https://new.qq.com/omn/20220215/20220215A04CTR00.html

I suggest , Xiaobai's time cost from entry to mastery , Or sunk costs and marginal effects . All need comprehensive consideration , Similar to the analysis of filling in volunteers for the college entrance examination , Regional cities , The choice of school and major, and the development prospect of the industry . How to become the ultimate winner of passive income , You still need to experience it yourself . For example, fund , Stocks , negotiable securities , bond ,REITs, Asset securitization , Learn more about finance . Or the growth route of we media industry , No one's success is casual , Easy . If there is , It must be the rent collector or the rich second generation .
in short , There are 28 laws and pyramid structure distribution in any industry , Only the people at the top , To reach the real peak of life , And the working class below , It is no longer the fate of being enslaved . How to earn a million with passive income , It's not necessarily how much capital you have , Borrowing debt and capital are linked by , It is nothing more than economic analysis and personal control .

Personal view , No suggestions , For reference only , No joy, no spray. .