理财不仅是投资与赚钱,更是个人一生的现金流量与风险管理。在理财过程中,由于外部环境的复杂性和变动性以及个人对环境的认知能力的有限性,包括人身风险、财产风险与市场风险,都会影响到现金流入或现金流出。这些风险会让你意识到面临潜在的低收益甚至是金钱的损失,它还可能会阻止你实现重要的目标, Money management is not only investment and make money, but also personal life of cash flow and risk management. In the process of financial management, cash inflow or cash outflow will be affected due to the complexity and change of external environment as well as the limitation of individuals’ cognition to the environment, including personal risk, property risk and market risk. These risks will make you aware of potential low-yield or even money losses, and may prevent you from achieving important goals,