Intelligent Finance Solution

Intelligent Finance/Financial intelligence is one of the multiple human bits of intelligence. This intelligence is not exclusively related to financial matters but primarily to them. If we randomly ask 100 people about financial intelligence, they confuse it with money. But financial intelligence is about more than money—a universal concept, broad and, of course, learnable. To better understand the idea of financial intelligence, we suggest you stay with us until the end of the text.

Where does the concept of financial intelligence/Intelligent Finance come from?

Now one of the most famous figures in the field of financial intelligence is Robert Kiyosaki. Although he introduced the concept of financial intelligence with his famous book ” Rich Father; Father without money ” made a place in the world, the definitions and concepts of financial intelligence are now becoming wider and expanded.

For example, Mr. Thomas J. Stanley presented a new type of concept of financial intelligence with the book ” Millionaire Neighbor ” and examined whether successful people (in the financial field) follow a certain pattern, think in a certain way or How do they go through life to get what they want?

To put it very briefly, the millionaire neighbor considers these seven things that people with high financial intelligence do:

  •  Their standard of living is lower than their financial means.
  • They use their time, energy and money effectively in ways that lead to wealth.
  • They believe that financial independence is more important than displaying social status.
  • Parents have not provided them with outpatient economic care (in fact, parents have not made them unmotivated and lazy by taking care of them economically).
  • Their adult children are economically self-sufficient.
  • They are good at spotting good opportunities in the market.
  • Their career choice was correct.

A more interesting and straightforward definition says: financial intelligence means the ability to solve financial problems!

What are the uses of financial intelligence?

The most comprehensive definition of the application of financial intelligence has been provided by Robert Kiyosaki of financial intelligence. He says: “It is not real estate, savings funds, buying and selling stocks, business or money that makes people rich, it is information, knowledge, reason and thought or more generally financial intelligence that makes people rich.

What do famous people say about financial intelligence?

Financially successful people have secrets in their activities. But let’s read some quotes about financial intelligence:

Robert Kiyosaki

Intelligence solves problems and generates money. If a lot of money comes to you, but you need financial intelligence, you will surely lose this money soon.

Another quote from Mr. Kiyosaki:

Most people never get rich for the simple reason that they were never trained to take advantage of the opportunities right in front of them.

Richard Branson:

Don’t think about getting rich. Think about making a change in your life using financial intelligence. Identify the change that others are making bad and do it better.

Bill Gates:

The only great and endless asset we have is our minds. By developing financial intelligence, you can create huge wealth.

Brian Tracy:

Financial intelligence is the most important key to getting rich in this century and the information age. Which is acquired through lifelong learning.

For more information on Mr. Tracy’s complete biography, we recommend the article Who is Brian Tracy? read the

What do people with high financial intelligence think?

The line between successful and unsuccessful people is thin. At the same time, those who have high financial intelligence take specific actions during their life. Pay attention to this word: “special actions.” They act, take risks and learn.

People with high financial intelligence largely control their beliefs about money. Having high self-confidence, they have brought money under their control and never make money as a “servant.”

What are the characteristics of people who have high financial intelligence?

People with high financial intelligence have these characteristics:

1- They learn financial management from experts

People who have high financial intelligence do not consider themselves to be intellectual. They always consult with experts and experienced people in this field.

2- They have stronger, more effective, and more stable communication skills

If you look at the type of relationships and complexities of successful people, you will see that they spend a lot of time and energy on their human networking . Establishing these relationships leads to forming a wide and effective network for them and helps them discover different angles of their abilities. They are also more patient, more courageous, have better self-confidence and self-esteem, and have more effective motivation and goal setting.

3- interact with successful financial managers

To successfully manage your money, you must model the characteristics, habits, and daily behaviors of people who have walked this path before you. That’s why good managers make friends with successful financial managers. They know very well that through each new relationship, they open a window of awareness and deeper information for their next financial decision.

4- They continuously learn new financial strategies

People with high financial intelligence do not shy away from learning about making money, buying and selling stocks, investment information and financial issues in general. In fact, take the air from them, not to make money!

Most of the time, when you see them, they listen to a program about getting rich, reading books about it, and the center of their talk revolves around money. Making money has become a habit for them.

5- They have an operational plan

People with high financial intelligence have a comprehensive operational plan for doing their financial work and have made a daily plan for managing and implementing it. Learn more about starting a home business from the following link: The Complete Guide to Starting a Home Business

6- They usually save ten percent

People with good financial intelligence regularly keep at least ten percent of their income. Of course, not to put it under the pillow; they are constantly learning ways to invest.

Saving 10% at the starting point is a realistic goal that anyone can achieve. There will need to be more than a 10% savings rate to secure your financial future, but the first step is always the hardest. Small successes are the beginning of more significant victories.

Two-thirds of Americans don’t have enough money in their savings accounts for emergencies. Nearly half of Americans think they need $50,000 to work with a financial advisor. Once you internalize the mindset of saving, achieving a 20% savings rate will be possible.

You’ll need to fine-tune your shopping list and find ways to make more money, but the day will come when you retire. For some reason, the later you get serious about saving, the more challenging your future will be.

How reasonable is the savings?

You must have a realistic view of your needs. Often, expensive things we desire cannot bring us long-term happiness. A Chinese proverb says: “A small house is as happy as a big house.” By remembering this simple fact, you can save more than you ever imagined. No rule says you can only save 20% of your income.

7- As for debts, their duties are clear

People with a lot of financial intelligence know that being in debt does not have an effect in the long run. At the same time, if they have to, they are not afraid of taking a loan or creating debt. In most cases, they clear their debts with the profits they get from intelligent investments.

8- They have short and long-term financial goals

Financial goals are closely related to effective operational plans. The goals of “financially smart” people are divided into two categories, short-term and long-term, and this makes them focus on achieving them throughout the day.

9- They have a strategy for spending

Intelligent people think carefully about any amount they want to spend even if they have a lot of money! Successful financial managers are aware of the consequences of their smallest purchases. They know the long-term consequences of accumulating seemingly small purchases. They know that small purchases add up to debt and affect profit opportunities.

People with high financial intelligence have an excellent ability to predict the future. This feature helps them to know the consequences of spending their income and make the right decision to spend it or not. If they conclude that spending their money will not benefit them in the long run, they will prioritize their choices before taking action.

How does Robert Kiyosaki divide financial intelligence?

Robert Kiyosaki divides financial intelligence into five areas. If you have these qualities, you can hope to be more successful than others.

1- If you can earn more, you have higher financial intelligence

The first depends on the amount of money you earn. If you have an annual income of 100000, your financial intelligence is probably higher than a business that has an income of 20000. Of course, be careful, we said, because you must also consider the following things.

2- If you save your money better, you have higher financial intelligence

Your financial intelligence also depends on your ability to maintain your income. Once you start earning money, you must protect it from “financial predators” such as banks and tax collectors.

3- If you have high financial intelligence, you should be able to leverage your money

According to Robert Kiyosaki, the return on your money and investments is measured by “how leveraged money will increase your wealth?”

4- Your financial intelligence is measured by the amount of your financial information

Information means real information, not your way of thinking or relying on information others give you. It is not wise to make our financial decisions based on what others say. Except for those who really have first-hand and reliable information.

Knowing the rules and patterns and trends is also an essential part of having financial information. Warren Buffett is one of the clear examples of knowing rules, information and patterns. He and his partners do extensive research for their investment decisions. Before buying shares in a company, they should know everything about it and invest confidently.

Of course, mistakes can happen to anyone—even the most prominent businessmen in the world, like Warren Buffett. Good information does not necessarily lead to the right decision, but it increases the probability of the right decision.

Seven ways to strengthen financial intelligence!

If you think you’re “financially illiterate,” don’t worry. Many people think that they do not have any financial intelligence. Many people struggle to prepare for retirement by knowing how to manage personal finances, reduce debt, understand the stock market, and save. Fortunately, there are many resources available today to help improve your knowledge of financial decision-making.

Financial literacy doesn’t happen overnight, and it doesn’t happen by reading just one book. This happens through education, practical experience and life lessons. In the following, we will learn how to increase our financial intelligence by introducing practical methods.

1- Start

It’s never too late to improve your financial knowledge. Increase your knowledge about investing, estate planning, how credit cards work, loans, saving for the future, Social Security, insurance, retirement, and taxes. Work with one subject at a time. Start with the one you are most interested in learning and build a solid foundation of your financial knowledge.

 2- Follow up on financial issues carefully

To strengthen your financial intelligence and make sound decisions, follow economic newspapers and magazines as much as your time allows. Note its good points, but concentrate well to make the best decision.

 3- Search the Internet

There are many online resources to increase your financial literacy. Many news networks also have a financial tab.

4- Take a financial intelligence class with an experienced professor

Find them and train with them. Find a good domestic or foreign online course if you prefer to stay at home.

5- Follow the experts

Listen to the radio, TV business programs, and even discussions between entrepreneurs and financially successful people. Sometimes you can get excellent tips from them. The secret of financial intelligence is sharp sense! Be sharp.

6- Start investing. Do not be scared

Don’t be afraid to make mistakes. Either you succeed, or you fail; But if you are going to sit and read theory, you will never succeed in practice. It is like a surgical medical student sitting at home and studying. He must have surgery to learn! Start with less risky investments, But start. A famous saying says: No one has made a mistake which has done nothing.

7- Teach your children basic financial intelligence from now on

Our lack of financial intelligence is mainly because our families needed to teach us the basics of investing. From the very beginning, we were taught to save some money in our piggy banks; But did they teach us what to do with the money saved?

Try to introduce them to the topic of wealth and money by using various tools such as financial circulation games, attractive books, and seminars for children. Of course, be careful not to tempt them. Children should not see money as “everything.” They need to know how to make money and save and invest in the right ways.

What mistakes do people with high financial intelligence not repeat?

People who are financially successful and have high financial intelligence do not make these financial mistakes.

1- They don’t spend too much

One of the characteristics of people with high financial intelligence is that they spend less than what they earn. Even the richest people in the world don’t overspend. For example, John Templeton (one of the great billionaires) saved half of his income, even when he was growing and had limited wealth.

Don’t worry if this amount is too much for you to save. You can achieve financial success by saving just 10-15% of your income.

2- They usually don’t bargain

Highly financially savvy people think a lot about the value of what they are willing to pay for. For example, to invest, they focus on the growth they will see in the future, not the current price. Or when they want to buy something (like shoes), they usually choose high quality. They indeed pay a lot of money initially, but it will save money in the long run.

 3- Their financial plans are not static and fixed. It is flexible

Successful people adapt well to sudden events. They manage things with their high financial intelligence. For example, if an illness or marriage happens to them, they have already prepared for it.

If you want to increase your financial intelligence, you need to adapt your financial plans to the changes. At least once a year, take a break with yourself to reevaluate your life and financial plans so you get used to adapting to changes.

 4- They don’t like a fixed income

Most of us end up settling for a 5-10% annual raise. With this amount of increase in income, inflation will soon overtake you. But, Successful people are constantly looking for ways to improve their income and, consequently, their quality of life.

An increase in income not only increases your options for improving the quality of your life but also gives you a sense of security and increases your capacity to pay. Successful people do daily tasks to increase their income. They generate passive income.

5- Successful people review financial statements periodically

Achieving financial success requires building consistent and gradual habits. One of these habits is the constant and periodic review of financial statements. Successful people spend at least one hour each month reviewing their financial information, such as investments, bank accounts, credit, and checks issued.

You better do this even if you don’t have many financial statements. Naturally, you should spend less time.

6- They don’t take dangerous or stupid risks with money!

Warren Buffett, the world’s greatest investor, says: “The number one rule is: Never lose money.” Of course, every investment has risks; But successful people use two powerful tools to avoid losing money:

The first is specialized insurance, and the second is asset allocation. Asset allocation means they don’t put all their eggs in one basket. Remember, if you find an opportunity that is much more profitable and optimal than the usual opportunities, be sure to proceed slowly and do some research on it.

 7- They do not make strange claims

The world is big and successful people understand this fact deeply. When it comes to money, there is a lot of information about it. That’s why people like Warren Buffett keep their limitations in mind and focus on their strengths.

Know exactly how much you know about money and investing. If you are starting out, read at least a few books on personal finance.

 8- They don’t listen to experts blindly

We said above that intelligent people listen to the advice of experts rather than blindly. They take the strengths of the successful and avoid repeating their mistakes. These people are constantly looking for the advice of professionals and experts, but they don’t give in to their opinions without reason.

 For example, it makes sense to ask an accountant for help preparing tax returns; But to evaluate a successful person, when you seek the advice of professionals like accountants or lawyers, ask them questions and explain their advice to you. Otherwise, it won’t be easy to ask experts.

 9- Successful people do not prioritize making money over other goals

Achieving financial success is a valid goal. Because the quality of your life increases and you can help others. You will also have access to technology, medical services, and leisure time, But successful people know that financial success is only one aspect of a successful life. For example, they don’t risk their health to earn money.

Review your goals and assess whether there is a balance between financial, career, family, and other activities.

Small exercises to strengthen financial intelligence

Here are some small exercises that can help you strengthen your financial intelligence:

  1. Reduce your food costs

Food is a heavy expense for many of us, But we don’t pay attention to it. Reducing the cost of food does not mean reducing the quality of life, But we should not let it get out of our hands.

Cut food costs by eating out less and finding cheaper alternatives at home. Buy the things you use the most. Spend your diet on higher-value but cheaper foods like pasta, rice, beans, legumes, etc. An interesting tip: shopping at the beginning of the week makes it more likely to buy expensive things. Shop on weekends!

  1. Separate your bank account to get the account

To buy food or groceries with a separate card, to buy clothes with another card, and for every type of purchase, have at least four credit cards so that you know exactly what you buy and how much money you spend in each part of your life.

  1. Reducing transportation costs

Bike to work if you can. You exercised, helped the environment, and kept your money in your pocket. Transportation is a big expense for some of us; even if you can’t walk or bike, look at public transportation. You can even sell your car if you can get to work without a vehicle.

  1. Have fun, but don’t waste!

Save instead of splurging. It’s hard at first, but little by little, this will help you create great habits and improve your quality of life. Because then you have enough money to buy the things you want.

  1. Stick to your commitments

Commit to how much you will spend in a month. Never spend more than that. Except when there is no other choice.

  1. Get advice

Feel free to spend money on education. Spend money if you have to and get valuable advice for your money. Reading this article was the first step to strengthening your financial intelligence, But you want to improve your financial intelligence. So look for great training programs.

Interesting test for financial intelligence (budgeting test)

Now that you have read all about financial intelligence, we have designed a simple financial intelligence test for you. Answer the following test questions to determine how much your financial intelligence has grown and how accurate your budgeting is.

Budgeting is one of the hardest things to do for some of us. This work requires order and planning, attention to detail, stability, and persistence, But it is not impossible. Here’s a financial intelligence test to help determine how well you’re budgeting. Read the sentences and answer them with the words “yes,” or “no,” or “I’m not sure.” Rate yourself for each of these answers:

  • Yes = 4 points
  • No = zero points
  • Not sure = 2 points

Maintaining and modifying the budget.

  1. I plan ahead for big expenses like repairs, appliances, or recurring bills.
  2. For my budgeting purposes, I estimate the next year’s expenses and divide by 12 to get that money each month (I apply the same principle to recurring expenses, say quarterly.)
  3. I keep records of all my expenses.
  4. Before I start budgeting, I review my expenses over the past few months to see how much I’ve spent.
  5. I regularly review my budgeting for effectiveness and revise it if necessary.


  1.  My savings plan is an expense I’ve included as part of my budgeting.
  2. Additional income, such as salary increases, bonuses, and tax breaks, are used directly to save or pay off debts.
  3. Buying gifts and giving to charity is part of my budgeting.


  1. If I predict that I will be short of funds in one department, I will find money from another department to make up for it.
  2. I have financial openings to reduce expenses or increase the income that I have considered for flexibility and the health of my budget.
  3. I have budgeted for unexpected expenses.
  4. Birthday parties and gifts don’t break my budget.

Accountability (awareness of income and expenses)

  1. I know how much money I spend a month/a year on it.
  2. I know exactly when my checks are due and I’m fully prepared to pay them, so I’ve never had a bad check.
  3. I can estimate all my expenses.
  4. I live within my means.
  5. I don’t buy anything on credit unless I can pay it back in full and on time.
  6. I pay all my bills on time.
  7. My income is more than my expenses.

Lifestyle budget

  1. I don’t allow myself to be influenced by others and spend too much of my money.
  2. I wouldn’t buy caviar (for example), even if it was auctioned for half price unless it was in my budget.
  3. I use my budget as a guide to what I can afford, not what I can’t afford.
  4. For times when I’m on a tight budget or feeling strapped for cash, I have a specific goal or positive image in mind, such as getting out of debt or going on a trip.
  5. I budget for small rewards to keep myself motivated and on track.
  6. In my family, everyone participates in the budgeting process.

Analysis of points earned.

Score 0 to 35: You need more budgeting.

If you budget at all, you probably agree that your budgeting isn’t really effective. It is possible that you pay your expenses every month and you have been successful in this way so far, but there may come a time when some unexpected expenses will occur to you, and you will face many problems. You may not know that you can do more with your money. A little more attention to your expenses can make you a lot of successful.

36 to 70 points: With a little effort, you will achieve a good budget.

You’ve probably tried budgeting, but it hasn’t been entirely effective, and you may not know why or where you went wrong. Don’t be too hard on yourself; budgeting takes a lot of discipline, tenacity, and attention to detail. This is not easy for everyone. Read articles and articles that will increase your skills in this field. Including this upcoming article…

Score 71 to 100: My God, you are warm! You are a master of budgeting.

Although there is always room for improvement, you have a method that works well for you. Take a look at the questions you answered, “not sure” or “no” and see where you can improve your budgeting. However, do yourself a favor. You are one of the few who budget effectively. very congratulations…

The best investment with little money

You must have thought of investing in the stock market, real estate, currency, gold or other capital markets several times. You must have been confused many times; which are really the best capital markets? We want to talk briefly about different capital markets.

Investment proposal with little money: where to invest with less than 500 dollars?

In this part of the article on financial intelligence, we want to talk about investing with a small amount. Investing with small amounts seems impossible for many people. Uninformed people have no idea that they can find a market or a place where they can invest to achieve a better future by putting aside small amounts.

Maybe you also think that investing in small amounts like 200 to 300 USD is not very useful. But the truth is that even if you start with 100 dollars, there are opportunities for you can turn it into a big investment in the coming years.

Some basic and important points in investing in small amounts

The first point

You can turn this capital into a big capital over the years and not in a few months. Acquiring anything worthwhile is often time-consuming. Having savings and capital above 100000 dallars also requires time.

First, know that it doesn’t matter how much money you have; what matters is what you plan to spend it on. If you keep it in your mind right now that you cannot make a proper investment in small amounts, you will probably spend it on buying things that will not create any value for you in the future.

The second point

In this article, we are not going to suggest a new system and revolutionary business or an old and clichéd idea such as growing mushrooms and bees and making car air filters!

This part of the article on financial intelligence, “investing with little money,” is for people who have a job or work and a fixed income and have saved capital and do not want this capital to remain stagnant.

Essential factors in any investment

It doesn’t matter where you want to invest; whether your capital is 50 or 5000, you should consider these factors in every investment.

In any case, you should have some cash to cover your living expenses for at least three months, even if you have no income; In other words, if you don’t have even 1 rial in your pocket for the next three months, you and your family should be able to cover your expenses. If this is the case, then think about investing.

  1. The best use of money and capital

That is, where is your money better spent? If you already have a loan that you are paying high interest on, and instead of paying the installment, you are making a mistake by investing it where the return is lower than the loan interest.

For example, if you got a loan and pay 20 or 25% interest to the bank every year, do you think it is wise not to pay the installments and instead invest the money somewhere that earns 18% interest per year? Certainly not!

Believe it or not, many people make this mistake, but because they have wrong calculations, they don’t even realize it. In addition to the best place to invest, the best time is also important. You must protect your capital from falling markets and investment value. If you enter a market where prices are at their peak, there is a high risk that the value of the asset will decrease.

Prices never rise or fall forever, and growth and decline in any market stop. Don’t let greed and blind decisions make you enter a market at the peak of prices.

  1. Liquidity of capital

Is the property you are going to buy good liquidity? If you don’t care about liquidity, please think again. Liquidity means how quickly and at what price you can convert your purchased asset or investment into cash or its equivalent.

Of course, one should pay attention to the price in terms of liquidity. If you buy a residential unit and sell it 20% below the price, it is obvious that it will be cashed out quickly, so the right price should also be considered in cashing out. If we want to write the liquidity of markets in Iran in order, it is as follows:

  • Bank deposit: You can easily go to the bank and receive your deposit
  • Currency, gold, and coins: If the currency broker, money changer, or gold dealer is willing to buy, cash out your assets right away.
  • Stocks and Securities: If you sell the stock today, it will be credited to your account two business days later. The shares of companies have different liquidity but on average, it can be liquidated quickly.
  • Business assets (raw materials, equipment, goods, etc.): It may take a long time to find a suitable buyer for the business assets you already have.
  • Real Estate: Selling real estate at the right price sometimes takes months.

If you have any other opinion or think the order is wrong, please write in the comments section.

  1. Investment objectives

This factor, together with other factors, determines the market in which you invest. Maybe you want your capital to grow quickly, and you don’t care about risk because you can easily take losses and rebuild yourself. Or maybe your goal is to grow your capital in the safest way possible, and preserving the principle is extremely important.

Based on these different goals, different investment decisions can be made:

A low-risk investment Because you’ll need the money later; if you’re close to retirement, you probably don’t want your money to lose value because you’re counting on it. For this reason, if you have a financial goal that is approaching, a low-risk investment is wiser. Investments such as buying bonds and buying units of mutual funds.

Investing with moderate risk for better returns. Of course, if you can bear more risk and you don’t need your money in the near future, investing in stocks of large companies that have high stability and preferably pay good cash dividends is a good option.

Risky investing to achieve high returns – If you can afford to risk a large portion of your money to achieve higher returns, then fast growth is a good goal for you. In this situation, you should invest in the shares of companies that have a good future but are riskier. This option is suitable for when you do not need money for a long time, and you can wait until the company in question grows and achieves more profit.

Investing with mixed goals is also possible. For example, you may be a fan of high risk and profit in the long term but spend part of your capital to buy investment funds to reduce risk.

  1. Your age

Not everyone has the same investment goal. Maybe one person is thinking of saving enough money for retirement, and another person is at the beginning of life and won’t need their money for years.

Therefore, one of the other factors in investing is how long you can keep the investment; In other words, how long do you have? The longer you can hold your investment, the more profit you can make. If you don’t have a lot of time and it would be catastrophic to run out of money, you should stick to low-risk investments.

  1. Risk tolerance

As a general principle, the higher the return expected from an investment, the higher the risk. In addition, some people are not comfortable with market fluctuations and cannot tolerate the extreme ups and downs of markets like the stock market. In markets like the stock market, there are always losses, but professional investors cover their losses with profits.

If you cannot tolerate losses and your heart starts beating fast with every market fluctuation, it is better to look for low-risk investments. If you are willing to take some temporary losses to achieve higher returns in the future, then try risky investments.

With amounts like 5000 where should we invest?

You have 5000 dollars in your bank account, but you want to circulate it and do another activity with it; what is the solution? This may be anyone’s question. If you have just started saving and you have a small amount of capital in the amount of a few thousands, where should we invest?

First way: Make a deposit in the bank

Some people (especially those who are risk averse) may think that depositing in a bank is a good solution because it is safer to keep money in the bank. Yes, money is safe in the bank, but I think you yourself have realized that the era of good bank profits is over and you should think of another solution. Money in the bank could be more useful. On the other hand, sometimes, due to the decrease in the value of money and inflation, a person receives very little profit.

In fact, we cannot consider putting money in the bank as an investment, because the bank interest is so low that it does not even reach the inflation percentage. If annual inflation is 30% and you get 20% annual interest from the bank, the value of your money will decrease by 10% every year!

The second way: buy gold coins or dollars

Gold has many benefits, it is a valuable commodity and will always remain valuable, But it also has disadvantages; firstly, buying it in small amounts may not bring you a significant profit, and you have to wait for a long time for its value to grow.

Besides, buying gold coins or other currencies is just a speculator’s activity and not a real investment. Your investment should have a positive impact on society or the country so that the benefit reaches other members of society and you.

Gold does not generate any cash flow for you, and it can only go up in price. Cash interest and cash flow mean that your capital has a fixed profit for you.

A good and safe way to invest is to invest in the stock market.

Investing in the stock market can bring an annual cash profit along with maintaining the principal of the capital. You will read the reason for this later.

Why is it good to invest in the stock market?

The stock market has many advantages, including:


You can invest in it with any amount, and you can do it anywhere in the world with just an internet connection and a laptop, mobile, or computer. You don’t need difficult conditions or advanced or exotic facilities to buy and sell stocks online; you only need knowledge and skills.


It is possible to liquidate capital in most cases quickly, and it is not possible to sell shares only when a company’s shares are temporarily closed for reasons such as holding a meeting, adjusting profits, etc. At other times, the market trades from Saturday to Wednesday from 9 to 12:30, and you can sell your shares and receive them in your bank account three days later.


Speculative activity is not like buying physical coins and currency, but by investing in the stock market, you help the country’s economy and finance companies.


By starting to invest in the stock market, whether you like it or not, you have to learn many concepts in financial markets, economy, stocks, company structure, analysis, etc. It increases your knowledge.

This information and knowledge you gain will affect your other economic activities, and you will understand more and better the knowledge of working with money and capital. You become a better and smarter person who has more skills than others in the field of money and capital.


You don’t lag behind inflation, and you can also receive cash dividends on the stock annually. Some dividend companies distribute a portion of the company’s profits to shareholders once a year, So while you’re holding onto your stock, and it may grow in value, you’re also getting a cash dividend.

Before you decide to invest in the stock market, ask yourself these questions:

Stock exchange to cover living expenses?

The stock market is not for providing living expenses because profits and losses cannot be predicted in it; Therefore, it is not wise if you think that by investing amounts such as 500 or 1000, or even 5000 USD in the stock market, you can cover your living expenses.

Yes, the stock market has a good profit, and you may even earn 50% in a month, but this profit is not predictable. Living expenses must come from a predictable source (eg, your first job).

The best place to invest your surplus money is the stock market; Because bank interest is so small that it does not reach inflation. If inflation is 35% and the bank pays you 20%, you lose 15% of the value of your money per year.

Stock market for investing small amounts of money?

One of the most important advantages of the stock market is that you can start investing with very small amounts, such as 100 and 1000

This feature is considered an advantage in two ways:

You can trade with a small amount until you become a pro and then deposit more money. If you have little money, you can gradually increase it by investing it in the stock market.

Your expectation of profit in the stock market should be equal to your capital. The stock price increase in the stock market is based on percentage and big profits are obtained in this way; So if someone buys 1000 of stock, if he earns 10% profit, he will earn 100 dollars. But if a person bought 100000 shares, with 10% profit, he makes 10000 dollars.

Fluctuation in the stock market

In Tehran Stock Exchange, they have limited the fluctuation of prices. Each stock cannot increase or decrease by more than 5% positive or 5% negative in one trading day. When an uptrend starts in stock, sometimes it grows by 5% positive for several days in a row. For example, if a stock grows by 5% in 5 days, the price will increase by 25%.

25% profit in 5 days is a very good figure, but this does not always happen, and sometimes this is a downward trend, and the stock price can even decrease by 25% in 5 days.

Exchange for young people

Learning the stock market is one of the most important and influential steps a person can take in their 20s. By learning the stock market, in addition to getting great profit opportunities at a young age, you also get fringe benefits.

A side benefit is that your perspective on money, finance, and the economy will change because the stock market is a world with many factors influencing it. You will get to know the psychology of the markets, and this topic will help you in investing in other markets as well.

Because the markets always have cycles of profit and recession, after you have followed the stock market for a while, you can patiently buy and hold stocks during the recession. Then sell it when it’s booming because markets are always in a repeating cycle, like nature. Winter always ends in spring. Winter never lasts forever.

The final word of the financial intelligence article!

You don’t have to study at the best universities or major in economics to improve your financial intelligence. It is enough to think about improving your financial situation and its growth, work for it, study and practice and grow it continuously. In this article, we discussed the value of having financial intelligence and found that we can improve our financial intelligence with effective techniques. We are waiting for your opinions in the comments.

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