excessive financial management belongs to the eyebrows and beards, and there is no main direction, lack of professionalism, and no ability to sit in the right place.
ordinary families can pursue a reasonable and stable rate of return in their financial management; Any appeal with excessive expectations is likely to have the opposite effect.
Some ordinary investors devote their main energy to studying the way of investment, which is euphemistically called diversification, but it is actually "kitten fishing" that has no patience. Non-professional ordinary investors should spend their spare time on investment and financial management, and their energy and time are limited. If you put the cart before the horse, it is likely to affect your own work.
"There is a succession in learning Taoism, but there is a specialization in the technical field", which comes from Han Yu's Shi Shuo and belongs to a famous sentence throughout the ages. If it is extended to investment and financial management, it means that the knowledge of financial management comes first and then, and different investor skills have their own research directions.
stable investors generally buy bonds or bank wealth management products; Active investors buy funds and stocks; Aggressive investors are involved in P2P and futures, etc. There is also the recent hot bitcoin.
Take stocks and funds as examples. Their varieties are extremely complicated. Stocks can be classified according to different concepts: blue chip stocks and growth stocks; Large-cap stocks and small-cap stocks; Consumer stocks, technology stocks and so on. Funds can be divided into: open-end funds and ETF funds. Now there is the "science and technology innovation board Fund", which was snapped up by investors a while ago.
People's energy and capital are limited, so it is impossible for us to seize all the opportunities to make a fortune. Just seize the investment opportunities in the fields you are familiar with, and you will be a more successful investor.