Is it difficult to make money by investing? What do you expect from investment and financial management? Look at the return on investment rationally. The risks and benefits of different financial instruments are definitely different. For example, if you are a stable investor, then you choose to invest in index funds. Last year, the rate of return was 8%. You think it's ok, better than deposit in the bank. The next day, Lao Li told you that he made 30% in futures and then made money several times in a row. You start to get jealous and complain that the fund returns are too low. But have you ever thought that Lao Li may lose 30% by speculating in futures? Maybe he can afford it. He thinks it's nothing. It's normal. What about you? As a steady investor, do you find it hard to accept? Different investment tools have different risks and different returns. The higher the income, the greater the risk, the lower the income and the smaller the risk. You can't have your cake and eat it. You can't expect him to get a high return without taking risks.

Know your real situation, know the risks and benefits, and then choose the right investment tools.

Because there are many kinds of investment tools, how to choose them? For example, if you know the stock market very well and can withstand the fluctuation of the stock market (up to 10%-20%), then you can choose to invest in stocks, so the income will be higher. If it's hard for you to accept the loss, and a little profit or loss may keep you awake, then honestly put your money in the bank for a fixed period. The investment method is not necessarily single. You can also invest in stocks, funds, futures and other markets. As long as the positions are adjusted according to their own risk tolerance, the positions of stocks can be heavier and more stable, and the positions of funds can be heavier. The above is my basic understanding of investment, I hope it will be useful to you.