(1) Hope to get rich overnight;
(2) Lack of professional investment knowledge;
(3) Not having a good investment mentality;
1, hoping to get rich overnight
Yun Yunjun believes that more than 90% of my friends, including myself, have had the illusion that they can make a lot of money by investing in the stock market, thus changing the difficult situation and finally realizing the dream of wealth freedom.
The reason why we buy stocks and speculate in funds is very simple, that is, to increase the value of wealth. However, most of my friends' investment and financial management are not "correct". They always hope to make quick money and make a fortune in a short time, and then get away with it. How can there be such a good thing in the world?
Eager to get rich overnight, it is easy to blindly add positions or even increase leverage regardless of the trend, resulting in irreparable losses.
2. Lack of professional investment knowledge.
Buying and selling stocks and funds can also be compared to a "zero-sum game" (which can also be understood as "gambling" in another case). If you don't even know the rules of the game, how can you win professional hot money, large households and institutional investors?
Most of my friends are working hard for their lives and have not systematically studied the knowledge related to stocks and funds. Even many friends have been trading stocks for 10 years, and they don't even understand the simple words like P/E ratio and call auction.
I don't understand the rules of the game, and it is impossible to win in the cruel market game without asking questions! Even the money earned by luck in a short time will be repaid by strength one day!
3. Do not have a good investment mentality.
This is also easy to understand. I don't understand the rules of the game, and the channels for obtaining information are relatively simple. In the back-and-forth shock of the market, my mind is easily shaken: listening to the wind is rain, and when I see an article written by a big financial coffee, my judgment is immediately shaken. I think what others say. Without my own logical judgment, I will fall into a strange circle of chasing up and killing down.
How is a good investment mentality formed step by step? Yun Yunjun feels that in addition to practical experience and time accumulation, he also needs to have his own investment thinking and judgment. With your own investment strategy and judgment, it is not easy to be shaken by other people's views and opinions, so as to strengthen your investment direction and obtain more considerable return on investment through the accumulation of time.
Summarize why the poor and ordinary people mostly lose money on investment. Because their investment mentality is incorrect and they don't have the corresponding knowledge, they are always easy to listen to other people's opinions and blindly follow suit.
In order to change the situation of "chasing up and killing down", we need to recognize our own problems and put them into substantive actions.
Most poor people invest at a loss, the main reason is that there is no place where most ordinary people can make money!
Why do you say that? Because:
I. Banks
Most banks manage their money regularly, and the rest are short-term financial management. The most important thing is security, such as bank deposits. Of course, the risks are small and the benefits are naturally small.
Some short-term wealth management products, because the poor have less investment, short time and less income, can't run through inflation most of the time, so they naturally lose money.
Two. Stocks and funds
Stocks and funds are most people's favorite investment methods at present. Judging from the annual data, most people are losing money when they go to retail investors and funds.
The hard-earned money of the poor has no good technical judgment on the stock market and funds. In addition, the stock market and funds are both big fish in eat small fish, and the places where small fish eat shrimp are not professionals, and they basically lose money.
Even some professionals sometimes lose money, let alone ordinary people.
Three. Futures and foreign exchange
Foreign exchange and futures are more risky and need more funds. Ordinary people dare not play or can't afford to play.
Four. insurance
Insurance can also be invested, but many people can't believe it because of their bad reputation.
I said a set when I bought it, but I will be very happy to use it.
In short, the poor can invest in banks, stock markets, funds, insurance and so on. The rest needs too much money for the average person to afford. But in these existing places, the risk of banks is very small, but the return is even smaller, and many times they can't run away from inflation. As for the stock market and funds, the risks are too great. Many people say that the risk is greater than the casino. As for insurance, most people can't believe it. Only a few places. Where do you think we can make money?
Personal opinion, for reference only!
If the poor have no money, they should not invest. It's like you're always weak and unable to move your limbs. Why do you have to provoke a fight with Jianghu people? Because there is no money, so don't use Qian Shengqian's investment thinking to start a business. The poor don't fight for money, so don't learn to invest. This is not suitable for the poor. The poor will make money out of nothing and make money without investing.
Many people say that there is no such business in the world. It may be difficult, but some people do understand this idea and direction. Sun Honghe has always suggested that the poor should study more, the poor should learn more speeches, and the poor should master more systematic thinking, because business has four key resources, and the poor may only occupy 1 of them, namely personal ability, thinking, innovation ability and endurance. The other three key resources are: 1, capital, that is, money, capital chain and financing resources. For example, people can borrow money from the bank, but you have no ability; 2. Personal resources are the background resources of interpersonal relationships, and there are few poor people. 3. Supply chain resources are resources such as product supply, production resources and technology research and development. The last one is what Sun Honghe mentioned: personal ability resources.
Therefore, if the poor want to turn over, the lowest risk is to improve their ability and thinking, rather than relying on Qian Shengqian's road. If you have the ability, you can start with the role of trader or executor, or create value by your own ability. If you have strong ability, strong expression and strong thinking, you can make money by engaging in self-media, engaging in live broadcast of agriculture, countryside and farmers and engaging in all new business directions in the world.
Therefore, Sun Honghe has always believed that in this brand-new business environment this year, if a poor person has no money, he can't master self-media, live broadcast, social e-commerce, and even continuous shooting video. Think about it: which field can you make money by borrowing money to invest? How can we succeed if we don't even have the simplest one, or even one that doesn't cost money?
If none of the above is suitable for you, then there is another way: save money and retreat to the last survival chain, such as returning home+saving money, just live, and not owing others is success. This kind of closed-door thinking may be the best destination for many people who have neither money nor thoughts.