Generally speaking, don't put your eggs in one basket, and maintain a steady appreciation through asset allocation, so you have a chance to get higher returns.
"What is asset allocation", "How to do asset allocation" and "Timing or stock selection" are the three core issues to help everyone achieve wealth preservation and appreciation. To borrow a sentence from Stephen Chow's Gourmet, as long as we put our heart into it, each of us is a "stock god" and you can be the head of your family wealth.
So the logic of asset allocation is actually very simple, just three:
First, design a portfolio according to your risk preference and income expectation. This portfolio is to match the above three types of assets.
Second, in large asset categories, choose specific products, such as risk-reducing assets, and which products to choose specifically.
Third, regular inspection and dynamic adjustment after investment. However, the design of portfolio proportion and the screening of specific products need the help of professional strength, because there is significant information asymmetry in the financial market.
An uncle who made a fortune working in a mine in his early years was cheated by his relatives for 2 million yuan to buy stocks.
When the big blue chip broke out, it reached more than 4 million. By May of this year, there were more than 654.38+0 million left, and only oneself can understand the psychological gap.
Of course, the above case is only in a small city with a per capita income of 2,000, and 2 million cash is also considered a financial free person.
Is there any other better way to make assets appreciate?
1: I came to the secondary market to speculate on stock futures. This is to make yourself unhappy and may be beaten back to the original shape.
2. Consumer corruption? Consumption corruption cannot bring income, so it is not considered.
3. invest in industry? Let's take a look at the reference table of benchmark returns in various industries. Obviously, investing is not fun.
4. Other styles of play can't reach this level.
5. Expected asset allocation 10-20% is obviously the best choice at present.
Three steps for a businessman to get rich;
1: When you don't have any assets, you must first earn your first fortune in life by your own strength.
When you don't have much assets, you should rely on your own intelligence to broaden the channels of making money and increase your wealth as soon as possible.
When you are already rich, you should make good use of the power of capital and continue to increase your wealth.
Now in the second or third stage, do your job well, and then let the wealth grow steadily.