In the financial market, investors must understand: "Risk and return are in direct proportion!" When we want to preserve and increase the value of the principal in our hands, we will think about how to find high-yield products. No matter who wants to find "high-yield and low-risk" wealth management products, it is unrealistic, and criminals also use investors' psychology to commit fraud. Look at the 1 annualized rate of return of money funds and some commercial banks, which is less than 3%. Under such circumstances, will investors suddenly see a product with an annualized rate of return of 6% or even 10%?
If stock funds, hybrid funds, futures funds and other products launch products with an expected annualized rate of return of 6%, investors should understand that this is the "expected return" and does not represent the "actual return" that they finally get. Riding a bull to see a bear should remind investors: "Some products given by informal channels have a monthly rate of return of 2% to 4% and an annualized rate of return of 24% to 48%. Be careful to get the money back in the end? " You stare at other people's profits, but others stare at your principal.
Some investors hold a fund that will never rise. They didn't make any money 1 year, but they didn't suffer a big loss. Suddenly one day, they heard Lao Wang next door say, "The recently bought fund products earned 20,000 yuan in half a year, with a principal of 50,000 yuan, and they are going to travel in a few days." After listening to such a passage, how many people can "endure"? After I couldn't eat well and sleep well, I emptied all my previous funds and replaced them with funds with better returns. I am still thinking to myself: "I must make a lot of money this time!" "
Investors should find out why other people's funds have gone up, but their own funds have been falling, and have not found the real reason for the decline. Changing funds is only the beginning of another loss. In particular, funds that have soared for a period of time have long been blown to the sky. Investors who bought funds in the early stage earned a lot of money, and it is reasonable to wait until you get on the bus and start to fall. Riding a bull to see a bear thinks that investors should pay attention to some fund products with little increase or large decrease. Maybe it's its turn to show it in a new environment. Stop being a "catcher"!
Investment and financial management is a science, which can never be done simply by typing a code on the keyboard, and it is not easy to make a profit through hearsay. In this financial market, the emotions such as greed, hopelessness, depression, pain, happiness and inflation in "human nature" will be quickly amplified 10 times or even hundreds of times, and a "crazy self" will be found inadvertently. In the financial market, there are elites from all walks of life, top investors in the financial market, and some professionals such as institutions, funds, brokers, trusts and professional investors. After the baptism of time, the longer ordinary investors stay in the financial market, the more they will find how small and ignorant they are. Then you will become rational and re-examine this financial market. After the phoenix nirvana, it will gradually become "different".
On the road of investment and financial management, you can't really participate in the financial market without stepping on the thunder, jumping into the pit and falling down. Riding a bull and seeing a bear thinks that investors should constantly sum up some lessons to reduce their chances of "stepping on the thunder". At the same time, there should be no problems in the general direction, even if the loss will not affect the overall principal, and they should have their own investment and financial management strategies. Always remember the first element of investment and financial management: "Keep the principal!"