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1. Zhenlou conclusion: 1. Any investment, any product, regardless of risk, only talking about income, is hooliganism. 2. If something goes wrong, there must be a demon (the income does not match the risk). 3. If you think it is a sound investment, please see 1 and 2: 4. When the deposit is low, the income of hard work increases far more than the investment income. 2. Analysis logic: Because operating costs are daily expenses and net profit is deposits. When you have a lot of deposits, you can invest. As a second business, you can increase the overall income of the company. For most people who have just left the society, the deposit base is small, which drives the investment income. Far less than work income. For example, the annual working income is 80,000, assuming that there are 80,000 deposits, the annual return rate is optimistic 15%, only 0,000. Moreover, this rate of return is still difficult to achieve for a long time, so people who have just come out to work should not worry about the investment field, and then consider investing when your savings can reach one year's work income. Please believe that when you don't have much savings, if you lose money on your investment, it will not only affect your current life, but also seriously affect your psychological impact on your investment. Working hard, paying more attention to your work, improving your professional quality, raising your salary at the end of the year, or skipping a slot, will bring more income growth than spending all your spare time on how to invest and make quick money. And think about how many people are left in the market, and why you can make money by playing casually except for the crazy year of 2007. Except for the rich second generation, most people's every deposit is hard-earned money, maybe it's the dog blood scolded by the boss, maybe it's all kinds of difficulties for customers. When you think back, you can understand the bitterness behind every copper coin. Generally, many people who usually spend money don't spend money lavishly, but when they are confused by charming income, they take out most of their savings to buy investment. The final benefit is not up to you. Cherish hard-earned money and invest carefully. Summary: When your savings do not exceed your current annual income, don't invest too much energy, watch more and move less, and try a little. Although you don't plunge into investment, you should still pay attention to the information on investment and financial management, have an impression on the main investment products, understand the main problems concerned in investment, and use a little money to test the water to prepare for the investment after the principal is in place. Personal feeling is mainly to establish the following consciousness: 1, risk awareness, investment is risky, investment needs to be cautious, and investment is a probability problem. The simplest and rudest education is to go to Macau to gamble with both hands and see if there is any life to make a fortune. 2, reasonable expectations, have a correct understanding of the yield of the main varieties, don't want to make millet for tanks, match the term, just work for a few years, and the assets are highly mobile. Buying an Iphone, traveling and getting married are not small expenses. If the investment varieties are all varieties with poor liquidity, you can only find someone to borrow money, otherwise you won't wait for the day when the benefits are realized. 3. Variety introduction: mainly talk about the observation of investment varieties in recent years: 65,438+0, funds: the annual rate of return:-50% ~ 65,438+000% is possible, depending on the fund type, mainly influenced by the market and fund managers. Main varieties: money fund, the balance treasure that most people have heard of, and the products that almost every fund company has, the yield is probably slightly higher than one year. There is no need to seize the 7-day yield and waste time tossing. Liquidity has been very good under the promotion of Yu 'ebao. The main cash management tool is Yu 'ebao, and its function is the best. It is suggested to hedge with a monetary fund of another fund company. Bond funds, personally, are a kind of chicken ribs, because most bond funds have leverage, which increases volatility, but the fluctuation of net value is very uncomfortable. If you want to fluctuate, you might as well buy stocks. If you want to be stable, you might as well buy some high-rated corporate bonds yourself. Stock funds, the main varieties in the market, are various, mainly divided into active and passive types. The difference between active funds is very big, depending on the fund manager. Different rates of return can vary greatly in the same year, and winning generals are very scarce. Personally, those who want to rank in the top ten of that year must be excellent and have extreme styles. They just adapt to the market style of that year, so the rate of return is ahead, but it is difficult to predict the rapid change of market style. Personal style is also difficult to change. This year's Man Cang sounding is a script, just like it is difficult to ask a right-handed person to write with his left hand suddenly, but also to write beautifully. My personal suggestion is to choose writing that can be stable in the top 1/3 all the year round, with little decline in performance. This general style is relatively stable and suitable for long-term holding. In the long run, it is ups and downs, striving for progress in stability. Personally, I prefer a slow and steady, comfortable sleep. Passive funds are generally all kinds of index funds, tracking all kinds of major indexes, the most commonly heard should be the Shanghai and Shenzhen 300. In the long run, this is the average income of the market, and it is also the object of various active fund managers' wits. If you believe that the China stock market is promising for a long time, it is a good choice to invest in the Shanghai and Shenzhen 300 and cash in the gains in time. Of course, there are many categories. Again, you should read more about the varieties you want to invest in. 2. The annual return rate of stocks:-100% ~ 1000% is possible, depending on the concentration of shares and investment ability, there are too many influencing factors ... Generally, it is not recommended that others toss stocks, because there is PetroChina left to my great-grandson, and the liquidity is reduced. Some chairman bought Rolls Royce himself and returned to China one night. Moreover, this market also has its unique effectiveness. Beginners have to pay tuition when they come in. For three years, I've learned 1) Don't concentrate on holding shares, even if you think it's better than Apple+Google ... Even if the investment is not absolute, even if the judgment is correct, there are black swans, and the time to cash in the proceeds is uncertain. My worst death is in the night before dawn, because it will be too concentrated. 2) Don't add lever. If the leverage of the stock is servant street, you can't get a penny back directly. Consumer leverage is like a mortgage. As long as you have to repay the loan, it is yours. Don't borrow money, use spare money, so you have a better attitude, and it won't affect your daily life in case you go out of the servant street. I have seen a lot of such news recently. Adding leverage means that you may wake up in heaven and have nothing. 3) Think independently, and know why, why to buy, when to leave, and what the expected return is. It's not because of inside information from colleagues. There will be no pie in the sky, find your own style, eat all over the sky, and make endless money. Forget it. First, recognize cowardice, increase the income, concentrate on holding shares and leverage will greatly amplify the income, but it will also greatly amplify the loss, and all the excitement has been played. The feeling of heartbeat is unbearable, and stability is king. 3. Annual yield of bonds:-100% ~ 10% There are many kinds of national bonds and corporate bonds, so I won't say much without in-depth understanding. It is estimated that there will be more and more debt defaults after corporate bonds, which will be fine in the short term. One thing to remind you is that the interest tax is 20%, and the after-tax income is only valuable if you look at the income. Let me talk about my favorite convertible bonds, and the terms of domestic convertible bonds are still very rich. The stock price jump and so on are very favorable conditions for investors, but the coupon interest is generally not high, and the prices and terms of each issuing company are very different, which needs to be specifically understood. The price trend of convertible bonds basically copied the price trend of stocks, bonds fell and stocks rose, which can be understood as the shake number of capital preservation. Disadvantages are tepid, slow speed, low interest, and only surprises in the lottery. If you choose this variety, you must reasonably expect it and get happiness in stability. The general selection criterion is the after-tax annualized rate of return of large-cap stocks and low-PB stocks, and the absolute price of small-cap stocks and high-PB stocks is below 1 10. Consider the repurchase price later, and recommend a website: Thoughts Collection-Low Risk Investment, in which the bond information is well done. 4.P2P annual yield:-100% ~ 20%. This is a typical investment method with mismatched risks and returns. One by one is called innovation in the name of internet finance, so-called decentralization, or a pool of funds. In fact, if you think about financial management carefully, it is actually credit. In this mode of asymmetric information, the risk of lending is extremely high. Second, this income is based on the borrower. No enterprise can withstand the ravages of high interest rates. In essence, I am not optimistic about the so-called P2P. To say the least, even if the model is scientific, there will definitely be the possibility of bad debts. Think of yourself as a bank. If the principal is divided into more than 20 loans, it is possible to alleviate the impact of bad debts. If it is not dispersed, all the bad debts will be done in vain. Now the bad debt rate of banks is rising a little, and this risk control is not what you want to do. Not to mention the bankruptcy risk of P2P platform. This is the emperor's business of selling cabbage in his heart, taking chestnuts from the fire ... 5. Other annual returns: ... All kinds of foreign exchange, gold, Hang Seng Index futures and art share transactions recommended by legendary masters are actually electronic trading, which is the real pit, so don't touch these pits disclosed by CCTV in Tianjin that year. At the beginning, I really claimed to bring Alto in and Audi out. Later, others changed the trading rules, and I still forgot the fluctuation of 1% for one day. There are all kinds of strange rules, and the result is endless restrictions. Later, the Audi was never driven out again. Ignore anything that has never been heard of but is very profitable.